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New Swarnima Scheme for Women: New Swarnima Scheme 2024

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New Swarnima Scheme for Women: The Government of India has launched the New Swarnima Scheme with the aim of empowering women and making them economically self-reliant. This scheme is specially designed for women from backward classes, under which they will be provided loans to start business ventures. In this article, we will throw light on various aspects of this scheme.

New Swarnima Yojana 2024

New Swarnima Scheme for Women Details in Hindi

NameNew Swarnima Scheme for Women
ministryMinistry of Social Justice and Empowerment
ObjectiveTo create a sense of self-reliance among women
BenefitWomen will get loan of Rs 2 lakh at 5% interest rate
beneficiarywomen from backward class
loan repayment periodMaximum 8 years (including a period of six months on receipt of reputation of principal amount)
interest rate on loan5% interest rate will be applied
toll free number18001023399

Objectives of New Swarnima Scheme for Women

Promoting women empowerment and self-reliance is an important issue in our society. The main objective of the new Swarnima Yojana is to economically empower Indian women. Through this, we get the opportunity to achieve the following objectives:

  1. To encourage women for self-reliance and self-employment.
  2. To provide financial assistance to women from economically and socially backward groups.
  3. To make more and more women active participants in industries.
  4. To provide opportunities to women to develop professional skills in various fields.

Women will get Rs 12,000 annually

Benefits of New Swarnima Scheme for Women

New Swarnima Yojana is an important scheme for women which provides them various benefits. The benefits of this scheme can be seen as follows:

  1. Business Stability: Under the new Swarnima Yojana, loans are available to women for agriculture, small business, craft, traditional, technical, commercial, transport, and service industries. This gives them an opportunity for professional development.
  2. Subsidies: Under Swarnima Yojana, approved women receive a subsidy of up to Rs 2,00,000 for self-employment. This gives them financial strength and increases their self-reliance.
  3. Need for Private Investment: Under this scheme, women are not required to invest their own money in their projects. They can start projects even without any supplies.
  4. New funding pattern: The scheme encourages the process of repaying 95% of the loan, while the remaining 5% is contributed by the user or State Channelizing Agencies (SCAs). This makes the loan repayment process easier.

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Eligibility Criteria for New Swarnima Scheme for Women

Following are the eligibility criteria for availing loan under the new Swarnima Yojana:

  1. Being a woman: To avail the benefits of the scheme, the applicant must be a woman.
  2. Age Range: The age of the applicant should be between 18 to 55 years.
  3. employment: The applicant must be an employer or have a self-sustaining business.
  4. Income Range: The annual income of the applicant's family should be less than Rs 3 lakh.
  5. Backward Group Membership: The applicant must be a member of a backward group as prescribed from time to time by the Central or State Governments.

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New Funding Pattern

There is a new pattern of funding under the new Swarnima Scheme which provides financial assistance to the applicants. According to this pattern, part of the financial assistance is provided in the following manner:

  • Loan Contribution: This scheme encourages the process of repaying 95% of the loan. This means that the applicant has to pay only 5% contribution.
  • Investor's Contribution: The remaining 5% contribution is paid or provided by State Channelizing Agencies (SCAs). Due to this, the process of financial assistance is kept in mind.

Through this pattern, New Swarnima Yojana is able to provide financial assistance to the applicants, which helps them to start their businesses successfully.

Rajiv Gandhi Self-Employment Start-up Scheme Himachal Pradesh 2023-24:

Interest Rates for the New Swarnima Scheme

Following are the interest rates under the new Swarnima Scheme:

  • NBCFDC to SCA: 2% p.a.
  • From SCA to User: 5% per annum

Loan Repayment

The loan reimbursement process is as follows:

  • The loan balance will be repaid in four quarterly payments over four years.
  • There will be a pause in the existing initial reputation of eight months for the primary return.

Required Documents

Following are the documents required for New Swarnima Yojana:

  1. Identity Certificate (Aadhaar Card)
  2. Ration card
  3. resident certificate
  4. Caste certificate (for reserved category)
  5. Passport size photograph of the applicant

Widow Pension (Lakshmi Bai Samajik Suraksha Pension Yojana Bihar in Hindi)

Application Process for New Swarnima Scheme for Women

Following is the process to apply for the new Swarnima Yojana:

  1. Contact by official CA: Eligible women to apply for the new Swarnima Yojana should contact their local State Channelizing Agency (SCA) office and get the necessary details.
  2. Fill up the application form: The applicant has to fill the application form for New Swarnima Yojana with required details and complete it correctly. This will also include describing their business goals and needs.
  3. Submit Documents: The applicant must submit all the required documents along with the application form to the SCA office. SCA will scrutinize the application before approving the loan.
  4. Complete the application process: If the application is approved, SCA will complete the loan allotment process. After that, the applicant will get the loan amount and can start their business.
  5. User Support: Applicants will receive early user support and guidance as needed to make their business successful.

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In this way, women can move towards economic self-reliance and prosperity by applying for the new Swarnima Yojana.


Question: What is the new Swarnima Yojana?

Answer: New Swarnima Yojana is a government scheme that helps women in self-reliance by giving them Rs 2 lakh as loan on which 5% interest rate is applicable.

Question: Which people new golden moon Eligible for the scheme?

Answer: The scheme provides direct benefits to women, especially women from backward classes.

Question: new golden moon to plan What is the process of repayment of loan?

Answer: A maximum period of 8 years is given for reputation of loan, including a period of six months on receipt of reputation of the principal amount.

Question: new golden moon How can one apply for the scheme?

Answer: Application can be made in both offline or online mode, along with required documents.

Read more –

Note: Please Check all the Relevant Deatails Regarding this Scheme on the Official Website of this Scheme.

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