Stree Shakti Package for Women Entrepreneurs


Empowering women means advocating on their behalf, letting them determine what they want, and working with them in order to make any necessary social changes for their own benefit. It is a fundamental right that is integral to the development of modern India.

Women have always been vital to the modern Indian concept of empowerment. It is a fundamental right that is indispensable to the development of modern India. 

Empowering women means advocating on their behalf, letting them determine what they want, and working with them in order to make any necessary social changes for their own benefit. It is a fundamental right that is integral to the development of modern India. 

Recently, there has been a great deal of focus on encouraging Women’s Entrepreneurship in our country. The Government along with many financial institutions facilitates workshops to hone their skills in entrepreneurship, money management, marketing approaches, and administrative skills. This is why SBI offers its Stree Shakti package to women entrepreneurs. The service is designed to assist individuals and groups who have low earnings and are otherwise unable to access financial services. 

This article examines the detailed evaluation of SBI’s Stree Shakti Package for women entrepreneurs. Furthermore, we will also discuss the eligibility criteria and industries that are eligible for this scheme.

Between Blogs 1080 × 150 px 1 5


The government runs this scheme through a number of branches of SBI Bank. Financial assistance is available to women entrepreneurs from the State Bank of India in the form of subsidies and lucrative lending. It is intended to allow women in rural areas to take part in the global economy. This will create a positive environment that encourages social progress in India. 

Their goal is to help women in all aspects of life by helping them choose the right loan product for their financial situation. Assisting aspiring entrepreneurs with career development. Facilitating the development of sustainable collaborations through networking.  

Description of qualifications

The scheme is open to women entrepreneurs engaged in trading, manufacturing, or service-related businesses. Women who own a majority stake in their business or who hold at least 51% of the business are eligible for the loan. 

In addition, female professionals such as medical professionals, cosmetic specialists, Architects, and Chartered Accountants can avail of loans under the Stree Shakti package. Borrowers must use the loan proceeds exclusively for business purposes. A working capital loan can be used for funding short-term operations of your business such as buying raw materials, processing payrolls, paying for rent for your business location, or for financing long-term capital expenditures such as property purchases, land, equipment, furniture, etc. 

Interest Rate

The rate of interest varies depending on the type of business. The rate of interest depends on the bank’s base rate at the time the loan is approved. The maximum amount of loan offered under this scheme is up to  Rs. 20 lakh with a minimum repayment period of 12 months, while the optimum repayment period is of 5 years. (The repayment period may be extended depending on the business requirements).  

The amount of the loan would be determined by the borrower’s profile and in accordance with the following parameters: 

  • Retail traders: Rs. 50000 to Rs.2 Lakhs
  • Business enterprises: Rs. 50000 to Rs.2 Lakhs
  •  Professionals: Rs. 50000 to Rs.25 Lakhs 
  •  SSI (Small Scale Industries ): Rs. 50000 to Rs.25 Lakhs 
BL 19

Collateral Requirement

  • Those borrowing up to Rs. 10 lakh do not have to provide collateral. 

  • Also, loans to women entrepreneurs of up to Rs.100 lakhs can be obtained through the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) without the requirement of collateral. 

  • A borrower’s profile may require collateral for a loan of Rs.1 crore or if the loan amount exceeds Rs.1 crore. 

Offers and Discounts

  • For loans over Rs 2 lakhs, there is a lowered rate concession of 0.5%
  • For each category, the margin will be lowered by 5%. 
  •  MSMEs need not provide security if they are taking a loan up to Rs 5 lakh. 
  •  Companies registered as MSME can be given a loan of 50,000 to Rs 25 lakh 

Application Process

It is not possible to apply for this type of financing online. Prospective borrowers must apply at their local SBI branch. Simply visit your nearest branch, complete the application, and submit your documents along with your business plan, which will be collected and evaluated by the bank before approval. 

Submission requirements

In order for the bank to consider the loan for further processing, the following documents must be presented at the time of application. 

  • ID proof (Aadhar Card, PAN card, Voter’s ID Card, Passport,  Driving License)
  • Evidence of residence ( telephone bill, electricity bill, property tax receipt/ Passport) 
  • Documents proving the registered address of the business unit (lease agreement if a lease governs a business location) .
  • Bank statements –  financial statements, income statements, and GST returns for the last 3 years.
  • Profile of company/Project report 
  • Governing documents of the Company/ Partnership Deed of partners etc. 

Please take note
The bank may ask for additional documents depending on the application and the individual’s situation. 

gst 10

List of possible ventures

There are many ways in which the Stree Shakti Loan Scheme has been able to financially empower women, especially in rural areas. Following is a list of some categories of small businesses in which this scheme has been notably successful: 

  • Production of dairy products 
  • Clothing manufacturing 
  • Marketing of farm produce 
  • Manufacturing of detergents and soaps 
  • Sale of fertilizers 
  • Compost manure production 
  • Traditionally-run businesses like the procurement and processing of spices and the production of incense sticks. 


There are significant ripple effects for society when women become economically empowered. Women Entrepreneurship provides employment opportunities that improve the quality of life for individuals and the population as a whole. Women must have access to efficient and affordable credit distribution channels through which they can achieve financial empowerment.

It is possible for women to benefit from financial literacy through effective money management, focusing their energy and efforts on productive activities, thereby helping accelerate India’s economic development. At the moment, the government is hard at work developing strategies that will help this country progress toward development and go beyond its current limitations. However slow the pace of contribution to our country’s financial development may be, participation in such a program should be encouraged in order to keep the economy moving. 

To know more details on Stree Shakti Package for Women Entrepreneurs . You can email [email protected] or call at +918886666821.

Sign Up For Our Newsletter


Disclaimer :The information contained in this Article is for general information purposes only. The information is provided by StartupYo (SAB Weblabs Pvt.Ltd). While we endeavour to keep the information up to date and truest to the best of our knowledge, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Share this post: