Government schemes for women in Tamil Nadu, after the new government

Also called Kalaignar Magalir Urimai Thogai, KMUT, Kalaignar Magalir Urimai Thittam, Magalir Urimai Thogai 1000, TN 1000 rupees scheme, Mahalir Urimai Thogai, magalir urimai thogai 2500

₹1,000 a month into the woman's bank account

A monthly ₹1,000 for the woman who heads a family, paid straight into her Aadhaar-linked bank account. Families earning below ₹2.5 lakh a year with limited land and power use qualify; families with a government employee, an income tax payer or a car do not.

Status

Checked 4 Oct 2026: still paying ₹1,000 a month to about 1.31 crore women under the new TVK government, now listed as 'Magalir Urimai Thittam' without 'Kalaignar' in the revised 2026-27 budget (₹14,414 crore); the promised ₹2,500 is not yet in force and no new application window has been announced.

Who can apply

• A woman aged 21 or above who is the head of the family: the woman named head on the ration card, or the wife of the male head; if she is not on the card, the family can choose another woman
• One woman per family (ration card)
• Family income below ₹2.5 lakh a year
• Family owns less than 5 acres of wet land or less than 10 acres of dry land
• Household uses less than 3,600 units of electricity a year
• Not eligible if anyone in the family: pays income tax or professional tax with income above ₹2.5 lakh; is a State or Union government, PSU, bank, board, local body or cooperative employee or pensioner; is an elected representative (except village panchayat ward members); owns a car, jeep, tractor or heavy vehicle; runs a business with GST turnover above ₹50 lakh
• Not eligible if the family already gets a regular social security pension such as old age or widow pension (families getting the Revenue department disability pension, or the maintenance grant for severely disabled persons, can apply)

Documents

• Aadhaar
• Ration card (family card)
• Bank account linked to Aadhaar

How to apply

1. New applications are not open as of 4 Oct 2026; wait for an official camp announcement
2. Check your application or payment status on kmut.tn.gov.in with your Aadhaar number and OTP
3. If rejected, appeal within 30 days of the rejection SMS, only through an e-Sevai centre, to the Revenue Divisional Officer

In person: e-Sevai centre or taluk office

Run by

Government of Tamil Nadu (Social Welfare and Women Empowerment; portal run by TNeGA, applications through e-Sevai centres)

The ₹2,500 is a promise, not yet in force: the Social Welfare Minister said on 5 Jul 2026 the hike is coming but gave no date, and the 5 Aug 2026 revised budget did not announce it. Anyone asking for money to 'register for ₹2,500' is a fraud.

Checked 4 October 2026 against Citizen's Budget 2026-27 (Revised Budget), Magalir Urimai Thogai scheme portal: FAQ, Interim Budget 2026-27, Budget Speech (17 Feb 2026), Urimai Thogai hike on cards; modalities being finalised: Minister K Jegadeshwari (5 Jul 2026), Vijay government's first Budget: tight on spending (5 Aug 2026)

Also called Vidiyal Payanam, Magalir Vidiyal Payanam, Kalaignar Magalir Vidiyal Payanam, Vetri Payanam Thittam, Vettri Payanam, free bus for women Tamil Nadu, pink bus

Free (zero fare) travel on Tamil Nadu government buses covered by the scheme

Women and transgender persons ride free on government town buses and, from 2 Oct 2026, on more bus types including Express, LSS and Deluxe city buses and ordinary Mofussil buses. No form or card is needed.

Status

Checked 4 Oct 2026: running; renamed from Vidiyal Payanam and widened on 2 Oct 2026 to Express, LSS and Deluxe buses in urban areas plus ordinary Mofussil and ghat buses, about 12,692 of 18,413 government buses.

Who can apply

• Any woman travelling on a covered government bus in Tamil Nadu
• Transgender persons
• Persons with disabilities above 40% and their escorts (as per the 2025-26 Transport policy note)
• No income limit and no limit on trips (as reported at the 2 Oct 2026 launch)

How to apply

1. No application needed
2. Board a covered government bus and take the zero-fare ticket from the conductor

In person: Not needed

Run by

Transport Department, Government of Tamil Nadu (State Transport Undertakings)

Private buses are not covered, and not every premium or AC service is included. The details of the 2 Oct 2026 expansion come from news reports; the government order was not found online yet.

Checked 4 October 2026 against Transport Department Policy Note 2025-26, chapter 4: Vidiyal Payanam, Citizen's Budget 2026-27 (Revised Budget), Interim Budget 2026-27, Budget Speech (17 Feb 2026), Vettri Payanam: CM Vijay launches the expanded free bus travel scheme (2 Oct 2026), 'Vetri Payanam Thittam': Tamil Nadu expands free bus travel for women (2 Oct 2026) · Official page to apply

Also called DWPS, Vidhavai Oyvoothiyam, widow pension Tamil Nadu, Aadharavatra Vidhavai Oyvoothiya Thittam

₹1,200 a month

A monthly pension of ₹1,200 for a widow with no means of support. It is for destitute widows aged 18 and above whose land or house is worth ₹1 lakh or less.

Status

Checked 4 Oct 2026: paying ₹1,200 a month (rate since August 2023); the revised 2026-27 budget keeps ₹5,475 crore for social security pensions. TVK's promise of ₹3,000 is not in force.

Who can apply

• A destitute widow
• Aged 18 or above
• Immovable property worth not more than ₹1,00,000 (a free house given by the government is not counted)

How to apply

1. Apply online or at an e-Sevai centre for the social security pension
2. The Taluk office verifies and sanctions the pension

In person: Taluk office (Social Security Scheme Tahsildar) or e-Sevai centre

Run by

Revenue and Disaster Management Department (Commissionerate of Revenue Administration), through Taluk offices

A family getting this pension cannot also get Magalir Urimai Thogai, per the KMUT FAQ, so the ₹1,200 pension is the better choice. The national widow pension (age 40 and above, below poverty line) is a separate scheme that also pays ₹1,200 in total.

Checked 4 October 2026 against Social Security Pension schemes: eligibility (Tamil), Social Security Pension schemes: amounts (Tamil), Citizen's Budget 2026-27 (Revised Budget) · Official page to apply

Also called DDWPS, deserted women pension, Kanavanal Kaividappatta Pengal Oyvoothiyam, divorced women pension Tamil Nadu

₹1,200 a month

A monthly pension of ₹1,200 for a woman with no support who is legally divorced, deserted by her husband for at least 5 years, or legally separated by a court.

Status

Checked 4 Oct 2026: paying ₹1,200 a month (rate since August 2023); the revised 2026-27 budget keeps ₹5,475 crore for social security pensions. TVK's promise of ₹3,000 is not in force.

Who can apply

• A destitute woman aged 30 or above
• Legally divorced, or deserted by her husband for not less than 5 years, or holding a legal separation certificate from a court
• Immovable property worth not more than ₹1,00,000 (a free house given by the government is not counted)

How to apply

1. Apply online or at an e-Sevai centre for the social security pension
2. Attach proof of divorce, desertion or court separation
3. The Taluk office verifies and sanctions the pension

In person: Taluk office (Social Security Scheme Tahsildar) or e-Sevai centre

Run by

Revenue and Disaster Management Department (Commissionerate of Revenue Administration), through Taluk offices

Checked 4 October 2026 against Social Security Pension schemes: eligibility (Tamil), Social Security Pension schemes: amounts (Tamil), Citizen's Budget 2026-27 (Revised Budget) · Official page to apply

Also called UWP, unmarried women pension Tamil Nadu, Thirumanamaagadha Ezhai Pengal Oyvoothiyam

₹1,200 a month

A monthly pension of ₹1,200 for a poor woman who never married, is 50 or older and has no support.

Status

Checked 4 Oct 2026: paying ₹1,200 a month (rate since August 2023); the revised 2026-27 budget keeps ₹5,475 crore for social security pensions. TVK's promise of ₹3,000 is not in force.

Who can apply

• A destitute unmarried woman
• Aged 50 or above
• Immovable property worth not more than ₹1,00,000 (a free house given by the government is not counted)

How to apply

1. Apply online or at an e-Sevai centre for the social security pension
2. The Taluk office verifies and sanctions the pension

In person: Taluk office (Social Security Scheme Tahsildar) or e-Sevai centre

Run by

Revenue and Disaster Management Department (Commissionerate of Revenue Administration), through Taluk offices

Checked 4 October 2026 against Social Security Pension schemes: eligibility (Tamil), Social Security Pension schemes: amounts (Tamil), Citizen's Budget 2026-27 (Revised Budget) · Official page to apply

Also called unemployment allowance Tamil Nadu, Velaiyillaa Pattathaarigal Udhavi Thogai, Velaivaaippu udhavi thogai, TN unemployment assistance apply

₹200 to ₹600 a month for 3 years (₹600 to ₹1,000 a month for 10 years for persons with disabilities)

A small monthly allowance for job seekers who have waited 5 years or more on the employment exchange register without a job. It is ₹200 if SSLC failed, ₹300 for SSLC pass, ₹400 for HSC and ₹600 for graduates.

Status

Checked 4 Oct 2026: running at the old rates on the Department of Employment and Training site; TVK's promise of ₹4,000 for graduates and ₹2,500 for diploma holders was not announced in the 5 Aug 2026 revised budget.

Who can apply

• Registered with a District Employment and Career Guidance Centre and on the live register for 5 years or more
• Family income up to ₹72,000 a year
• Age up to 40 (up to 45 for SC/ST)
• Paid for 3 years, credited every quarter
• Persons with disabilities: 1 year on the register, no income or age limit, paid for 10 years at ₹600 (up to SSLC), ₹750 (HSC) or ₹1,000 (graduates)

How to apply

1. Keep your employment registration renewed so your seniority is not broken
2. After 5 years on the register, apply at your District Employment and Career Guidance Centre
3. The money is credited to your bank account every quarter

In person: District Employment and Career Guidance Centre

Run by

Department of Employment and Training, Labour Welfare and Skill Development Department

The amounts are small and have not changed for years. You need 5 unbroken years on the register first, so register early even if you do not need it now.

Checked 4 October 2026 against Department of Employment and Training: Schemes, Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026) · Official page to apply

Also called employment exchange registration Tamil Nadu, Velaivaaippu Aluvalagam, tnvelaivaaippu.gov.in, employment office renewal, study circle free coaching

Free registration for government job sponsorship, free coaching for TNPSC, TNUSRB, TET, SSC, IBPS and RRB exams, job fairs and a free private job portal

Registering with the employment office puts you on the list for government job sponsorship and starts your seniority, which you later need for unemployment assistance. District centres also run free coaching, mock tests and private job fairs.

Status

Checked 4 Oct 2026: registration and renewal are online; the revised 2026-27 budget extends the free coaching at all district centres to SSC, RRB and IBPS exams (₹3.38 crore).

Who can apply

• Any job seeker living in Tamil Nadu
• Coaching classes and job fairs are free

How to apply

1. Register online on tnvelaivaaippu.gov.in with your education details
2. Renew the registration on time so you do not lose seniority
3. Join the free coaching at your district centre's study circle
4. For private jobs, also register on tnprivatejobs.tn.gov.in

In person: District Employment and Career Guidance Centre

Run by

Department of Employment and Training, Labour Welfare and Skill Development Department

Checked 4 October 2026 against Department of Employment and Training: Schemes, Department of Employment and Training: Activities, Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026) · Official page to apply

Also called PM Internship Yojana, PMIS 9000 stipend, pminternship

₹9,000 a month (minimum, subject to attendance) plus a one-time joining grant of ₹6,000

A paid internship in a large company for young people aged 18 to 25 who are not in a full-time job. Since April 2026 final-year undergraduate and postgraduate students can also apply with a college NOC.

Status

Round 3 of the pilot is running in 2026 with companies posting internships on an ongoing basis (PIB, 22 Apr and 21 May 2026). Checked 1 Oct 2026.

Who can apply

• Indian youth aged 18 to 25 years
• Not in full-time employment
• Final-year UG and PG students may apply with a No Objection Certificate from their institution
• Applicants must meet the other existing eligibility criteria of the scheme

Documents

• Aadhaar
• Aadhaar-linked bank account
• College NOC (final-year students only)

How to apply

1. Register on the PMIS portal or app with Aadhaar
2. Fill your profile and pick internships
3. Accept an offer if selected

In person: Helpline 1800 11 6090

Run by

Ministry of Corporate Affairs

Still a pilot. The 2024 pilot rules excluded anyone whose family member earned over ₹8 lakh a year, had a government job, or who held degrees such as CA, MBA, MBBS or from IITs and IIMs; check the current rules on the portal.

Checked 1 October 2026 against MCA expands eligibility of PMIS to final-year students (22 Apr 2026), PMIS: MY Bharat awareness campaign, ₹9,000 plus ₹6,000 joining grant (21 May 2026), A Pathway to Professional Growth: PM's Internship Scheme (pilot rules, Oct 2024) · Official page to apply

Also called NCS job portal, Jobs for Women, employment exchange online, ncs.gov.in

Free job search, job fairs, career counselling and a 'Jobs for Women' section

The government's free job portal for private and government jobs, job fairs and career guidance. It has a 'Jobs for Women' link on the home page and connects to e-Shram and Skill India.

Status

Running in 2026; over 6.02 crore jobseekers and 8.17 crore vacancies as of 20 Nov 2025 (PIB, 4 Dec 2025). Checked 1 Oct 2026.

Who can apply

• Any jobseeker in India

How to apply

1. Open ncs.gov.in and sign up as a Jobseeker
2. Complete your profile and open 'Jobs for Women' or search jobs
3. e-Shram card holders can register using their UAN

In person: District Employment Exchange / Model Career Centre

Run by

Ministry of Labour and Employment (Directorate General of Employment)

NCS never charges a fee at any stage. Anyone asking for money in NCS's name is a fraud. Many listings are low-paid, so check the employer.

Checked 1 October 2026 against National Career Service home page ('Jobs for Women', 'NCS services are free of cost'), Over 6 crore jobseekers registered on NCS (4 Dec 2025) · Official page to apply

Also called eShram, e Shram card, shramik card, UAN card

Free e-Shram card with a Universal Account Number (UAN) that links you to 14 central welfare schemes, NCS jobs, Skill India and the PM-SYM pension (₹3,000 a month from age 60 if you join between 18 and 40)

A free ID card for informal workers such as domestic workers, home-based workers, farm labourers and vendors. It does not pay money by itself, but makes it easier to reach insurance, pension, housing and job schemes.

Status

Registration open and free; over 31.48 crore workers registered by 26 Jan 2026 (PIB, 2 Feb 2026). Checked 1 Oct 2026.

Who can apply

• Unorganised workers aged 16 to 59: home-based, self-employed or wage workers in the unorganised sector
• Not a member of EPFO or ESIC

Documents

• Aadhaar number
• Aadhaar-linked mobile number (or biometric at a CSC)

How to apply

1. Self-register on eshram.gov.in or the e-Shram app with Aadhaar and OTP
2. Or go to a Common Service Centre (it must not charge you)
3. Download the card and use the One-Stop-Solution page to see linked schemes

In person: Common Service Centre (CSC) or State Sewa Kendra

Run by

Ministry of Labour and Employment

The card has no cash benefit of its own; messages promising money 'on your e-Shram card' are not from the government. Registration is totally free.

Checked 1 October 2026 against e-SHRAM cards for unorganised workers (2 Feb 2026), e-Shram FAQs (age 16 to 59, free registration), Benefits under e-Shram card (PM-SYM pension) · Official page to apply

Also called Naan Mudhalvan skill training, naanmudhalvan.tn.gov.in, TN Skill, Niral Thiruvizha

Free skill courses, certificates, internships and competitive exam coaching for college students

A free skilling platform for students in Tamil Nadu colleges, polytechnics and ITIs: industry courses, internships, campus hiring and coaching for UPSC and other exams.

Status

Checked 4 Oct 2026: the Naan Mudhalvan portal is live and taking 2026 registrations for its competitive exam programmes under the new government.

Who can apply

• Students studying in colleges, polytechnics and ITIs in Tamil Nadu

How to apply

1. Register through your college on the Naan Mudhalvan portal
2. Choose courses and track your certificates on the portal

In person: Your college's Naan Mudhalvan coordinator

Run by

Tamil Nadu Skill Development Corporation (TNSDC), Special Programme Implementation Department

Checked 4 October 2026 against Naan Mudhalvan portal, Interim Budget 2026-27, Budget Speech (17 Feb 2026) · Official page to apply

Also called Vetri Skill Training Scheme, VTPT, Vetri Nichayam, TNSDC free training for unemployed, Vettri Thiran Payirchi

Free industry skill training with placement support; internship trainees get a monthly stipend

Free job-oriented training for unemployed young people in Tamil Nadu, including graduates, diploma and ITI holders and school dropouts, with help to get placed. Youth from families without a permanent job get priority.

Status

Checked 4 Oct 2026: announced in the 5 Aug 2026 revised budget (₹150 crore; 1 lakh unemployed youth and 12 lakh college students this year); TNSDC is empanelling training partners for 2026-27 and candidates register on TN Skill.

Who can apply

• Unemployed youth of Tamil Nadu, typically aged 18 to 35
• Graduates, ITI and diploma holders, and school dropouts
• Resident of Tamil Nadu with valid residence proof
• Aadhaar-linked bank account

Documents

• Aadhaar
• Aadhaar-linked bank account
• Residence proof

How to apply

1. Register as a job seeker on the TN Skill portal
2. Pick a course from a listed training partner
3. Attend, pass the assessment and get placement support

In person: District Employment and Career Guidance Centre (skill camp on Mondays) or TNSDC

Run by

Tamil Nadu Skill Development Corporation (TNSDC)

The internship stipend amount has not been published.

Checked 4 October 2026 against Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026), EOI: Vettri Thiran Payirchi Thittam (unemployed) 2026-27, Vetri Nichayam / VTPT · Official page to apply

Also called Magalir Thittam, Mahalir Suya Udhavi Kuzhu, SHG loan Tamil Nadu, TNCDW, Tamil Nadu Corporation for Development of Women, TNSRLM

Group savings, revolving fund and bank loans through the self-help group, plus training and help selling products

Poor women aged 18 to 60 from the same area form a group of 12 to 20, save together and, after about 6 months and a grading, get bank loans for the group and for small businesses. TNCDW also trains members and helps market SHG products.

Status

Checked 4 Oct 2026: running; the revised 2026-27 budget sets a ₹38,000 crore bank loan target for SHGs this year and says loan and subsidy sanction for SHGs will be fully computerised.

Who can apply

• Women aged 18 to 60
• Living in the same area
• Groups of 12 to 20 poor (BPL) women
• Bank loans after about 6 months of regular meetings and savings and a credit rating

How to apply

1. Contact the block Mahalir Thittam office or your village or area federation to join or form a group
2. Meet and save regularly for 6 months
3. Get graded and linked to a bank loan

In person: Block or district Mahalir Thittam (TNCDW) office

Run by

Tamil Nadu Corporation for Development of Women (TNCDW), Rural Development and Panchayat Raj Department

Checked 4 October 2026 against SHG structure (about SHG), Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026), Interim Budget 2026-27, Budget Speech (17 Feb 2026) · Official page to apply

Also called Singappenngal scheme, SHG enterprise ₹5 lakh subsidy, Singapenn SHG scheme

Investment subsidy of ₹5 lakh for each SHG enterprise that shows sustained business performance

A new scheme to grow well-run women's self-help groups into small enterprises, with a ₹5 lakh investment subsidy for each SHG enterprise that performs well.

Status

Checked 4 Oct 2026: announced in the 5 Aug 2026 revised budget; no guidelines or application process published yet.

Who can apply

• Women's self-help group enterprises with sustained business performance (detailed rules not yet published)

How to apply

1. Not open yet; ask your block Mahalir Thittam office for the guidelines

In person: Block Mahalir Thittam (TNCDW) office

Run by

Rural Development and Panchayat Raj Department (TNCDW)

TVK promised interest-free loans of up to ₹5 lakh for women's groups; the budget gives this subsidy instead, and interest-free loans were not announced.

Checked 4 October 2026 against Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026), Citizen's Budget 2026-27 (Revised Budget)

Also called UYEGP Tamil Nadu, unemployed youth loan Tamil Nadu, DIC loan

Bank loan for a trading or business project up to ₹15 lakh, with a 25% subsidy up to ₹3.75 lakh

A bank loan with a 25% government subsidy to start a small trading or business unit. Women are a special category: age limit 55 instead of 45, and only 5% own contribution.

Status

Checked 4 Oct 2026: open all year online; the official dashboard shows 2026-27 applications being received and subsidy being released.

Who can apply

• Minimum 8th standard pass
• Age 18 to 55 for women and other special categories (18 to 45 for other men)
• Family income below the official limit (the official pages say both ₹5 lakh and ₹8 lakh; see notes)
• Resident of the area of application for at least 3 years
• Only trading or business projects, project cost up to ₹15 lakh
• Own contribution 5% for special categories including women, 10% for general

How to apply

1. Apply online on msmeonline.tn.gov.in/uyegp
2. Upload documents and a project report
3. District task force interview, then the bank sanctions the loan
4. Finish the entrepreneurship training; the subsidy is released to the bank

In person: District Industries Centre

Run by

Micro, Small and Medium Enterprises Department (District Industries Centres)

Manufacturing and service projects are sent to the central PMEGP scheme instead. The official dashboard shows about 108 days on average for subsidy approval.

Checked 4 October 2026 against About UYEGP, UYEGP: Check your eligibility · Official page to apply

Also called NEEDS Tamil Nadu, first generation entrepreneur loan, NEEDS subsidy

Loan for a manufacturing or service project of ₹10 lakh to ₹5 crore, with a 25% subsidy up to ₹75 lakh and 3% interest subvention

Support for educated first-generation entrepreneurs to start a bigger manufacturing or service unit, with a 25% capital subsidy and 3% interest help for the whole loan period. Women get a higher age limit and pay only 5% own contribution.

Status

Checked 4 Oct 2026: open all year online; the official dashboard shows 2026-27 applications being received and subsidy being released.

Who can apply

• First-generation entrepreneurs
• Passed Higher Secondary (+2), or a degree, diploma, ITI or vocational training
• Age 21 to 45 (up to 55 for women and other special categories)
• Manufacturing or service projects costing ₹10 lakh to ₹5 crore
• Own contribution 5% for special categories including women, 10% for general

How to apply

1. Apply online on msmeonline.tn.gov.in/needs
2. Selection by the district task force
3. Finish the entrepreneurship development training
4. Loan from TIIC, a commercial bank or a TAICO bank, with the subsidy

In person: District Industries Centre

Run by

Micro, Small and Medium Enterprises Department (District Industries Centres)

Checked 4 October 2026 against About NEEDS, NEEDS dashboard · Official page to apply

Also called TWEES, women entrepreneur subsidy Tamil Nadu, Pengal Thozhil Munaivor Thittam

Bank loan for any small business up to ₹10 lakh, with a 25% subsidy up to ₹2 lakh

A women-only business loan with a 25% capital subsidy for manufacturing, trading or service units up to ₹10 lakh. No education or income limit; widows, destitute widows, SC/ST, disabled and BPL women get priority.

Status

Checked 4 Oct 2026: open online (G.O. Ms. No. 51, MSME, 25 Aug 2025); the revised 2026-27 budget gives it ₹225 crore and the dashboard shows over 10,000 applications this year.

Who can apply

• Women or transgender entrepreneurs
• Age 18 to 55
• Tamil Nadu resident with a family ration card
• No minimum education and no income limit
• Project cost up to ₹10 lakh (manufacturing, trading or service)
• Own contribution 5%
• Only one member per family
• Priority: SC/ST, transgender persons, persons with disabilities, widows and destitute widows, women from BPL families

Documents

• Aadhaar
• Ration card
• Project report
• Community certificate
• Vendor quotation with GST number
• Passport size colour photo
• Bank passbook
• Special category certificate (widow, destitute widow, BPL, disability, transgender) if claimed
• Affidavit on ₹20 non-judicial stamp paper at loan sanction

How to apply

1. Apply online on msmeonline.tn.gov.in/twees
2. Upload the documents
3. Selection, then the bank sanctions the loan
4. Finish the entrepreneurship training; the subsidy goes to the bank

In person: District Industries Centre

Run by

Micro, Small and Medium Enterprises Department (District Industries Centres)

There is no interest subsidy under this scheme. Women already helped under Kalaignar Kaivinai Thittam can take a top-up loan here.

Checked 4 October 2026 against About TWEES, TWEES eligibility, TWEES documents, Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026) · Official page to apply

Also called AABCS, Annal Ambedkar scheme, SC ST business subsidy Tamil Nadu

35% capital subsidy up to ₹1.5 crore plus 6% interest subvention

A large business subsidy only for SC and ST entrepreneurs, women and men, for new units or expansion, including trading projects above the UYEGP limit.

Status

Checked 4 Oct 2026: open online; the revised 2026-27 budget allocates ₹165 crore and the dashboard shows 2026-27 sanctions.

Who can apply

• Enterprise wholly owned by SC/ST persons
• Age up to 55
• No minimum education
• New enterprises and expansion of existing ones

How to apply

1. Apply online on msmeonline.tn.gov.in/aabcs
2. Selection and entrepreneurship training
3. Bank loan with upfront interest subvention; subsidy as per the rules

In person: District Industries Centre

Run by

Micro, Small and Medium Enterprises Department (with the Social Justice Department)

Checked 4 October 2026 against About AABCS, Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026) · Official page to apply

Also called free goats for widows Tamil Nadu, Vetri Magalir Aadu Valarppu, goat scheme women 2026

Five goats or sheep, free of cost

Five goats or sheep given free to destitute widows, deserted women, transgender persons and persons with disabilities living in villages, so they can earn from rearing them.

Status

Checked 4 Oct 2026: announced in the 5 Aug 2026 revised budget (₹110 crore, about 30,000 people this year); selection rules not yet published.

Who can apply

• Destitute widows, deserted women, transgender persons or persons with disabilities
• Living in rural areas

How to apply

1. Not open yet; watch for the government order and ask at the nearest veterinary dispensary or Block office

In person: Veterinary dispensary or Block Development Office

Run by

Animal Husbandry, Dairying, Fisheries and Fishermen Welfare Department

Checked 4 October 2026 against Revised Budget Estimates 2026-27, Budget Speech (5 Aug 2026), Citizen's Budget 2026-27 (Revised Budget)

Also called Mudra loan, PM Mudra, Shishu Kishor Tarun loan, Tarun Plus

Business loan without collateral up to ₹20 lakh: Shishu up to ₹50,000, Kishor ₹50,000 to ₹5 lakh, Tarun ₹5 lakh to ₹10 lakh, Tarun Plus ₹10 lakh to ₹20 lakh

A loan from a bank or other lender to start or grow a small non-farm business, with no property needed as security. It is open to men and women; about 60% of Mudra loan accounts in 2024-25 belonged to women.

Status

Running in 2026: PIB reported loans disbursed to 27 March 2026 and the scheme completed 11 years on 8 April 2026. Checked 1 Oct 2026.

Who can apply

• Non-corporate, non-farm micro and small enterprises in manufacturing, trading, services and activities allied to agriculture
• Shishu loans are open to new entrepreneurs with no credit history or collateral
• Tarun Plus (₹10 lakh to ₹20 lakh) is only for borrowers who took and fully repaid a Tarun loan

How to apply

1. Go to any bank branch, small finance bank, NBFC or microfinance lender, or apply online on the JanSamarth portal
2. Ask for a loan under PMMY and choose the category that fits the amount
3. Never pay an agent or a 'processing fee' to anyone outside the lender: MUDRA Ltd does not give loans directly

In person: Any bank branch or registered NBFC / microfinance lender

Run by

Department of Financial Services, Ministry of Finance (through banks, NBFCs and MFIs; MUDRA Ltd refinances)

MUDRA Ltd itself never lends to individuals. PIB Fact Check has flagged fake 'Mudra loan approval letters' asking for fees almost every month from 2024 to September 2026. The loan must be repaid with the bank's normal interest; there is no subsidy.

Checked 1 October 2026 against 11 Years of Pradhan Mantri MUDRA Yojana (8 Apr 2026), PMMY loan limit raised to ₹20 lakh (Tarun Plus), PIB Fact Check: fake website onlinemudraindia.co.in (19 Mar 2026), Mudra FAQ · Official page to apply

Also called PMEGP loan, KVIC loan subsidy, margin money subsidy

Subsidy of 25% to 35% of the project cost on a bank loan for a new unit (women: 35% in villages, 25% in towns); project cost up to ₹50 lakh (manufacturing) or ₹20 lakh (service)

Helps a person start a new small factory or service unit outside farming. The bank gives the loan and the government pays part of the project cost as a one-time subsidy. Women count as a special category, so they get the higher subsidy and put in only 5% of their own money.

Status

Portal open and scheme active in 2026 (PIB, 12 Mar 2026). Its last Cabinet approval ran to 2025-26; a formal 2026-27 extension notice was not found. Checked 1 Oct 2026.

Who can apply

• Any individual above 18 years of age
• No income ceiling
• At least VIII standard pass for projects above ₹10 lakh in manufacturing or above ₹5 lakh in business/service
• Only one person per family (self, spouse, unmarried children)
• Existing units, and units that already took a government subsidy under another scheme, are not eligible
• Projects without capital expenditure are not eligible

Documents

• Aadhaar

How to apply

1. Apply online on the PMEGP portal (New Application)
2. Pick KVIC, KVIB or DIC as the agency and choose a bank
3. Complete the short EDP training (not needed for projects up to ₹2 lakh)
4. The bank sanctions the loan and the subsidy is routed through the bank

In person: District Industries Centre (DIC) or KVIC / KVIB office

Run by

Ministry of MSME (KVIC, State KVIBs and District Industries Centres)

It is a subsidy on a bank loan, not a grant: you must get a bank loan and put in 5% (special category) or 10% (general) yourself.

Checked 1 October 2026 against PMEGP FAQ (eligibility), Prime Minister's Employment Generation Programme (subsidy rates, women as special category), Initiatives to strengthen rural and semi-urban MSMEs (12 Mar 2026), Continuation of PMEGP 2021-22 to 2025-26 · Official page to apply

Also called Lakhpati Didi Yojana, Aajeevika, NRLM SHG loan, self help group

Through your self-help group: a Revolving Fund of about ₹20,000 to ₹30,000 per group, up to ₹2.5 lakh per group from the Community Investment Fund, bank loans with interest subvention (loans up to ₹3 lakh at 7%), a ₹5,000 Jan-Dhan overdraft, and free livelihood and enterprise training

Rural women join a self-help group (SHG) of neighbours, save together and get group funds, cheap bank loans and training to build a business or farm income. A 'Lakhpati Didi' is an SHG member whose household earns over ₹1 lakh a year.

Status

Active in 2026: over 3 crore Lakhpati Didis reached; target doubled to 6 crore by March 2029 (PIB, 13 Feb 2026). Checked 1 Oct 2026.

Who can apply

• Rural women who join a DAY-NRLM self-help group
• To be picked as a potential Lakhpati Didi: SHG member for at least two years, has used the Community Investment Fund, and runs at least two livelihood activities

How to apply

1. Ask the village SHG, Village Organisation or Community Resource Person to join a group
2. Save regularly in the group and keep records
3. Ask the block mission office about training and loans for your activity

In person: Block office of the State Rural Livelihoods Mission, or the Gram Panchayat

Run by

Ministry of Rural Development

There is no direct cash payment to become a Lakhpati Didi. Money comes as group funds and loans that must be repaid. Interest subvention rates vary by district.

Checked 1 October 2026 against How do I become a Lakhpati Didi, Financial Assistance, Doubling of target of Lakhpati Didis to 6 crore (13 Feb 2026), National Campaign on Entrepreneurship: EDP training for 50 lakh SHG members (14 Jan 2026) · Official page to apply