Maharashtra UMED Mahila Bachat Gat loan scheme provides up to ₹20 lakh at just 4% annual interest to women SHGs with 2+ years of existence. Apply through BDO or umed.in.
महाराष्ट्र UMED महिला बचत गट ऋण योजना 2+ साल पुराने SHG को ₹20 लाख सिर्फ 4% ब्याज पर देती है। BDO या umed.in से आवेदन करें।
📢 Latest Update — June 2026:
The Mahila Bachat Gat (Women SHG) loan scheme under UMED — the Maharashtra State Rural Livelihood Mission (MSRLM) — continues to run year-round. Rural women's self-help groups that have been active for 2 or more years can apply for bank-linked loans of up to ₹20 lakh at 4% annual interest. There is no fixed last date; applications are processed through your Block Development Officer (BDO) and the UMED field team whenever your group is ready. Always confirm the current terms on the official portal at umed.in before applying.
⚡ Key Facts at a Glance
What is the Mahila Bachat Gat (UMED) Loan Scheme?
The Mahila Bachat Gat (Women Self Help Group) Loan Scheme under UMED — the Maharashtra State Rural Livelihood Mission (MSRLM) — is one of the most effective tools for rural women's economic independence. Women's self-help groups (SHGs) that have stayed active for 2 or more years can access bank-linked loans of up to ₹20 lakh at just 4% annual interest — far below most commercial bank rates — to fund livelihood activities such as agriculture, small business, or animal husbandry. You can read the full overview on the UMED Mahila Bachat Gat scheme page.
The idea is simple: instead of women borrowing individually at high interest from informal lenders, they pool their savings as a registered group, build a track record over two years, and then become eligible for low-cost institutional credit. The loan is sanctioned to the group, and the members decide together how to use and repay it.
For example, imagine a group of 12 women in a village forms an SHG, saves a small amount every month, and keeps proper records for two years. After completing this period and getting UMED's endorsement, the group could apply for a bank-linked loan to start a tailoring unit or buy dairy cattle. (This is a hypothetical illustration — your actual loan amount and approval depend on the bank's assessment and UMED verification.)
Who is Eligible — Complete Criteria 2026
- ✅ A women's self-help group (Mahila Bachat Gat) of about 10–20 members from the same village or neighbourhood
- ✅ SHG must be active for a minimum of 2 years with regular savings and meeting records
- ✅ Members' annual income below ₹3 lakh
- ✅ Group should be registered with UMED through the Block Development Officer (BDO)
- ✅ SHG must operate a joint bank account
- ❌ Newly formed groups that have not completed 2 years of active operation
- ❌ Groups without proper savings and meeting records
- ❌ Members whose annual income exceeds the ₹3 lakh limit
How to Apply — Step-by-Step 2026
- Form your SHG: Bring together a group of 10–20 women from the same village or neighbourhood.
- Register with UMED: Approach your Block Development Officer (BDO) to enrol the group under the Maharashtra State Rural Livelihood Mission.
- Maintain records for 2 years: Keep regular weekly or monthly savings, hold meetings, and document minutes for at least 2 years.
- Open a joint bank account: Open and operate a group bank account for the SHG's pooled savings.
- Apply for bank linkage: After 2 years, apply for bank linkage through the UMED field officer or Community Resource Person (CRP).
- Submit SHG documents: Provide the bank with registration papers, 2-year savings records, and meeting minutes.
- Loan sanction: The bank sanctions the loan after UMED's endorsement.
- Repay in installments: Repay over a period of up to 3 years at 4% interest.
Documents Required
| Document | Purpose |
|---|---|
| SHG registration with UMED | Proof the group is enrolled under MSRLM |
| 2-year savings records | Shows the group's active financial history |
| Meeting minutes / register | Evidence of regular group functioning |
| Joint bank account details | Account where the loan is credited |
| Members' Aadhaar & income details | Identity and income-limit verification |
Myth vs Reality
| Myth | Reality |
|---|---|
| "Any new group can get ₹20 lakh immediately." | The SHG must be active for a minimum of 2 years before applying for bank linkage. |
| "The loan goes to one woman." | It is a group loan; members decide together on use and repayment. |
| "Approval is guaranteed once you apply." | The bank sanctions the loan after assessment and UMED endorsement — it is not automatic. |
| "You must pay an agent to get registered." | Registration is done officially through your BDO; never pay middlemen for the process. |
Important Dates & Deadlines 2026
- ✅ Applications: Year-round — there is no fixed last date.
- ✅ SHG maturity: Apply for bank linkage only after completing 2 years of active operation.
- ✅ Repayment window: Up to 3 years from loan sanction.
- ❌ Do not rely on rumoured "closing dates" — always verify the current status on umed.in.
Frequently Asked Questions
Q: Our group's loan amount hasn't been credited. What should we do?
First confirm the loan was formally sanctioned by the bank. Check the SHG's joint bank account passbook and ask the branch about the disbursement status. If there is a delay, follow up with your UMED field officer or Community Resource Person (CRP), who coordinates the bank linkage.
Q: How do we check our application status?
Track progress through the UMED field officer or CRP who submitted your group's bank-linkage request, and ask your lending bank branch directly. You can also check the official portal at umed.in for guidance and contact details.
Q: Our application was rejected. Can we reapply?
Yes. Ask the bank or UMED officer for the specific reason — common ones are incomplete records or not meeting the 2-year activity requirement. Fix the gap (for example, organise savings and meeting records) and reapply once the group is eligible.
Q: The sanctioned amount seems lower than ₹20 lakh. Why?
₹20 lakh is the maximum. The actual amount depends on the bank's assessment of the group's savings, repayment capacity, and the proposed livelihood activity. Discuss the assessment with the bank if you have questions.
Q: Is Aadhaar / eKYC needed and must accounts be linked?
Members will generally need Aadhaar for identity verification, and the bank will complete its KYC checks. Make sure each member's Aadhaar is up to date and that the SHG's joint bank account is in order before applying.
Q: We are a brand-new group. Can we apply now?
Not yet for bank linkage. Register with UMED through your BDO, then maintain regular savings and meeting records for 2 years. After that, your group becomes eligible to apply for the bank-linked loan.
Q: Does this scheme differ in other states?
This particular scheme runs under UMED / MSRLM in Maharashtra. Other states have their own State Rural Livelihood Missions with similar SHG loan programmes, but the rates, limits, and processes can differ. For Maharashtra, follow the steps above and check umed.in.
Q: How do we file a complaint if something goes wrong?
Start with your BDO and UMED field officer. If the issue is not resolved, you can raise a grievance on the national public grievance portal at pgportal.gov.in.
Helpline Numbers & Grievance Portal
- ✅ Official portal: umed.in
- ✅ First point of contact: Your Block Development Officer (BDO) for SHG registration and linkage
- ✅ Field support: UMED field officer or Community Resource Person (CRP) in your block
- ✅ National grievance portal: pgportal.gov.in
- ✅ Helpline: Check the official portal or your BDO office for the current number
You can also browse other women-focused and central government schemes to compare benefits before you apply.
📋 बचत गट नोंदणी व कर्ज प्रक्रिया (मराठी)
१०–२० महिलांचा गट तयार करा. UMED/BDO कार्यालयात नोंदणी करा. दोन वर्षे नियमित बचत, बैठका आणि नोंदी ठेवा. गटाचे संयुक्त बँक खाते उघडा. दोन वर्षांनंतर UMED क्षेत्र अधिकारी किंवा CRP यांच्यामार्फत बँक लिंकेजसाठी अर्ज करा. बँकेने मंजुरी दिल्यावर ₹२० लाखांपर्यंत फक्त ४% वार्षिक व्याज दराने कर्ज मिळते आणि परतफेड ३ वर्षांपर्यंत करता येते. सदस्यांचे वार्षिक उत्पन्न ₹३ लाखांपेक्षा कमी असावे. अधिक माहितीसाठी umed.in पाहा किंवा आपल्या BDO कार्यालयाशी संपर्क साधा.
🇮🇳 हिंदी में पढ़ें (Read in Hindi)
महाराष्ट्र में UMED (महाराष्ट्र राज्य ग्रामीण जीवनोन्नती मिशन) के तहत महिला बचत गट को ₹20 लाख तक सिर्फ 4% वार्षिक ब्याज पर ऋण मिलता है। 3 साल में चुकाना होता है।
पात्रता
- UMED से जुड़ा, कम से कम 2 साल पुराना SHG
- सदस्यों की वार्षिक आय ₹3 लाख से कम
- नियमित बचत और बैठक रिकॉर्ड
आवेदन
umed.in या BDO कार्यालय से संपर्क करें। 2 साल का रिकॉर्ड दिखाकर बैंक लिंकेज कराएं।
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