Mahila Samridhi Yojana (Maharashtra)
Mahila Samridhi Yojana (महिला समृद्धि योजना) – Empowering Women in Maharashtra
The Mahila Samridhi Yojana, initiated by the Government of Maharashtra’s Department of Social Justice & Special Assistance, is a pivotal scheme designed to enhance the economic status of women belonging to the Charmakar Community. This initiative facilitates access to financial resources through affordable loans, thereby promoting educational and social upliftment.
Overview of the Scheme
The Mahila Samridhi Yojana, funded by the National Scheduled Castes Finance and Development Corporation (NSFDC), primarily targets economically disadvantaged women from the Charmakar Community, which includes groups such as Dhor, Chambhar, Holar, and Mochi. The objective is to provide these women with opportunities for educational, economic, and social advancement, enabling them to secure a dignified place in society. Under this scheme, eligible women can avail loans ranging from ₹25,000 to ₹50,000 at a nominal interest rate of 4% per annum.
Key Benefits of the Scheme
- Access to loans between ₹25,000 and ₹50,000.
- Low interest rate set at 4% per annum.
- Promotion of self-sufficiency and skills development among women.
Eligibility Criteria
- The applicant must be a female.
- Must belong to the Charmakar Community.
- Age requirement: between 18 and 50 years.
- Permanent resident of Maharashtra.
- Possession of knowledge about the business for which the loan is sought.
- For the 50% Subsidy Scheme and Margin Money, the annual income should be below the poverty line.
- Under the NSFDC Scheme, the annual income must be less than ₹98,000 for rural residents and ₹1,20,000 for those in urban areas.
Priority Considerations
Special consideration is given to certain groups:
- Widows
- Divorcees
Application Procedure
To apply for the Mahila Samridhi Yojana, follow these steps:
Offline Application Process
- Visit the District Office of LIDCOM during official hours to request a hard copy of the application form from the relevant authority.
- Complete the application form by filling in all required fields, affixing a passport-sized photograph (signed, if necessary), and attaching self-attested copies of all required documents.
- Submit the completed application form along with the necessary documents to the District Office of LIDCOM within the stipulated timeframe.
- Request a receipt or acknowledgment upon submission, ensuring it includes essential information such as submission date, time, and a unique identification number, if applicable.
Note: Ensure that your application is submitted within any specified deadlines.
Official Information
For further details, visit the official source at myScheme.gov.in.
| Aspect | Details |
|---|---|
| Eligibility | Female, Charmakar Community, aged 18-50, permanent resident of Maharashtra, business knowledge, income criteria as mentioned. |
| Benefits | Loan amount of ₹25,000 to ₹50,000 at a 4% interest rate. |
| How to Apply | Offline application via District Office of LIDCOM. |
| Documents Required | Identity proof, community certificate, income proof, and business plan (if applicable). |
Benefits
Loan ranging from ₹25,000/- to ₹50,000/- is provided at a low interest rate of 4% per annum.
Application Process
Apply Offline
Step 1: The interested applicant should visit (during office hours) the District Office
of LIDCOM and request the hard copy of the prescribed format of the application form from the concerned authority.
Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across, if required), and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents, within the prescribed period (if any), to the District Office
of LIDCOM.
Step 4: Request a receipt or acknowledgement from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).
NOTE: Ensure that the application is submitted within the prescribed period, if any.
Frequently Asked Questions
References & Official Links
Scheme Details
| Full Name | Mahila Samridhi Yojana (Maharashtra) |
| Short Title | MSYM |
| Level | State |
| Scheme For | Individual |
| Categories | Banking,Financial Services and Insurance, Women and Child |
| States | Maharashtra |
| Gender | Female |
| Caste/Category | SC, EWS, BPL |
| Area | Both |
| Income Limit | ₹98,000/year |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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