Not ₹10,000, Women Entrepreneurs in Bihar Can Get ₹10 Lakh Support — Only ₹5 Lakh Needs to Be Repaid

By Siddhi Jain | Sep 19, 2025, 14:38 IST

Ahead of the upcoming state elections, the Bihar government has rolled out several welfare schemes targeting women, youth, farmers, and the middle class. Among these initiatives, one of the most ambitious programs is designed especially for women aspiring to start their own businesses. Under the Mukhyamantri Mahila Udyami Yojana (Chief Minister Women Entrepreneur Scheme), eligible women can receive up to ₹10 lakh in financial assistance, of which ₹5 lakh will be waived off. The remaining ₹5 lakh must be repaid, but without any interest, making it a unique opportunity for aspiring female entrepreneurs in the state.

What is the Mukhyamantri Mahila Udyami Yojana?

The scheme is part of the broader Mukhyamantri Udyami Yojana that was launched to promote self-employment and tackle unemployment in Bihar. The women-specific version focuses on providing financial support, skill development, and guidance to help women establish their own enterprises.

Under this program, women can access up to ₹10 lakh in funding:

₹5 lakh (50%) is provided as a grant/subsidy by the government.
₹5 lakh must be repaid by the beneficiary, but no interest will be charged.

Additionally, the scheme covers around 58 categories of businesses, giving women the flexibility to choose the sector that best suits their skills and aspirations.

Objectives of the Scheme

The primary goals of the Mukhyamantri Mahila Udyami Yojana are:

To integrate unemployed women into the mainstream workforce.
To promote entrepreneurship among women and boost small-scale industries.
To strengthen women’s financial independence and reduce dependency.

Key Features

Financial Assistance: Up to ₹10 lakh to establish and operate a business.
Subsidy: Half of the loan (₹5 lakh) will be waived off.
Zero Interest: No interest will be charged on the repayable amount.
Skill Development Training: Beneficiaries will undergo training to enhance their entrepreneurial and management skills.

Eligibility Criteria

To apply for the scheme, applicants must:

Be a permanent resident of Bihar.
Be a woman aged between 18 and 50 years.
Have at least completed Class 12, ITI, or a Polytechnic diploma.
Apply for a business as either a proprietorship or partnership firm.
Note: The scheme is also open to transgender applicants.

Application Process

Step 1: Registration

Visit the official Bihar government portal and select the MMUY option under registration.
Enter your Aadhaar number and create a password.
Fill in the required details and submit the registration form.

Step 2: Application

Log in to the portal using your credentials.
Select Mukhyamantri Mahila Udyami Yojana from the dashboard.
Complete the online application form and submit.
Download and print the Acknowledgement Slip for future reference.

Required Documents

Applicants need to upload the following documents while applying:

Class 10 certificate (for proof of date of birth).
Class 12 certificate.
Permanent residence certificate.
Caste certificate (if applicable).
Disability certificate (if applicable).
Passport-sized photographs.

Selection and Fund Disbursement

Applications will be shortlisted district-wise, based on the population of women in each area.
A computerized selection system will prepare the list of beneficiaries.
Documents will be verified before final approval.
Funds are released in two installments:
- First installment after two weeks of training, credited directly into the applicant’s current account.
- Second installment within 30 days of receiving the first installment.

Loan Repayment Terms

Repayment of the ₹5 lakh component begins 12 months after receiving the final installment.
The repayment is done in easy EMIs, and since no interest is charged, the financial burden on women is minimal.

Why This Scheme Matters

The scheme is a major step toward empowering women in Bihar, enabling them to contribute to the economy through small and medium-scale businesses. It provides not only financial support but also training, ensuring that women are better equipped to run successful ventures.

With half of the loan amount being waived and no interest on the remaining sum, the program stands out as one of the most progressive initiatives aimed at women’s entrepreneurship in India