- Unnathi Scheme offers interest-free loans from Rs 30,000 to Rs 5 lakh to SC/ST women in DWCra groups in Andhra Pradesh.
- Loans come with insurance benefits and are aimed at supporting small businesses to boost economic growth.
- Eligible women can apply through village panchayats; loans are approved by banks with government backing.
Andhra Pradesh’s Unnathi Scheme is a great chance for women from Scheduled Caste and Scheduled Tribe communities who are part of DWCra groups. It offers interest-free loans from Rs 30,000 to Rs 5 lakh to help women start or grow their small and medium businesses. Besides financial help, the scheme also provides insurance coverage to keep beneficiaries safe. Here, you can find out about eligibility, loan benefits, how to apply, and the key role DWCra and the state government play in supporting women entrepreneurs.
Who Can Apply for the Unnathi Scheme?
This scheme mainly targets women in DWCra groups who belong to SC/ST communities in Andhra Pradesh. To qualify, you need to be part of a DWCra women self-help group and be involved in or planning income-generating activities or small businesses. Applications must be made through your local village panchayat, which helps keep the process clear and involves the community. This scheme is made to support those who need a financial boost to build lasting livelihoods.
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Loan Details and Benefits in the Unnathi Scheme
Eligible women can get interest-free loans between Rs 30,000 and Rs 5 lakh under the Unnathi Scheme. Earlier, loan limits were lower, but the government has recently increased the range to support bigger business plans. The scheme also includes insurance benefits to protect you and your family. If a borrower unfortunately passes away, the remaining loan is forgiven, which lowers risk for women entrepreneurs and their families.
How to Apply for the Unnathi Scheme
Applying for the Unnathi Scheme is simple. Start by contacting your village panchayat office to get the application forms. After filling them out and submitting, local officials along with DWCra representatives will check the details and business plans. Banks approve loans based on eligibility and assessments. Once your loan is approved, you receive the money without any interest charges. You will need to repay in monthly installments, which helps keep the support going for others.
The Role of DWCra and Government Support for Women Entrepreneurs
DWCra groups play an important role in the scheme by identifying women who qualify and helping them through the application and loan process. The Andhra Pradesh government supports these self-help groups strongly, encouraging financial independence through schemes like Unnathi. They have also started various awareness programs to inform women about the scheme’s benefits and steps. With ongoing support from DWCra and the state government, thousands of women are becoming financially stable and contributing to their communities.
| Feature | Details |
|---|---|
| Loan Amount | Rs 30,000 to Rs 5,00,000 (Interest-Free) |
| Eligibility | SC/ST women members of DWCra groups in Andhra Pradesh |
| How to Apply | Through Village Panchayats |
| Loan Repayment | Monthly payments as per bank rules |
| Insurance Benefit | Loan forgiven if borrower passes away |
| Official Website | https://wdcw.ap.gov.in/ |
With the Unnathi Scheme, women supported by DWCra groups and the Andhra Pradesh government can confidently plan their business ventures, improving family income and community welfare. If you are interested, get in touch with your local village panchayat to start your application and take a step towards financial independence today.