Cent Kalyani Scheme

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Despite the risks involved, the number of entrepreneurs continues to grow. In India, the informal sector employs 80 per cent of the population. This has resulted in a rise in service sector GDP from 37% in 1991 to 54% in 2021. As a result, the government and private sectors are establishing a number of measures to assist entrepreneurs, who in turn contribute to the country’s economy. The Cent Kalyani Scheme is one such scheme that empowers female businesses.

The Cent Kalyani plan is one of the programmes designed to empower and support women. It operates under the auspices of the Reserve Bank of India and provides financial assistance to women entrepreneurs attempting to make it in the world. The Cent Kalyani Scheme assists women entrepreneurs in overcoming all financial obstacles encountered while establishing their firms. Regardless of the size of the organisation, financial help is extended to all female entrepreneurs, assisting them with the required funds to get their firm off the ground.


  • The Cent Kalyani scheme’s principal goal is to give financial assistance to women entrepreneurs who own small or medium-sized enterprises.
  • It promotes women to create new enterprises or grow current ones.


The Cent Kalyani Initiative is aimed at women who own micro/small/medium companies. These might be new or existing businesses, as defined by the MSME Act of 2006. Women in the industrial and service industries can profit.

The Scheme includes women working as—

  • Daycare aides
  • Salon employees
  • Boutiques
  • Customization of services
  • Handloom weaving is a handcraft.
  • Others include the food processing sector, the clothing business, and the textile industry.
  • It can also help doctors, chartered accountants, teachers, engineers, and anyone with training in the arts and crafts.


  • To serve – One of the duties is to assist women in receiving government employment, subsidies, and benefits.
  • To identify – The next critical step is to identify women in desperate need. The programme aims to inspire women by financially assisting them in their aspirations.
  • To assist – The Cent Kalyani initiative intends to assist women in guiding their businesses from start-up to expansion.
  • Coordination – The Cent Kalyani plan strikes a balance between government and non-government groups in order to maximise benefits for beneficiaries.

How Can You Apply for the Cent Kalyani Scheme?

  • Application Form

First, you must obtain an online application form from the Central Bank of India’s official website.

  • Documentation required.

Prepare all of the essential paperwork to ensure a smooth application process. The forms must be correctly completed. Deposit the necessary paperwork and forms at the Central Bank of India’s closest branch.

The following is a list of documents that you will need:-

a) Proof of Identity

  • Aadhar card
  • Passport
  • Voter ID
  • KYC Documents
  • PAN card
  • Driving license

b) Proof of Residential Address

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

c) Income Proof

  • Profit and loss account statements
  • Balance Sheets
  • Other financial documents

          d) Business Proof

  • Letters of interest
  • Profile of enterprise
  • Guarantee Letter

Fee for Processing

There is no processing fee that must be paid in order for the loan to be granted. Do not fall into the temptation of spending money to receive permission sooner.

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