Mahila Bachat Gat Loan — Quick Overview
| Scheme Name | Mahila Bachat Gat (SHG) UMED Loan Yojana 2026 � ₹20 Lakh at 4% Interest for Women Groups |
| State | Maharashtra (महाराष्ट्र) |
| Launched By | Government of Maharashtra |
| Launch Year | 2012 |
| Benefit | Loan up to ₹20 lakh at 4% interest (repayment up to 3 years) � for SHGs with 2+ years existence |
| Category | Women |
| Last Verified | 1 May 2026 |
| Official Portal | https://umed.in |
What is Mahila Bachat Gat Loan?
Maharashtra's Mahila Bachat Gat (Women Self Help Group) loan scheme under UMED (Maharashtra State Rural Livelihood Mission) provides loans up to ₹20 lakh at 4% interest rate to SHGs with 2+ years of existence, to support women's entrepreneurship and rural livelihood.
Under this scheme, eligible beneficiaries receive Loan up to ₹20 lakh at 4% interest (repayment up to 3 years) � for SHGs with 2+ years existence. The scheme was launched in 2012 and is implemented by the Government of Maharashtra.
महाराष्ट्र की महिला बचत गट (SHG) UMED ऋण योजना 2+ वर्ष पुराने महिला स्वयं सहायता समूहों को ₹20 लाख तक 4% ब्याज पर ऋण देती है।
₹20 लाख तक ऋण केवल 4% वार्षिक ब्याज पर � 2+ वर्ष पुराने SHG के लिए
महिला बचत गट (SHG) कर्ज योजना महाराष्ट्र राज्य ग्रामीण जीवनोन्नती अभियान (UMED) अंतर्गत राबविली जाते. किमान २ वर्षे जुन्या आणि UMED शी जोडलेल्या महिला बचत गटांना ₹२० लाखांपर्यंत फक्त ४% वार्षिक व्याज दराने कर्ज मिळते. परतफेड ३ वर्षांत करायची असते. या कर्जाचा उपयोग महिला सदस्य त्यांच्या उपजीविका व्यवसायासाठी करू शकतात � शेती, पशुपालन, लघुउद्योग इत्यादी.
📌 फायदा: ₹२० लाखांपर्यंत कर्ज � फक्त ४% व्याज � ३ वर्षांत परतफेड
पात्रता:
महाराष्ट्रात नोंदणीकृत, किमान २ वर्षे जुने, UMED शी जोडलेले महिला बचत गट.
अर्ज कसा करावा:
umed.in वर नोंदणी करा किंवा BDO/UMED क्षेत्र अधिकाऱ्याशी संपर्क करा. SHG दोन वर्षांच्या बैठक नोंदी व बचत पासबुक सादर करा. बँक लिंकेज नंतर कर्ज मिळते.
Benefits of Mahila Bachat Gat Loan
✅ Loan up to ₹20 lakh at 4% interest (repayment up to 3 years) � for SHGs with 2+ years existence
₹20 लाख तक ऋण केवल 4% वार्षिक ब्याज पर � 2+ वर्ष पुराने SHG के लिए
Who is Eligible for Mahila Bachat Gat Loan?
- ✓ Women Self Help Group (SHG) registered in Maharashtra
- ✓ SHG must be at least 2 years old
- ✓ SHG must be linked with UMED (Maharashtra State Rural Livelihood Mission)
- ✓ Annual family income of members below ₹3 lakh
- ✓ Active bank account for the SHG
- ✓ Regular savings and meeting records maintained
पात्रता — Marathi
- 1. महाराष्ट्रातील नोंदणीकृत महिला बचत गट (SHG)
- 2. SHG किमान २ वर्षे जुने असणे आवश्यक
- 3. UMED (महाराष्ट्र राज्य ग्रामीण जीवनोन्नती अभियान) शी जोडलेले
- 4. सदस्यांचे वार्षिक उत्पन्न ₹३ लाखांपेक्षा कमी
- 5. SHG चे सक्रिय बँक खाते असणे
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Documents Required for Mahila Bachat Gat Loan
How to Apply for Mahila Bachat Gat Loan Online?
- 1First, register your SHG with UMED at umed.in or through your Block Development Officer (BDO)
- 2Ensure SHG has been active for at least 2 years with regular savings and meetings
- 3Prepare meeting minutes and savings passbook records
- 4Apply for bank linkage through UMED field officer or Community Resource Person (CRP)
- 5Submit loan application at the linked bank branch with SHG documents
- 6Bank sanctions the loan after UMED endorsement
- 7Repayment in installments over 3 years at 4% interest
Official Government Portal — Maharashtra
Apply directly on the official Maharashtra government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply via UMED Maharashtra (umed.in)- 1Visit umed.in or contact your UMED District Mission Manager
- 2Provide your SHG registration number
- 3Check loan application and disbursement status
Frequently Asked Questions — Mahila Bachat Gat Loan
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