Let us start with something that a lot of women in Haryana know from personal experience but rarely say out loud.
Having an idea is not the hard part. The hard part is having the money to act on it.
There are women across every district of this state who have real skills, real ideas, and a genuine drive to build something of their own. A woman in a village who knows exactly how to make something people will buy. A woman in a small town who has spent years developing a skill that her whole neighbourhood depends on and knows deep down she could turn that into a proper business. A woman who has watched the people around her run successful ventures and thought quietly to herself — I can do this too. I know I can.
But between that thought and actually doing something about it there is always one wall. Money. Starting capital. The initial investment that turns an idea sitting in someone’s head into a real business producing real income.
And here is the frustrating reality that most of these women face. They are not poor enough to qualify for welfare schemes. But they are also not wealthy enough or well-connected enough to walk into a bank and get a business loan easily on their own. Banks ask for collateral. Paperwork is overwhelming. Interest rates make repayment feel impossible before you even start. The formal credit system as it exists was simply never built with a first-time woman entrepreneur from a middle income family in mind.
The Haryana Government saw this gap clearly and decided to do something real about it.
The Mukhyamantri Matrushakti Udyamita Yojana was announced during the Haryana Budget Session 2022-23 and launched specifically to give married women from families with annual income up to Rs. 5 lakh the financial foundation they need to start their own business. Under this scheme eligible women can get a collateral-free loan of up to Rs. 5 lakh. The Haryana Women Development Corporation provides a 7 percent interest subsidy for three years as long as repayments are made on time. And there is a three month moratorium after the loan is disbursed — meaning no EMI pressure during the first three months while the business is just getting started.
No collateral. Subsidised interest. Time to breathe before repayments begin. Government backing behind every approved loan.
This complete guide covers everything about this scheme — what it is, who qualifies, exactly what you get, what documents you need, and how to apply from start to finish.
The Mukhyamantri Matrushakti Udyamita Yojana is a women’s entrepreneurship and self-employment scheme launched by the Haryana Government and implemented through the Haryana Women Development Corporation Limited HWDCL under the Department of Women and Child Development, Haryana.
The name itself says everything about what this scheme stands for. Matrushakti means the power and strength of women — of mothers, of women as the backbone of their families and communities. Udyamita means entrepreneurship. Together the name means — channelling the strength of women into businesses of their own.
What makes this scheme genuinely different from a regular business loan is the interest subsidy. When a woman from a middle income family approaches a bank for a business loan she typically faces market interest rates that can make repayment feel crushing for a new and small business. Under this scheme HWDCL covers 7 percent of the prevailing interest rate on the loan — for three full years — as long as the borrower pays her EMIs on time consistently. That single provision makes the effective cost of the loan dramatically more affordable and turns a potentially overwhelming financial burden into something genuinely manageable.
Details | Information |
Scheme Name | Mukhyamantri Matrushakti Udyamita Yojana |
Announced In | Haryana Budget Session 2022-23 |
Implemented By | Haryana Women Development Corporation HWDCL |
Department | Women and Child Development, Haryana |
Maximum Loan Amount | Up to Rs. 5 Lakh |
Interest Subsidy | 7 Percent on Prevailing Rate |
Subsidy Duration | 3 Years on Timely Repayment |
Collateral | Zero — Completely Collateral Free |
Moratorium Period | 3 Months After Loan Disbursement |
Annual Family Income Limit | Up to Rs. 5 Lakh via PPP |
Official Website | |
HWDCL Helpline | 0172-2564720 |
HWDCL Email | hwdc1982@gmail.com |
Before eligibility it helps to understand what the Haryana Government is genuinely trying to achieve because the purpose is bigger than just loan disbursement:
The scheme aims to make women economically independent by giving them real and practical access to formal credit for the first time. It works to close the gap between women who have genuine business ideas and skills and a financial system that was historically not designed to support them easily. It encourages self-employment among women from middle income families who fall in that difficult middle ground — not poor enough for welfare but not wealthy enough for easy bank credit. It contributes to local employment because when a woman builds a successful business she almost always creates work for others in her community too. And it builds financial confidence and capability in women entrepreneurs across Haryana by giving them a real foundation to stand on and real skin in the game from day one.
Here is the complete eligibility breakdown — go through each condition carefully:
Only Women Can Apply
This scheme is exclusively for women. There are no exceptions to this. It was designed specifically to support female entrepreneurship and self-employment and men cannot apply under any circumstances.
Must Be a Married Woman
The scheme is specifically for married women. Unmarried women are not eligible to apply under this scheme.
Permanent Resident of Haryana
You must be a permanent domicile resident of Haryana. The scheme is only for women who are permanently living in Haryana. Women from other states are not covered.
Age Between 18 and 60 Years
You must be between 18 and 60 years of age at the time of applying. Women below 18 or above 60 do not qualify.
Annual Family Income Up to Rs. 5 Lakh
Your annual family income from all sources must not exceed Rs. 5 lakh as per the data in your Parivar Pehchan Patra PPP Family ID. This verification happens automatically the moment you enter your Family ID. So before you do anything else go and confirm your Family ID is active and showing the correct income. If it is showing an incorrect or inflated figure get it corrected at your nearest Common Service Centre or SARAL Kendra before applying.
No Government Employee in the Family
No member of your family should be employed in a government job. If even one family member is in government service the application will not qualify under this scheme.
Not a Loan Defaulter
You must not have been declared a defaulter by any bank or financial institution. If any previous loan of yours has been classified as a Non-Performing Asset NPA or if you have a history of default on any formal loan you are not eligible to apply. Please be completely honest about this. The condition exists to ensure the loan goes to women who are genuinely in a position to use it responsibly and repay it.
PPP Family ID is Mandatory
Your name must be present in your Parivar Pehchan Patra Family ID. Without a valid and active Family ID the application simply cannot be processed.
Aadhaar-Linked Bank Account
You must have a bank account linked to your Aadhaar card. This is required for the direct transfer of the loan amount and for the interest subsidy payments from HWDCL.
Quick Summary:
Condition | Requirement |
Gender | Only Women |
Marital Status | Married Women Only |
Residency | Permanent Resident of Haryana |
Age | 18 to 60 Years |
Annual Family Income | Up to Rs. 5 Lakh via PPP |
Government Job | No Family Member in Government Job |
Loan Default | Must Not Be a Defaulter |
PPP Family ID | Mandatory |
Bank Account | Must Be Aadhaar-Linked |
Let us go through every benefit clearly and honestly:
Collateral-Free Loan Up to Rs. 5 Lakh
The most powerful benefit of this scheme is access to a collateral-free loan of up to Rs. 5 lakh from a participating financial institution. Collateral-free means you do not have to pledge your house, land, gold, or any other asset as security. The government through HWDCL facilitates the loan without asking you to put anything on the line except your commitment to repay.
When the scheme was first announced the maximum loan was Rs. 3 lakh. It has since been revised upward to Rs. 5 lakh — a meaningful increase that allows women to start slightly more substantial ventures and invest adequately in their businesses from the beginning rather than starting underfunded.
7 Percent Interest Subsidy for 3 Years
This is the benefit that makes the loan genuinely affordable rather than just accessible.
The Haryana Women Development Corporation pays 7 percent of the prevailing interest rate charged by the financial institution on your behalf — for three full years. But this only works if you pay your EMIs on time every single month. The moment repayments become irregular or stop the subsidy stops too.
Think about what this means in practice. If the bank is charging 12 percent per year on your loan HWDCL covers 7 percent of that and you effectively pay only 5 percent. Every month. For three years. That difference in effective interest rate is not small — it adds up to a significant amount of money saved over the course of the loan and makes the monthly repayment burden genuinely light.
Three Month Moratorium
After the loan hits your account you do not have to start repaying immediately. You get three months of moratorium — three months where no EMI is due and no repayment is expected. This is genuinely important for a new business. The first few months after starting anything are almost always when costs are the highest and revenue is the slowest. The moratorium gives you time to set things up, get your first customers, start generating income, and find your footing before the repayment clock begins.
Complete Freedom to Choose Your Business
This scheme does not give you a restricted list of approved businesses and tell you to pick from it. You can start any legitimate enterprise, trade, or business of your choice. Tailoring unit, beauty parlour, food processing, small retail shop, online business, handicrafts, poultry, dairy, coaching classes, bakery, mobile repair — the choice is entirely yours. You know your skills, your neighbourhood, and your market better than any government official does. This scheme gives you the money and trusts you to use it wisely.
Collect all these documents before you begin the application process:
- Aadhaar Card of the applicant
- Parivar Pehchan Patra PPP Family ID — your name must be on it
- Permanent Residence Certificate or Haryana Domicile Certificate
- Marriage Certificate or any proof of married status
- Address Proof — Aadhaar, electricity bill, or ration card
- Bank Account passbook — must be Aadhaar-linked and in your name
- Passport size photograph
- Business Plan or clear written description of the business you want to start
- Income proof or self-declaration of annual family income
- Caste Certificate if applicable
Self-attest every document before submitting — sign across it and write Self Attested clearly.
Applications go through the Haryana Women Development Corporation. The process is straightforward but you need to go in prepared. Here is exactly what to do from the very beginning:
Seriously — do this first before visiting any office or filling in any form.
Go to hwdcl.org and spend a few minutes reading through the current information about this scheme. Check what the application procedure looks like right now, which banks are currently participating, what documents are being asked for, and whether anything has changed since you last heard about it. Government schemes get updated from time to time and you do not want to show up at an office with the wrong documents or wrong information.
If reading through a website feels confusing or you would rather just talk to someone directly that is completely fine too. Walk into the HWDCL office at SCO-212, 2nd Floor, Sector 14, Panchkula and ask your questions face to face. The staff there will tell you exactly what you need to know and what to bring when you come back to submit.
Once you are clear on everything go and collect the application form for the Mukhyamantri Matrushakti Udyamita Yojana from the HWDCL office. The form is free. Nobody should be asking you to pay for it. Also check the official website to see whether the form can be downloaded and printed at home — because if it can that saves you an extra unnecessary trip.
Do not rush this step. Out of everything in this entire process this is the one that deserves the most time and care.
Sit somewhere quiet, lay out every single document in front of you, and fill in each field carefully. Full name, address, age, marital status, Aadhaar number, PPP Family ID number, annual family income, bank account details — everything exactly as it appears on your documents. Not approximately. Not close enough. Exactly.
Now the part that most women underestimate — the business description section.
This is not a formality. This section is actually read and evaluated during scrutiny and it can genuinely make or break your application. So do not write something vague like I want to open a shop or small business idea. That tells the people reviewing your application absolutely nothing and gives them no reason to feel confident about approving your loan.
Instead write something real. What is the business specifically. What will you make or sell or provide. Who are your customers and why will they come to you. What do you need to buy or set up to get started. And exactly how do you plan to use the loan amount — what goes where. Write it the way you would explain it to someone sitting across from you who genuinely wants to understand what you are trying to build.
A woman who shows up with a clear, honest, and thought-through business plan is taken seriously. A vague application gets pushed to the bottom of the pile. This is your one real chance to make a strong impression — use it properly.
Before attaching anything sign clearly across every single supporting document and write Self Attested on each one. Every document — without skipping a single one. An unattested document is grounds for your application to be sent straight back to you.
After everything is attested attach all documents neatly together with your filled form. Now before you pick up your bag and leave the house sit down for just two minutes and go through your document checklist item by item. Tick off every single thing. This two minute check has saved countless people from making a wasted trip. A missing document means coming back again — and that delay is completely avoidable.
Take everything to the HWDCL office and submit your complete application package. Hand it over to the staff and then stay right there until you have a proper written acknowledgement receipt in your hand.
Before you walk out look at that receipt carefully. Your name should be on it. The date of submission should be clearly written. It should look complete and official. Then put it somewhere genuinely safe — not at the bottom of a bag you never open. Somewhere you can find it immediately if you ever need it.
That receipt is your proof. If any question or confusion comes up later about whether you submitted correctly or when you submitted that receipt is what stands up for you. Guard it.
After you submit HWDCL goes through your application thoroughly. They check every document, verify your eligibility through the PPP system, and read through your business plan to assess whether it is realistic and viable. Applications that pass this stage successfully move forward to the loan facilitation process.
This is the stage where your business description does its real work. A clear and specific plan that shows you have actually thought through what you want to do gives the scrutiny team real confidence in your application. A vague or half-finished description does the opposite. There is nothing you can do at this stage except wait — so make sure the work you did in Step 3 was thorough enough that you can wait with confidence.
Once your application clears scrutiny HWDCL brings the participating bank or financial institution into the process. The bank runs its own standard verification — this is normal for any loan — and once everything checks out the loan amount lands directly in your Aadhaar-linked bank account.
The day that money arrives your three month moratorium begins. Do not let those three months go to waste. Set up your business properly, get your first customers, start generating income, and get yourself genuinely ready for when the repayments begin. Those three months are a gift — use them with intention.
When the moratorium ends your EMIs start. And from this moment forward one thing matters more than anything else in this entire scheme.
Pay every EMI on time. Every single one. Without exception. Without delay.
This is not just about avoiding a penalty. This is about something much more direct and personal to your finances. The 7 percent interest subsidy that makes this loan genuinely affordable — the benefit that saves you real money every single month — is not automatic. It is earned through consistent and timely repayment throughout the three year period. Every EMI you pay on time is one where HWDCL steps in and covers 7 percent of the interest for you. Every payment you delay or miss is a month where that subsidy disappears and you pay the full rate yourself. And once a month is gone it is gone.
Set a phone reminder a few days before your due date every single month. Keep the EMI amount sitting in your account before the due date arrives. Build the habit from your very first payment. Because the discipline you bring to your repayments is not just financial responsibility — it is the thing that keeps your loan cheap, your subsidy active, and your business finances healthy for the full three years.
Since the scheme gives you complete freedom here are some ideas that work well for women entrepreneurs in Haryana:
Tailoring and garment making, beauty parlour or bridal makeup studio, home-cooked food tiffin service, bakery or snacks making unit, pickle and papad making, food processing and packaging, handicrafts and embroidery, small stationery or general store, agricultural input supply shop, poultry or dairy unit, mushroom cultivation, yoga or fitness centre, private tutoring or coaching classes, candle or incense stick making, online reselling business, mobile repair shop, and many more.
The point is — you know what will work in your area better than anyone else. This scheme gives you the money. You bring the idea and the drive.
Make sure your PPP Family ID is updated with the correct income before applying. Confirm no family member is in a government job — this disqualifies the application. Be completely honest about any previous loans and defaulter status. Prepare a clear specific business plan before you go — it matters more than most people realise. The 7 percent interest subsidy only activates with timely repayment so build that habit from your very first EMI. Never pay large amounts to any agent or middleman for application help — always deal directly with HWDCL. And for any questions call 0172-2564720 or email hwdc1982@gmail.com.
Contact | Details |
Official Website | |
Implementing Body | Haryana Women Development Corporation HWDCL |
Department | Women and Child Development, Haryana |
HWDCL Helpline | 0172-2564720 |
HWDCL Email | hwdc1982@gmail.com / hwdc@hry.nic.in |
HWDCL Address | SCO-212, 2nd Floor, Sector 14, Panchkula |
It is a women's entrepreneurship scheme launched by the Haryana Government and implemented through the Haryana Women Development Corporation HWDCL. Eligible married women from families with annual income up to Rs. 5 lakh can get a collateral-free loan of up to Rs. 5 lakh to start their own business. HWDCL provides a 7 percent interest subsidy for three years on timely repayment and there is a three month moratorium period after loan disbursement before repayments begin.
Up to Rs. 5 lakh as a completely collateral-free loan from a participating financial institution. HWDCL covers 7 percent of the prevailing interest rate for three years provided all EMIs are paid on time. A three month moratorium after disbursement means no EMI pressure during the first three months of the business.
Married women who are permanent residents of Haryana between 18 and 60 years of age with annual family income up to Rs. 5 lakh as per PPP Family ID, no family member in government service, no loan default history, a valid PPP Family ID with the applicant's name, and an Aadhaar-linked bank account are eligible.
Yes absolutely and completely. You do not need to pledge any property, land, gold, or asset of any kind. HWDCL facilitates the loan through the financial institution without requiring the applicant to put up any security. This makes the scheme genuinely accessible to women who may not have significant assets in their own name.
HWDCL pays 7 percent of the prevailing interest rate charged by the bank on your loan for three years. This is conditional on you paying all your EMIs on time throughout that period. If the bank charges 12 percent per year HWDCL covers 7 percent and you effectively pay only 5 percent — making the monthly repayment significantly more manageable than a market rate loan.
Any legitimate enterprise or business of your choice. There is no approved list or restricted category. Tailoring, beauty parlour, food processing, retail shop, online business, poultry, dairy, coaching classes — whatever viable business you have in mind and the knowledge to run. The freedom to choose is entirely yours.