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Renu Suresh

Expert

Published on: Jul 30, 2026

Cent Kalyani Scheme

Central Bank of India has launched the Cent Kalyani Scheme. The primary objective of this Scheme is to motivate female entrepreneurs to initiate a new project or extend or modernise an existing unit. It is available for women employed in the rural areas and cottage industries, small, agriculture and allied activities, medium and micro enterprises (MSME), self-employed women, Government-sponsored programs and retail trade. Under this scheme, Central bank provides a loan to the women entrepreneurs. In this article, we will look at the Cent Kalyani Scheme in detail. Know more about the Best Time for Women Entrepreneurs to Start Business

Objective of the Cent Kalyani Scheme

The objective of the Cent Kalyani Scheme is to generate continuous and sustainable employment opportunities for women entrepreneurs.

Eligibility Criteria

The eligibility criteria for Cent Kalyani Scheme is explained in detail below;
  • Woman entrepreneurs, above 18 years of age
  • No income ceiling for assistance

Nature of Facility

The facility offered under the Cent Kalyani Scheme is described in detail below:
  • Overdraft
  • Cash credit working capital limit
  • Term loan
  • Non-Fund based limit (for Working capital as well as term loan)

Quantum Finance

The quantum finance provided under the Cent Kalyani Scheme is maximum Rs.1000 lakh.

Margin

As per the Cent Kalyani Scheme, the term loan is 25 %.

Rate of Interest for Cent Kalyani Scheme

The Interest rate for Cent Kalyani Scheme is explained in detail below:
  • For Loans Up to ten Lakhs: The concession in rate of interest will be MCLR (Marginal Cost of Funds based on the Lending Rate) with 0.25 % of Loan.
  • For Loans above tel Lakhs and Up to Rs. 100 Lakhs: The concession in rate of the interest would Marginal Cost of Funds based on Lending Rate ( MCLR ) with 0.50% of Loan
  • Additional Interest concession of 0.25% will provide if the account rated by External Agency.
For the term loan tenure premium (including moratorium) will be given here:
  • 1 year upto three years: 0.20 premiums
  • Three years upto 7 years: 0.40 premium

Processing Fee

For Cent Objective of Cent Kalyani Scheme, no need of collateral security or any guarantee of the third party on loan provided under the Cent Kalyani Scheme. Also, there is no fee for processing the loan.

Repayment Details

The repayment details of Cent Kalyani Scheme is given here: Working Capital: On demand Term Loan: Maximum seven years including moratorium period of 6 months to 1 year.

Security Details

  • Hypothecation of stock and receivables and all assets created of Bank’s fund
  • No collateral or third party guarantee is needed for this scheme
  • Necessarily to be covered under CGTMSE. CGTMSE coverage is applicable to units except for Retail trade (categorised as small services), educational/training Institutions and SHGs.

Documents Required

The documents required for the Cent Kalyani Scheme is listed as follows:
  • KYC norms have to be ensured, name changed after marriage will have to be kept in record
  • Balance sheet for the past two years along with estimated and projected balance sheets and other financial statements
  • Standard application form approved by IBA
  • Letter of hypothecation
  •  Letter of interest
  •  Letter of Continuity and Letter of Understanding by Borrower
  • DP Note
  • Disclosure of names of the borrower in case of default to be obtained

Quarterly Interest Deposit Calculator

Access the home page of Central Bank of India. Click on the Calculator option. Select ‘click here for calculator’ option. Image 1 Cent Kalyani Scheme Image 1 Cent Kalyani Scheme
  • Deposit Amount
  • Deposit Amount Option
  • Period of Deposit
  • Interest Rate
  • Quarterly Interest  
Image 2 Cent Kalyani Scheme Image 2 Cent Kalyani Scheme After providing the details, click on deposit amount or Quarterly income option. The details of the quarterly interest deposit will be displayed. Image 3 Cent Kalyani Scheme Image 3 Cent Kalyani Scheme

Cent Kalyani Scheme Application procedure

The entrepreneur needs to access the concerned branch of Central Bank of India. Submit an application for Cent Kalyani Scheme. Separate forms are available for startups depending on the loan type. We have here with attached an application for Cent Kalyani Scheme.
You can obtain the Cent Kalyani Application from the official website of Central Bank of India. From the home page of Central Bank of India, Click on the application forms. Image 4 Cent Kalyani Scheme Image 4 Cent Kalyani SchemeImage Select the application forms according to the loan type. You can download word pdf format of application. Image 5 Cent Kalyani Scheme Image 5 Cent Kalyani Scheme Provide all details in the hard copy of the application. Submit the application along with all documents to the concerned branch of Central Bank of India. On successful verification, the loan will be credited to the entrepreneur’s account.
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Frequently Asked Questions

Common questions about Cent Kalyani Scheme for Women Entrepreneurs.

The Cent Kalyani Scheme is an initiative launched by the Central Bank of India to provide financial assistance to women entrepreneurs. It aims to encourage and support women in starting new projects, expanding existing units, or modernizing their businesses in various sectors such as rural areas, cottage industries, small-scale industries, agriculture, and allied activities.
According to the eligibility criteria mentioned in the article, any woman entrepreneur above 18 years of age can apply for the Cent Kalyani Scheme. There is no income ceiling for availing the benefits of this scheme.
The Cent Kalyani Scheme provides various financial facilities to women entrepreneurs, including overdraft, cash credit working capital limit, term loans, and non-fund based limits (for both working capital and term loans).
The quantum of finance provided under the Cent Kalyani Scheme is a maximum of Rs. 1000 lakh (or 10 million rupees).
Yes, the Cent Kalyani Scheme offers concessions on interest rates. For loans up to Rs. 10 lakh, the concession is MCLR (Marginal Cost of Funds based on Lending Rate) with 0.25% of the loan amount. For loans above Rs. 10 lakh and up to Rs. 100 lakh, the concession is MCLR with 0.50% of the loan amount.
No, the Cent Kalyani Scheme does not require collateral security or a third-party guarantee for the loans provided under this scheme.
For working capital loans, the repayment is on-demand. For term loans, the maximum repayment tenure is seven years, including a moratorium period of 6 months to 1 year.
No, there is no processing fee for applying for the Cent Kalyani Scheme, as mentioned in the article.
The documents required for applying for the Cent Kalyani Scheme include KYC documents, balance sheets for the past two years, projected financial statements, standard application form, letter of hypothecation, letter of interest, letter of continuity, letter of understanding by the borrower, and DP note.
To apply for the Cent Kalyani Scheme, you need to visit the concerned branch of the Central Bank of India, obtain the application form (available on their website), fill it out with the required details and documents, and submit it to the branch for verification and loan processing.