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Business Loan for Women

Women entrepreneurs looking to fund their business can apply for a business loan at Pasiabazaar with interest rates starting from 13% p.a. They can choose and apply from curated business loan offers from leading lenders and get the best terms and rates.
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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Choose from 20+ Partner Banks/NBFCs

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Pick from Secured & Unsecured Options

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Get Working Capital & Top-Up Loan Solutions

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Flexible Tenure of Up to 4 years

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

What is a Business Loan for Women?

Lenders offer special business loans to women entrepreneurs or businesses owned by women to fund, grow and sustain their businesses. Additionally, the Government of India has also introduced various schemes to support women entrepreneurship and make access to credit easier for them.

Business Loan Interest Rates for Women

The interest rate of business loans for women starts from 13% p.a. at Paisabazaar. However, the final rate of interest on women business loans will depend on multiple factors, including the credit profile of the borrower, lender’s internal policies, existing debt obligations and more.

Eligibility Criteria for Business Loan for Women

While the eligibility criteria may differ across lenders, the business loan eligibility criteria are mentioned below:

  • Age: Minimum 21 years at application; Maximum 65 years at loan maturity (varies by lender)
  • Business Vintage: Minimum 3 years (up to 5 years for some lenders)
  • Turnover: From Rs. 90,000 to over Rs. 250 crore
  • Credit Score: 750+ preferred (lower may be considered by select lenders)
  • Minimum Income: Rs. 1 lakh per annum
  • Eligible Entities: Proprietorship, Partnership, LLP, Private Ltd., Public Ltd.

Business Loan Offered by Top Banks for Women in India

Bank/Product Loan Limit Interest Rate (approx.)
SBI Asmita Up to Rs. 5 crore (term/working capital) Competitive pricing linked to EBR (Linked to Repo rate and currently EBR is Repo rate + 2.65%)
Union Bank Union Nari Shakti Scheme Min: Rs. 2.00 Lacs Max: No ceiling, need-based finance to MSME. Concessional rate of interest
Central Bank Cent Kalyani Scheme Up to Rs. 1 crore Competitive rates with concessions
ICICI Bank SHG Business Loan for Women Up to Rs. 20 lakh Starting from 13.50%
PNB MAHILA UDYAMI Up to Rs. 10 lakh Competitive interest rates

Note: To apply for the above-mentioned banks’ schemes, applicants can visit the official website of each bank to start the process.

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Government Schemes for Women Entrepreneurs in India

Scheme Implementing Body Key Benefits
Prime Minister’s Employment Generation Programme (PMEGP) Ministry of Micro, Small & Medium Enterprises (MSME) Credit-linked subsidy program aimed at promoting self-employment and entrepreneurship among the youth, especially women, in rural and urban areas.
Arjana Scheme 2025 SIDBI Assists women entrepreneurs by providing financial aid up to Rs. 3 crore.
New Swarnima Scheme for Women Ministry Of Social Justice and Empowerment A subsidy amount of Rs. 2,00,000/- at 5% p.a., for self-employment.
Mudra Yojana for Women Ministry of Finance Up to Rs. 20 lakh
Mahila Samriddhi Yojana Ministry of Social Justice and Empowerment Financial assistance up to the cost of Rs. 1.40 lakh is provided.

Documents Required for Women Business Loans

Generally, lenders ask for the documents mentioned below for women's business loans:

Identity & Address:

  • Aadhaar card
  • PAN card
  • Passport / Voter ID / driving license (as applicable)
  • Recent passport-sized photograph

Business Proof

  • Business Registration Certificate
  • GST registration (if applicable)
  • Udyog Aadhaar or Udyam registration (for MSMEs)
  • Partnership Deed / LLP or Company Incorporation Certificate (as relevant)

Financial Documents

  • Bank statements (usually last 6–12 months)
  • Income Tax Returns (last 2–3 years)
  • Profit & Loss statements and Balance Sheets (for existing businesses)
  • Sales/turnover proof (invoices, GST returns)

How to Apply for a Business Loan for Women Online

To apply for a business loan for women, applicants can visit the Paisabazaar business loan section on the app or the website and follow the steps mentioned below:

Step 1: Enter your mobile number and verify with the received OTP on your mobile.

Step 2: Input the needed personal and business details

Step 3: Compare and choose from the loan offers as per your business needs.

Step 4: Apply after carefully reviewing the terms, rates and other related details.

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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HDFC BANKHDFC BANKAxis BankAxis BankICICI BankICICI BankIDFC First BankIDFC First BankKotak bankKotak bankTata CapitalTata Capital
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FAQs

Can women get business loans without collateral?

Yes, women can get unsecured business loans without pledging any collateral. Additionally, most government-backed loans are also provided without collateral.

What is the minimum credit score required?

Usually, lenders prefer a credit score of 750 and above, but a few lenders may consider credit scores lower than 750 as well.

Are there lower interest rates for women entrepreneurs?

Government loan schemes are usually offered at lower interest rates and with multiple other benefits.

How fast can a business loan for women be approved?

The duration of a loan approval depends on various factors. To know the exact time needed, contact your lender.

Can startups run by women apply for loans?

Yes, women-led startups can apply for business loans provided they meet the eligibility criteria of lenders.

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What our customers say

Business loan complex hotta h

Business loan thoda complex lagta h muhje, lekin Paisabazaar pe team ne sab steps simple bana diya muhje ache se support kiya. Thank you.

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Meher SinghJan 22, 2026

Hassle-free Business Loan

I would like to take a moment to sincerely appreciate Rohit Kumar\'s (EW25946) continuous support and clear communication. Your timely responses, cooperation, and willingness to help have made a significant difference and contributed greatly to smooth coordination and successful outcomes. Your professionalism and positive approach are truly commendable, and it has been a pleasure working with you. Thank you for your dedication and for maintaining such effective communication throughout.

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MD Gausar AlamJan 20, 2026

Business loan liya tha, interest acha mila

Muhje darr tha ki interest rate kahi lenders jda na charge krle, phir paisabazaar pe sahi interest rate milla. Mera credit profile dekh ke or bhi bht saare factors consider karke interest rate milla.

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Mohit DasJan 15, 2026

Uncle ne bataya tha Paisabazaar ke baare mai

Mai online loans ke baare mai jada nhi janta, mere chacha ne bataya tha ki Paisabazaar se loan acha milta hai. Try kiya or asli mai bohot acha experience tha.

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Raju RastogiJan 14, 2026

Boutique ke liye small loan liya tha

Boutique ke liye small loan liya tha. Small entrepreneurs ke liye bht important hota hai sahi jagah se loan lena. Paiabazaar ki team bohot helpful hai.

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Vanni KumariJan 13, 2026

Loan approval ke chances dikhate h

Paisabazaar se business loan lo toh pata rehta h ki kaha loan approval ke chances jada hai. Isse thoda tension kam jata h rejection ka. Acha feature hai.

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Sobhit GuptaJan 5, 2026

Advisors bohot ache the

Business loan thoda confusing hota h. Advisors ne sahi guide kiya. Thanks you.

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Prakash MishraJan 4, 2026

Trusting platform

I take business loan from Paisabazaar two months before. very nice experience. No jhamela, only good work done. Thank you

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Priya ShawDec 30, 2025

Chote business ke liye bhi loan mila

Chote businesses ko loan milne mai dikkat hoti hai lekin yaha mil gaya. Thank you for helping small business also. Good job keep it up.

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Rupesh SharmaDec 29, 2025

Quick and easy steps

Business loan apply karne se pehle yeh sochke dar lagta tha ki bohot mehnat lagegi. Lekin mai toh surprise hi hogayi Paisabazaar ka simple or easy steps dekh ke. Itna smooth process tha ki bikul hi samjh nhi aaya kab loan approve hua or kab account mai paise agaye.

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Ishita SinghDec 28, 2025
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