What is Cent Kalyani Scheme? - Objectives, Loan Interest Rates, and Application Process

What is Cent Kalyani Scheme? - Objectives, Loan Interest Rates, and Application Process


In a nation where women's entrepreneurial spirit is essential for economic growth, the Cent Kalyani Scheme stands out as a beacon of hope. Launched by the Indian government, this initiative aims to empower women entrepreneurs and Micro, Small, and Medium Enterprises (MSMEs) by providing them with access to crucial financial resources.

This blog serves as a detailed overview of the Cent Kalyani Scheme, shedding light on its objectives, benefits, eligibility criteria, and application process.

Objectives of the Cent Kalyani Scheme:

The Cent Kalyani Scheme is driven by several noble objectives:

  1. Empowering Women Entrepreneurs: By offering financial aid and support, the scheme aims to empower women entrepreneurs to start or expand their businesses.
  2. Promoting Gender Equality: Through increased engagement in economic activities, the scheme promotes gender equality and inclusive growth.
  3. Fostering Economic Contributions: By realizing the potential of women entrepreneurs, the scheme aims to make significant contributions to the growth of the Indian economy.

Learn more about – Loans For Women Entrepreneurs – Top 9 MSME Schemes For Women Entrepreneurs In India

Benefits of Applying For The Cent Kalyani Scheme:

The Cent Kalyani Scheme offers a myriad of benefits:

  1. Access to Collateral-Free Loans: Women can obtain loans without collateral, easing their financial burden.
  2. Competitive Interest Rates: Loans are offered at competitive interest rates, making repayment manageable.
  3. Financial Inclusion: Women entrepreneurs gain access to formal credit facilities, promoting financial inclusion.
  4. Skill Development: Training programs enhance entrepreneurial capabilities, fostering business growth.
  5. Empowerment: Economic independence and empowerment are promoted among women entrepreneurs.
  6. Growth Opportunities: Financial support and guidance facilitate business growth and expansion.

Learn more about – What Are MSMEs? Its Definition, Benefits, Registration Process And Classifications Explained

Rate of Interest:

The interest rate has been designed to allow entrepreneurs to receive maximum benefits from the Cent Kalyani scheme while making it affordable to pay back the loan. Here are the details:

  • Up to 10 lacs: MCLR + 0.25%
  • 10 – 100 lacs: MCLR + 0.50%

The tenure of the loan will be for seven years, with no security required. Additionally, an extra interest concession of 0.25% is available for accounts under an external agency.

Who Does The Cent Kalyani Scheme Target?

The scheme primarily targets women entrepreneurs and MSMEs in India. Women from diverse backgrounds, both urban and rural, are encouraged to leverage the scheme's benefits. Additionally, MSMEs led by women or with a significant female workforce are eligible to benefit from the scheme.

Application Process:

To apply for the Cent Kalyani Scheme, interested individuals can visit their nearest participating bank branch or utilize the online portal designated for the scheme. Applicants must fill out the application form accurately and submit the required documents, including proof of identity, business registration documents, and bank statements. The bank will review the application and, if approved, disburse the sanctioned loan amount.


The Cent Kalyani Scheme plays a crucial role in empowering women entrepreneurs and MSMEs in India. By providing access to financial resources, competitive loan interest rates, and a streamlined application process, the scheme paves the way for entrepreneurial success. Acehours simplifies the loan application process, enhancing accessibility to financial support and fostering entrepreneurial growth. Embrace the opportunities offered by the Cent Kalyani Scheme and embark on your journey towards entrepreneurial success today!

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