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Cent Kalyani Scheme - An Overview

Updated on September 24, 2023 , 16745 views

Both the government and private sectors are working towards developing the Economy by bringing financial assistance to entrepreneurs. One of the major initiatives is the Cent Kalyani Scheme for women entrepreneurs. The scheme aims at helping women establish their own businesses or expand the existing one.

Cent Kalyani Scheme

What is Cent Kalyani Scheme?

Cent Kalyani Scheme is a unique loan scheme from the Central Bank of India. It aims at financing women’s business dreams and helps them expand their business too. This means, women can apply for this scheme to fund their working Capital, purchasing machinery or equipment or other relevant business needs. Women from micro and small enterprises can avail this loan scheme.

Cent Kalyani Scheme- Loan Amount & Interest Rate

Under the Cent Kalyani Scheme, an applicant can avail a loan up to Rs. 100 lakhs along with a margin rate of 20%.

The base interest rate is 9.70%.

Cent Kalyani Scheme Loan Amount (INR) Interest Rate (%)
Rs. 10 lakhs 9.70% + 0.25% = 9.95%
Rs. 10 lakhs-100 lakhs 9.70% + 0.50% = 10.20

Purpose of Cent Kalyani Scheme

Listed below are the purpose of the scheme-

1. To Cater

One of the main objectives of Cent Kalyani Scheme is to cater women entrepreneurs and help them through various government priorities such as offer them jobs, loans, subsidies, etc.

2. To Identify

Another objective is to identify women with needs and encourage them by giving financial assistance to achieve their goals.

3. To Guide

One of the major motto objectives behind the scheme is to guide women with business expansion and other business needs.

4. To Co-ordinate

One of the main objectives is to coordinate with government and non-government organisations to help more women to gain benefits from the bank’s scheme.

Eligibility for Cent Kalyani Scheme

Women involved in the following trade deals can apply for this scheme:

  • Professionals (Doctors, Chartered Accountants, Architects, etc)
  • Self-employed (Catering services, canteen service, beauty parlour, boutiques, daycare centres, tailoring services, etc)

Documents Required for Cent Kalyani Scheme

Following are the documents to be submitted:

1. Identity Proof

2. Address Proof

  • Telephone bill
  • Property tax Receipt
  • Electricity bill
  • Voter’s ID card

3. Income Proof

  • Balance sheets
  • Profit and loss account
  • Other financial documents

4. Business Proof

  • Profile of business enterprise
  • Letters of Interest, understanding, continuity and hypothecation

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How to Apply for Cent Kalyani Scheme?

1. Download Form

Women applicants will have to download the form from the Central Bank of India’s website.

2. Relevant documents

Attach all the necessary documents along with the duly filled form. Submit it at the nearest Central Bank of India Branch.

Security Under Cent Kalyani Scheme

1. Stocks

Hypothecation of all stocks and Receivables and all other assets are created out of bank’s funds.

2. Collateral/Third party

The bank doesn’t require a Collateral or third party guarantor.


Necessarily to be covered under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). This coverage is applicable to units except for retail trade, educational/trading institutions and SGHs.

Cent Kalyani Scheme Customer Care

Cent Kalyani Scheme Customer Care Number: 1800 22 1911


The Cent Kalyani Scheme is a great scheme which allows women to borrow up to Rs. 100 lakh. However, the loan will be provided after careful scrutinisation of the applicant’s profile. Read all the scheme related documents carefully before applying for the loan.

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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