AI SummaryDistrict Central Cooperative Banks and Through Its Branches - for Maternity Loan Through Self Help Groups helps pregnant women in Tamil Nadu meet maternity costs with a loan of ₹2,000 at 11% interest. The amount is paid through local Self Help Groups, which keeps the process simple for women linked to SHGs.
Co-operation, Food and Consumer Protection Department of Tamil Nadu runs this loan facility through District Central Cooperative Banks and their branches. The facility remains available for eligible women in 2026, and there is no online form, the application has to be submitted at the nearest cooperative bank branch.
Self Help Group membership is the main route for this loan because the money is paid through the SHG network of the bank. Women who are part of a group can visit the bank branch directly or contact the branch manager to know the application procedure.
The loan can be used for expenses related to pregnancy and childbirth. It is a small, fixed loan and has to be repaid as per the terms fixed by the bank at the time of approval.
Maternity Loan Through Self Help Groups - Key Details
Quick details of this maternity loan scheme are given in the table below.
| Detail | Information |
|---|---|
| Scheme Name | District Central Cooperative Banks and Through Its Branches - for Maternity Loan Through Self Help Groups |
| Run By | Co-operation, Food and Consumer Protection Department, Tamil Nadu |
| Level | State |
| Beneficiaries | Pregnant women who are members of Self Help Groups |
| Benefit Type | Cash loan |
| Loan Amount | ₹2,000 |
| Interest Rate | 11% at present, can change |
| Application Mode | Offline, at the nearest District Central Cooperative Bank branch |
| State | Tamil Nadu |
Benefits
Eligible women get a fixed loan of ₹2,000 for maternity-related spending such as delivery care and medicines. There is no income limit mentioned in the scheme rules. Interest is charged at 11% at present and the rate can change over time.
Eligibility
Women who are pregnant and live in Tamil Nadu can apply. Being a member of a Self Help Group is a key condition because the loan is routed through SHGs.
- Applicant must be a woman who is currently pregnant, since the loan is meant for maternity needs only.
- Applicant must live in Tamil Nadu, as this is a state-level loan facility run by the Cooperation department.
- Applicant should be a member of a Self Help Group linked to the District Central Cooperative Bank network, because the loan is paid through SHGs.
- The loan amount must be used only for maternity-related expenses such as hospital care and medicines.
Application Process
Application for this loan is offline. Women need to visit the cooperative bank branch in person with their documents.
STEP 1 - Visit the nearest District Central Cooperative Bank or any of its local branches and ask about the maternity loan facility for Self Help Group members.
STEP 2 - Collect the application form from the bank counter and check what documents are required.
STEP 3 - Fill in all details correctly, attach a passport-size photograph and self-attested copies of required documents.
STEP 4 - Submit the completed application to the designated bank official.
STEP 5 - Collect the receipt or acknowledgment slip with the unique identification number and submission date.
Documents
Keep the following documents ready before visiting the bank.
- Valid identity proof such as Aadhaar card or PAN card.
- Address proof showing residence in Tamil Nadu.
- Official proof of pregnancy from a doctor or hospital.
- Any other papers asked by the bank branch at the time of application.
References
Official scheme details on Tamil Nadu government portal
Find more state schemes in the Tamil Nadu government schemes list.
FAQ's
What is the objective of this scheme?
It gives pregnant women in Tamil Nadu a small loan of ₹2,000 through Self Help Groups for maternity expenses at 11% interest.
Who can apply for the maternity loan?
Pregnant women living in Tamil Nadu who are members of a Self Help Group can apply.
Is Self Help Group membership required?
Yes, the loan is paid through Self Help Groups, so membership in an SHG linked to the cooperative network is needed.
What is the maximum loan amount?
The maximum loan amount under this scheme is ₹2,000.
What is the interest rate?
Interest is 11% at present and may change over time.
What documents are needed to apply?
Proof of pregnancy, valid identity proof, address proof and any other papers asked by the bank.
Is there an income limit?
No specific income limit is mentioned for this loan.
Is the application process online?
No, the process is offline. The form is filled and submitted at the nearest District Central Cooperative Bank branch.
Can the loan be used for other purposes?
No, the amount is meant only for maternity-related expenses.
Who should applicants contact for more details?
Contact the General Manager or the Special Officer at the nearest cooperative bank branch for help.