Rashmi
In ancient Indian history, women played a key role in society. However, over time, they faced many challenges, and their rights were restricted. Today, there is a growing movement to bring back gender equality. The Indian government has launched various schemes to empower women in education, employment, and financial independence. Now, let's explore some of the key women empowerment schemes in India.
1. Mudra Yojana
Under the Pradhan Mantri Mudra Yojana (PMMY), women entrepreneurs can get collateral-free loans up to ₹20 lakhs to start or expand their businesses. In Budget 2024-25, the government increased the budget for this scheme, aiming to support more women-led businesses.
2. Stand-Up India Scheme
This scheme provides loans between ₹10 lakhs to ₹1 crore for SC, ST, and women entrepreneurs. The loan covers up to 75% of the total project cost, making it easier for women to start their own ventures.
3. Lakhpati Didi Scheme
Aiming to make 2 crore women financially independent, this scheme helps women in Self-Help Groups (SHGs) build assets of ₹1 lakh or more through small businesses and entrepreneurship.
4. Drone Didi Scheme
This scheme trains 15,000 women from SHGs to become drone pilots. Women can use drones for tasks like delivering medicines, groceries, and mapping agricultural land, creating new employment opportunities.
5. Mahila E-Haat Scheme
This is an online marketplace where women can sell their handmade or small-scale products. It supports Make in India while helping women entrepreneurs reach more customers.
6. Ujjwala Yojana
Under Pradhan Mantri Ujjwala Yojana (PMUY), women from poor families get free LPG connections and subsidized gas cylinders, promoting clean cooking fuel and better health.
7. Mahila Samman Savings Certificate (MSSC) Scheme
This is a 2-year deposit scheme for women, offering an attractive 7.5% annual interest. Women can deposit up to ₹2 lakhs and earn secure returns.
8. Sukanya Samriddhi Yojana (SSY)
Launched under Beti Bachao, Beti Padhao, this scheme encourages parents to save for their daughter's future.
- Tenure: 15 years (extendable by 5 years)
- Maximum investment: ₹1.5 lakh per year
- Tax-free interest rate: 8.2% p.a.
- Use of funds: Higher education, marriage, etc.
9. PMAY - Women's Home Ownership
Under Pradhan Mantri Awas Yojana (PMAY), houses are allotted in the name of women, ensuring financial security and empowerment.
10. Women's Helpline (181)
A 24x7 toll-free helpline (181) provides emergency support to women facing violence or distress across all Indian states and union territories.
11. Mission Indradhanush
This scheme ensures complete immunization for pregnant women and children, improving maternal and child health across India.
12. Mahila Shakti Kendras
These centers provide skill training, digital literacy, and employment support for women, helping them gain financial independence.
13. STEP Initiative (Support to Training and Employment Programme)
This program provides skill training to women in various fields, helping them get jobs or start businesses.
14. TREAD Scheme (Trade Related Entrepreneurship Assistance)
This scheme helps women entrepreneurs by funding 30% of their business loan requirements (up to ₹30 lakhs), with the rest provided by banks through NGOs.
Women's empowerment is crucial for India's progress. These schemes provide financial support, education, business opportunities, and safety to help women lead independent lives. If more women take advantage of these programs, India will move closer to its goal of women-led development.
CAclubindia
