30th September, 2020

Udyogini Scheme


This scheme is promoted by Punjab and Sind Bank (PSB). Women entrepreneurs in the field of agriculture, retail, small businesses etc can avail loans under this scheme.
Loan/ limit will be assessed on case-to-case basis. Loans are available at low interest rates and on flexible terms.

For loans upto Rs. 25,000 :

  • No margin.
  • No collateral security.
  • Only pledge of assets created out of the bank funds will be taken as security.

For loans above Rs. 25,000:

  • 15-25% (depending on the purpose and quantum of loan)
  • Pledge of assets created out of bank loan
  • Guarantee of spouse/ third party
  • Collateral security in the form of land/building property atleast double the value of loan (including the value of assets in case of term loan)


Documents Required

  • Fill in basic/preliminary details in the Loan Application Form provided by the Bank.
  • Loan will be sanctioned by the bank subject to appraisal as per bank rules.
  • In order to determine that eligibility criteria are met, necessary documents/ proof (including details such as one’s annual income) will have to be provided.
  • Other details may be demanded on case specific terms.


  • Loans are available at low interest rates and on flexible terms.
  • If the MSEs cases are covered under Credit Guarantee Fund Scheme for Small Industries, no collateral security is required for loan/limits upto Rs. 25 lakhs.