How to Take Women Personal Loan – 2024

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How to Take Women Personal Loan – Nowadays women are also not behind in any work. That is why they are also taking loans to meet their needs.

But still many women are not aware of how to get a personal loan. Due to which women search on Google for personal loan, how to get personal loan for women, what are the loans for women.

But now you do not worry, because in today’s post we are going to give you the best information about taking women’s personal loan. By adopting which housewives will be able to apply for personal loan from the bank.

In this post, we are going to overview about women business loan and how to take personal loan from some banks. In today’s post, we are going to tell you in detail which loans are available for women.

Keeping your demand in mind, we are going to tell you about the methods of taking personal loan. So that you can understand how to take a personal loan in the easiest way.

Let us tell you that today a woman will not have to work as hard to get a personal loan as she did in earlier times.

However, you will find some women personal loan schemes in the bank, for which the government has started a campaign to provide personal loans to special women.

In today’s post Mahila Personal Loan Kaise Le, I am going to tell you about 2 ways to take Mahila Personal Loan.

By adopting this, women can take personal loan through online and offline banks. So let us know about women personal loan.

Note – If you are a woman and want to take a personal loan, then you can go to the bank and fill the application form, but if you want to know how to take a personal loan from mobile, then read this.

In the information given below, we are going to tell about the methods of taking women’s personal loan, the banks and loan companies and how much loan women get with its help.

What is Mahila Personal Loan?

Let us tell you that whenever we take a loan in the form of money from a bank or institution to meet our personal needs, it is called personal loan.

Anyone can take a personal loan, be it a man, a woman or a student. You can choose a bank or loan company to apply for a personal loan. Nowadays, many companies are providing the facility of giving online loans at attractive interest rates.

Where to get women personal loan

To take Mahila Personal Loan, first of all you can take loan from various types of schemes run by the government, in which very low interest or cheapest personal loan is available.

While you can easily get a loan ranging from Rs 10,000 to Rs 50,000 by applying for a loan, but do you know that there are many other ways to get a loan for women.

Below we are going to tell you about all those methods, so that you can get low interest, eligibility, name of the bank/loan company.

How to get women personal loan

To take a women’s personal loan from a bank or NBFC, you will have to apply for Personal Loan for Housewives.

In this, many banks and institutions are giving personal loans to women at very low interest. But for this you will have to follow some criteria.

There are many such banks/institutions in India which are bringing new loan schemes for women, which you can find out online and apply for.

Do women get Mudra loan?

Let us tell you that for Mudra Loan, the woman will have to start a business or you should already have a small business.

By the way, if you want to apply for business, then you can read our post how to get Mudra loan, in which we have explained clearly in how many days it takes to get Mudra loan at low interest.

Under this government loan scheme, business people can get loans ranging from Rs 50,000 to Rs 10 lakh in 3 categories.

Top 7 Women Personal Loan Bank List

Let us now know who are included in the women’s personal loan bank list, apart from this we will also know in details the interest charged on them.

Personal Loan Bank ListLoan AmountAnnual interest rate
HDFC Bank Personal LoanUp to ₹40 lakh10.50 % to 25.00%
Axis Bank Personal LoanUp to ₹40 lakhStarting at 10.49%
SBI Personal LoanUp to 20 lakhStarting at 9.60%
Bank of Baroda Personal Loan₹1 lakh to ₹20 lakh11.75% to 16%
ICICI Bank Personal LoanUp to 20 lakhStarting at 10.50%
Kotak Personal LoanUp to ₹40 lakh3% Per Month
Citibank Personal Loan₹10,000 to ₹30,00,000Starting at 10.99%

How to take Women Personal Loan from Bank – Personal Loan Apply (2023)

These are all those banks which give loans through Mahila Samridhi Yojana, women from backward classes can avail the benefits of this scheme. In this, Mahila Loan can take loan up to Rs 60,000.

Under this scheme, women can take direct loan and can also take loan from self-help groups, how can you apply for it? Let us have an overview of it.

Mahila Samriddhi Yojana applicants can take loans from State Channelising, Regional Rural Banks and Nationalized Banks.

Its special thing is that it gives a free period of 6 months to repay the loan along with 4 years.

Which category of women can apply for Mahila Samridhi Yojana?

Under this scheme, women belonging to scheduled and backward classes and who are below the poverty line can avail the benefits of this scheme. Apart from this, those who are housewives whose annual family income is less than Rs 3 lakh.

They can also apply for this scheme, apart from this the age of the applicant should not be less than 18 years.

Interest rate of Mahila Samriddhi Yojana

If you get a loan under NBCFDC, then its interest rate is 1%, whereas if you get a loan from the State Channelising Institution, the interest rate is 4%.

How to Take Women Personal Loan - 2024
How to Take Women Personal Loan – 2024

Document for Mahila Samriddhi Yojana

Voter ID Card
Aadhar card
Address proof
Photocopy of ration card
caste certificate
Bank statement
age certificate

Eligibility for Women Personal Loan

Applicant must be female.
You belong to backward class.
Your annual income should be less than Rs 3 lakh.
There should be all the documents related to this scheme.
Your age should be between 18 to 59.

Process to Apply Mahila Samriddhi Yojana

  • To apply, go to the State Channelizing Agency, there you will get the application form of Mahila Samriddhi Yojana.
  • Fill in your income and all your information and attach the documents.
  • After that attach the photocopies of the required documents with the form.
  • After that submit the form to the same agency.
  • After this your form and your related information will be checked.
  • After that, if everything is correct, your loan will be approved.
  • In this way, you can expand your business, take emergency loan or personal loan through Mahila Samriddhi Yojana.

How to take women personal loan online – Personal Loan Apply

You can also apply online to take a personal loan, all you need is Aadhaar card, PAN card and a selfie.

Where you have to upload these documents by giving some basic information, and after that you will get Mahila Loan for more than Rs. 30,000.

Where women can take online loan, there are many RBI approved loan companies whose names you are going to know below.

Best Women Personal Loan App

Women Personal loan AppAnnual Interest Rate
ZestMoneyUp to 36 %
MoneyView16% to 39%
HomeCredit19% to 56%
Kissht14% to 28%
mPokket2% to 6% Per Month
KreditBee0% to 29.95%
MoneyTap13% to 36%

How to Apply Personal Loan

Whichever of these applications you have downloaded. How a woman can take a personal loan from him is explained step by step below.

  • To take loan from any of these apps, download it from Play Store.
  • After this, register in it by giving your mobile number.
  • Now you have to enter your mobile number again for verification.
  • After that tick on I Agree and submit.
  • After that you have to do KYC by selecting your name, age, gender.
  • After that you will be given to choose the amount as to how much loan you want.
  • After selecting the loan amount, click OK.
  • Your credit score will be checked.
  • After waiting for a few minutes your loan will be approved.
  • And you can transfer money to the bank by giving your bank account.

FAQ’s How to Take Women Personal Loan – 2024

Q.1 How much loan do women get?

Ans. Under Mahila Samriddhi Yojana, loans up to Rs 60,000 are being provided to the beneficiaries.

Q.2 Can women get loan without guarantee?

Ans. In some places, a guarantor is not required to take a loan. Like – Government Loan Scheme through online app.

Q.3 How to get women personal loan?

Ans. To take a women’s personal loan, read the article mentioned above and you will get the loan.

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