What is Mahila Bachat Gat Loan?
The Mahila Bachat Gat (Women Self Help Group) loan scheme operates under UMED, the Maharashtra State Rural Livelihood Mission (MSRLM), part of the Rural Development Department's effort to strengthen women-led grassroots enterprises. It enables mature women's SHGs to access bank-linked credit of up to ₹20 lakh at a concessional 4% annual interest rate, with repayment spread over about three years. To qualify, the group must be registered, at least two years old, linked to UMED, and maintain regular savings, meeting minutes, and an active SHG bank account, while members' annual family income stays below ₹3 lakh. Women use the funds for livelihood activities such as farming, dairy and goat rearing, small manufacturing, and trading, with disbursal handled through the group's bank account after UMED endorsement.
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 | 17 June 2026 |
| Official Portal | https://umed.in |
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
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
Applications go through umed.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗 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
Real-Life Examples — Are You Eligible for Mahila Bachat Gat Loan?
Not sure you qualify? Compare yourself with these Mahila Bachat Gat Loan scenarios:
A 12-member women's SHG in rural Solapur, registered and active for 3 years with regular savings and an SHG bank account
Eligible — the group is over 2 years old, UMED-linked, and maintains savings and meeting records
Sarita's SHG of 15 women whose members each have annual family income below ₹3 lakh, applying for a livelihood loan
Eligible — members are within the income limit and the group meets UMED bank-linkage norms
A women's SHG formed only 8 months ago seeking the ₹20 lakh loan
Not eligible — the SHG must be at least 2 years old to qualify for bank linkage under this scheme
Sample profiles, not guarantees — recheck the notified criteria before you apply.
Common Mistakes — Why Mahila Bachat Gat Loan Applications Get Rejected
- ✗Applying before the SHG completes 2 years of active existence with documented savings.
- ✗Incomplete or irregular meeting minutes and savings records, which break the bank-linkage assessment.
- ✗Members' Aadhaar or income details not matching across documents, delaying verification.
- ✗Treating it as an individual loan — this is a group loan that requires UMED linkage and an active SHG bank account.
Insider Tips for Mahila Bachat Gat Loan
- →Maintain disciplined monthly savings, meetings, and minutes from day one so the 2-year track record is ready when you apply.
- →Register and link your group with UMED through your Block Development Officer or Community Resource Person early.
- →Keep the SHG bank account active and all members' Aadhaar-linked accounts in order before seeking bank linkage.
- →Prepare a clear loan-purpose or livelihood plan; urban SHGs should instead check NULM through their Urban Local Body.