Rajasthan Mukhyamantri Nari Shakti Udyam Protsahan Yojana

Scheme Introduction: A Brief Overview

The Rajasthan government has launched the Mukhyamantri Nari Shakti Udyam Protsahan Yojana (MNSUPY) to empower women entrepreneurs across the state. This scheme replaces the previous Indira Mahila Shakti Udyam Protsahan Yojana and provides substantial financial support to women who wish to establish their own businesses and achieve financial independence.

The scheme addresses the key challenges women face in accessing capital and collateral security. Individual women can access loans up to Rs 50 lakh, while women's self-help groups, clusters, and federations can secure funding up to Rs 1 crore. The scheme offers 25% subsidy for general category women and 30% subsidy for SC/ST women, widows, abandoned women, violence victims, and disabled women. Loans up to ₹10 lakh are collateral-free, making business funding accessible to women without property or assets.

MNSUPY covers manufacturing, service, and trading sectors, supporting the establishment, expansion, and modernisation of women-led MSMEs. The scheme combines substantial loans, attractive subsidies, and relaxed collateral requirements to promote self-employment and reduce unemployment among women in Rajasthan. Nationalised banks, RBI-authorised private banks, Regional Rural Banks, Rajasthan Financial Corporation, and SIDBI will issue loans under the scheme. Subsidy allocated under the scheme will be deposited as a Term Deposit Receipt (TDR) for 3 years with zero interest on the covered loan amount. After 3 years, the committee inspects and verifies proper fund utilisation before the final subsidy adjustment.

Scheme Benefits

• Individual women can access loans up to ₹50 lakh for business establishment
• Women's self-help groups, SHG clusters, and federations can secure loans up to Rs 1 crore
• 25% subsidy on the disbursed loan amount for the general category women entrepreneurs
• Enhanced 30% subsidy for SC/ST women, widows, abandoned women, violence victims, and disabled women
• Maximum subsidy limit capped at Rs 15 lakh per beneficiary
• Collateral-free loans available for amounts up to Rs 10 lakh
• CGTMSE linkage option available for loans above Rs 10 lakh
• Applicant's own contribution will be considered for subsidy calculation
• Up to 20% of the project cost can be allocated for workshop/building construction

Eligibility Requirements

• Applicant must be 18 years or above in age
• Must be a permanent resident of the state
• For SHGs/clusters/federations: must be registered under the state government department
• For SHG clusters/federations: registration under the Cooperative Act is mandatory
• No family member should have benefited from central/state employment-oriented grant schemes in the last 5 years
• No family member should be a defaulter of any financial institution or bank
• Family definition includes husband, wife, and minor children only

Required Documents

• Aadhaar card of the applicant
• Permanent residence proof (domicile certificate, ration card, voter ID)
• Age proof documents (birth certificate, school certificate, Aadhaar)
• Caste certificate (if applicable for SC/ST category)
• Widow certificate (if applicable)
• Disability certificate (if applicable)
• Bank account details and passbook
• Detailed project proposal/business plan
• Registration certificate (for SHGs, clusters, federations)
• Passport-sized photographs
• Mobile number for communication
• Declaration regarding non-defaulter status

Steps to Apply

• Eligible applicants can apply online for the Mukhyamantri Naari Shakti Udyam Protsahan Yojana.
• Its online application form is available at the SSO Portal.
• Applicants can fill out the application form themselves; no CA or expert is required for general applications.
• Applicants can also visit the District Women Empowerment Office for monthly special camps to understand the application process
• To proceed, first log in to the SSO Portal; a new user must first register.
• After login, select the Mukhyamantri Naari Shakti Udyam Protsahan Yojana from the list of schemes.
  
• Read the instruction appeared, and click on the "Fill Application" button. 
  
• Fill in all information correctly in the application form, including personal details, category, and business information 
  
• Upload a detailed project proposal with a business plan, investment requirements, and expected returns
• Also, upload all required documents.
• For existing enterprises seeking expansion/diversification,/modernisation, obtain Udyog Aadhaar before applying.
• If investing your own land, building, or capital in the project, mention it, as it increases approval chances
• Review all details carefully and submit the application
• Save the application receipt and note down the application number for tracking
• Wait for SMS notifications at different stages; update mobile number if changed
• For loans below Rs 10 lakh, applications are processed automatically at the office level; no need to visit personally unless called
• Coordinate with the concerned bank, as final loan approval comes from the bank after departmental recommendation
• After loan disbursement, update progress regularly on the portal or mobile app
• Report any inappropriate demands or complaints to the 181 helpline

Covered Business Sectors

The Mukhyamantri Naari Shakti Udyam Protsahan Yojana provides a loan facility for all sectors, including:

• Manufacturing and industrial units
• Service sector enterprises
• Trading businesses (wholesale and retail)
• Dairy and animal husbandry units
• Agriculture-based enterprises and agro-processing
• Other MSME activities not falling under the excluded categories.

Business Activities Not Covered

The following business activities are not eligible for financial assistance under MNSUPY:

• Manufacturing and sale of meat products, liquor, and intoxicating substances
• Explosive substances and related products
• Transport vehicles with an on-road price exceeding ₹10 lakh
• Non-recyclable polythene and environmentally harmful plastic products
• Products or activities are banned by the Government of India or the State Government from time to time.

Application Evaluation and Approval Process

For Loans Up to ₹10 Lakh:

• Applications will be scrutinised and recommended by the Deputy Director/Assistant Director, Women Empowerment, at their own level
• After verification of all required documents, applications will be forwarded to the concerned bank branch without any interview
• These applications are processed automatically at the office level

For Loans Above ₹10 Lakh:

A District-Level Task Force Committee will be formed for the evaluation of applications exceeding ₹10 lakh. The committee comprises:

• Deputy Director/Assistant Director, District Women Empowerment Office (Coordinator)
• General Manager, District Industries Centre or representative
• Lead District Manager of the district's lead bank or representative
• Representative of the Regional Rural Bank of the district
• District Employment Officer or representative
• Representative of local government Engineering College/Polytechnic/ITI or MSME Development Institute
• District-level Officer, Rajasthan State Rural Livelihood Development Council (Rajeevika) or representative

Note: Minimum quorum of 4 members, including one bank representative, is mandatory. The Task Force Committee must meet at least once a month. Applications selected by the committee will be forwarded to the lending bank for loan approval.

Important Tips for Applicants

• Banks and the Women's Empowerment Department give priority to good projects with strong business plans
• Projects where applicants invest their own land, building, or capital resources are approved more easily
• If the loan is not sanctioned, don't be discouraged; prepare a better project proposal and reapply
• You can start a business by joining with like-minded people or groups, even without a loan initially
• Once your business is running at some level, banks approve loans more easily
• A loan is not everything for starting a business; explore collaboration and partnership opportunities
• Share your success stories on the Women Empowerment portal and social media to inspire others and attract additional support
• Sharing achievements helps in expanding market reach and may connect you with other assistance programs.
• Before applying for a loan, check whether your business falls under the scheme's covered sector.

Relevant Links

• Rajasthan Mukhyamantri Naari Shakti Udyam Protsahan Yojana Online Application
• Mukhyamantri Nari Shakti Udyam Protsahan Yojana Guidelines
• Rajasthan Women and Child Development Department

Contact Information

• Rajasthan Women and Child Development Department Phone Number: 0141-2716452
• Rajasthan WCD Email Helpdesk: commissionerwe.wcd@rajasthan.gov.in