Tamil Nadu government is running the District Central Cooperative Banks loan scheme for women entrepreneurs through every District Central Cooperative Bank and its branches. Women can get a business loan of up to ₹5,00,000 at 12% interest per year under this scheme to start a new business or grow an existing one.
Co-operation, Food and Consumer Protection Department of Tamil Nadu runs this scheme. Loans are given through the district cooperative banking network, which keeps the process simple and within reach of women in towns and villages across the state.
District Central Cooperative Banks Loan Scheme for Women Entrepreneurs
This loan is made for women who want to stand on their own feet by running a business. The money can be used for a new business, to expand an existing business, or to buy machinery, stock and other things needed for the business. It is a cash loan and the interest rate of 12% per year is subject to change as per the rules of the department.
Women who live in Tamil Nadu and are already entrepreneurs, or planning to start a business, can apply for this loan. No upper age limit is fixed for this scheme. The application is made offline by visiting the nearest District Central Cooperative Bank branch, and the scheme is still active in 2026 with applications accepted through the year.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | District Central Cooperative Banks and Through its Branches: for Women Entrepreneurs |
| Launched By | Co-operation, Food and Consumer Protection Department, Tamil Nadu |
| State | Tamil Nadu |
| Eligible People | Women entrepreneurs of Tamil Nadu |
| Maximum Loan | ₹5,00,000 |
| Interest Rate | 12% per year (subject to change) |
| Application Mode | Offline at District Central Cooperative Bank branches |
| Official Website | tn.gov.in |
Benefits
The main benefit of this scheme is easy access to a business loan at a fixed rate through the cooperative banking system. Key benefits are given below:
| Benefit | Details |
|---|---|
| Maximum Loan Limit | ₹5,00,000 |
| Interest Rate | 12% per year (subject to change) |
| Loan Given Through | District Central Cooperative Banks and their branches |
Eligibility
The eligibility conditions of this scheme are simple, and any woman who fits the conditions given below can apply:
- Resident of Tamil Nadu: the applicant should live in Tamil Nadu, and proof of address is checked at the time of application.
- Woman entrepreneur: the loan is for women who run a small business or want to start one, so an existing business or a clear plan for a new business is needed.
Application Process
Applying for this loan is a fully offline process. Follow the steps given below:
STEP 1 - Visit the nearest District Central Cooperative Bank or one of its branches and collect the official application form for the women entrepreneurs loan.
STEP 2 - Fill the form with correct personal and business details, paste a recent passport size photograph, and keep self-attested copies of all required documents ready.
STEP 3 - Submit the signed application form along with the documents to the bank official at the branch.
STEP 4 - Collect the acknowledgment receipt. It shows the submission date and a reference number, which can be used to track the application.
Documents Required
Keep these documents ready before visiting the bank so that the application is not delayed:
- Identity proof such as Aadhaar card or PAN card.
- Proof of address, like a ration card or electricity bill in the applicant's name.
- Proof of business ownership or registration, if the business is already running.
- Any other financial records asked by the bank branch at the time of application.
References
For the official details of this scheme, check the District central Cooperative Banks - For Women Entrepreneurs page on the Tamil Nadu government portal. For other support in the state, see the complete list of Tamil Nadu government schemes and the NEEDS scheme for new entrepreneurs in Tamil Nadu.
FAQ's
What is the objective of this scheme?
The scheme gives loans of up to ₹5,00,000 at 12% interest per year to women entrepreneurs through District Central Cooperative Banks so that they can start or grow their own business.
Who is eligible for this scheme?
Any woman who lives in Tamil Nadu and runs a business, or wants to start one, can apply for this loan.
What is the maximum loan amount?
A woman can get a loan of up to ₹5,00,000 under this scheme.
What is the interest rate?
The interest rate is 12% per year. This rate is subject to change as per the rules of the bank or the department.
What documents are required?
Identity proof, address proof, proof of business ownership or registration, and any other financial records asked by the bank branch.
Where should the application be submitted?
The application is submitted offline at the nearest District Central Cooperative Bank or its branch.
Is there an age limit?
No upper age limit is fixed for this scheme.
What happens if a loan installment is missed?
If an installment is missed, the late fees or penalties fixed by the bank's rules will apply.
Are there any extra charges?
Standard processing charges fixed by the bank may be applicable on the loan.