In this Blog post we are going to discuss about Himachal Pradesh HP Sashakt Mahila Rin Yojana, its eligibility, documentation , and application process.
Various schemes are being implemented by both the Central and State Governments to uplift the economic condition of women, making them self-reliant and empowered. In this direction, the Chief Minister of Himachal Pradesh, Sukhwinder Singh Sukhu, launched the “Empowered Women Loan Scheme” on July 20, 2023. Through this initiative, women in Himachal Pradesh can avail loans from banks to establish their own businesses and become financially independent.
What is HP Sashakt Mahila Rin Yojana 2023
The Himachal Pradesh Empowered Women Loan Scheme, also known as “HP Sashakt Mahila Rin Yojana,” aims to empower women financially through the Himachal Pradesh State Cooperative Bank (HPSCB). This scheme will provide loans to women for entrepreneurial ventures, livelihood activities, and meeting daily needs to uplift their families.
Empowering Women without Collateral
A significant advantage of this scheme is that women applying for loans will not be required to pledge any assets or consumable security as collateral. This collateral-free loan facility will enhance financial empowerment and enable women to lead dignified lives. The loan amount sanctioned by the state government will be directly transferred to the beneficiary woman’s bank account. To avail the benefits of the Himachal Pradesh Empowered Women Loan Scheme, women can apply through both online and offline processes.
Objectives of HP Sashakt Mahila Rin Yojana
The primary objective of launching the Sakshat Mahila Loan Yojana by Chief Minister Sukhwinder Singh Sukhu is to empower women in Himachal Pradesh by providing them with accessible loan facilities. This empowerment aims to enable women to meet their daily needs and pursue their dreams. With this scheme, women will no longer have to mortgage their properties to obtain loans for starting small businesses, reducing their fears of losing assets in difficult situations. The collateral-free loan facility will foster self-confidence and self-reliance among indebted women, contributing to the state’s social and economic development.
Loan Amounts Available
Under the Himachal Pradesh Empowered Women Loan Scheme, eligible women can access loans of Rs 21,000, Rs 51,000, and Rs 1,01,000. These loans will be deposited directly into the bank accounts of the beneficiaries. The process for loan application has been simplified, allowing more women to participate in this empowering initiative by HPSCB.
Interest Rate of HP Sashakt Mahila Rin Yojana
The HP Sashakt Mahila Rin Yojana offers loans with an interest rate of 8.51 percent, which is lower than the interest rates on other loans provided by the Himachal Pradesh State Cooperative Bank (HPSCB) except for agriculture loans. This attractive interest rate will prove to be beneficial for women seeking funds for livelihood activities.
Benefits and Features of Himachal Pradesh Sashakt Mahila Rin Yojana
The Himachal Pradesh Sashakt Mahila Loan Yojana offers several benefits and features:
- The scheme aims to make women financially empowered by providing loan facilities to start their businesses.
- Loans ranging from Rs 21,000 to Rs 1,01,000 are available to women in the state.
- Cooperative banks in Himachal Pradesh will exclusively provide these loans to women.
- The loan amount will be directly transferred to the beneficiary’s bank account.
- The scheme offers collateral-free loans, eliminating the need for property mortgages.
- The scheme is open to women of all religions and castes, promoting inclusivity and equal opportunities.
- By encouraging women to start businesses, the scheme fosters entrepreneurship and economic growth in the state.
Eligibility for HP Sashakt Mahila Loan Scheme
To be eligible for the HP Sashakt Mahila Loan Yojana, applicants must meet the following criteria:
- The applicant must be a native of Himachal Pradesh.
- Only women residing in Himachal Pradesh can benefit from this scheme.
- The applicant must have a bank account in a cooperative bank in Himachal Pradesh, linked with the Aadhaar card.
Documents Required
To apply for the Himachal Pradesh Sashakt Mahila Rin Yojana, the following documents are necessary:
- Aadhar card
- Address proof
- Income certificate
- Ration card
- Bank account details
- Mobile number
- Passport size photo
Online Application Process
To apply online for the Himachal Pradesh Sashakt Mahila Loan Yojana, follow these steps:
- Visit the official website of HPSCB.
- Click on the “Loans” section.
- Select “Sashakt Mahila Rin Yojana” from the list of schemes.
- Fill in the required details in the application form, such as name, address, district, tehsil, mobile number, and account number.
- Upload the necessary documents as asked in the application form.
- Click on “Submit” to complete the application process.
- After scrutiny, the loan amount will be credited to the bank account of the applicant.
- Click Here to read the full official notification
- Home Page Click Here
Offline Application Process
To apply offline for the Himachal Pradesh Empowered Women Loan Scheme, follow these steps:
- Visit the branch of HPSCB Bank.
- Obtain the application form for the Sashakt Mahila Loan Yojana from a bank official.
- Fill in the necessary information in the application form.
- Attach the required documents with the application form.
- Submit the completed application form at the bank.
Read More
Conclusion
The Himachal Pradesh Sashakt Mahila Rin Yojana 20232023 is a significant step towards promoting women’s financial independence and entrepreneurship in the state. With the provision of collateral-free loans and an attractive interest rate, this scheme aims to empower women to achieve their dreams and contribute to the socio-economic development of Himachal Pradesh. By providing women with the means to start businesses and livelihood activities, the state government is fostering a future of prosperity and gender equality.
FAQs
- Who launched the Himachal Pradesh Empowered Women Loan Scheme?
- The Empowered Women Loan Scheme was launched by the Chief Minister of Himachal Pradesh, Sukhwinder Singh Sukhu, on July 20, 2023.
- What is the interest rate offered under the scheme?
- Women can avail themselves of loans at an interest rate of 8.51 percent, which is lower than the interest rates on other loans provided by HPSCB.
- How can women apply for the loan scheme?
- Women can apply for the Empowered Women Loan Scheme through both online and offline processes.
- What is the main objective of the Himachal Pradesh Sashakt Mahila Rin Yojana? The main objective of the scheme is to empower women financially and help them meet their day-to-day needs and pursue their dreams.
- What are the loan amounts available under the scheme?
- Eligible women can avail loans of Rs 21,000, Rs 51,000, and Rs 1,01,000 under the Empowered Women Loan Scheme.
One thought on “Himachal Pradesh HP Sashakt Mahila Rin Yojana- Apply Now to Avail Loan facility at low interest rate for Women I हिमाचल प्रदेश सशक्त महिला ऋण योजना”