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The Dena Shakti Scheme is aimed at providing affordable financing to women entrepreneurs involved in a wide range of activities. These activities include both Agriculture based and MSME enterprises.

Dena Bank is a public sector bank established with the aim of increasing economic opportunities for women and paving the way for their economic empowerment. The bank establishes a lending network for female entrepreneurs. Dena Shakti Scheme is a loan that can be used to meet working capital needs or to expand a company.

S.No.TypeLoan Details


Interest Rate

0.25% below base rates for women entrepreneurs who are majority stakeholders in the company


Loan Amount for Agriculture

Up to Rs. 20 Lakhs


Loan Amount for manufacturing, retail trader, or small enterprises (Direct and Indirect Finance)

Up to Rs. 20 Lakhs


Loan Amount for Retail Trader and micro-credit.

Up to Rs. 50,000 under micro-credit schemes.


Loan Tenure

Up to 7 years


Processing Fee

0.50% of the loan amount

List of activities covered under Dena Shakti Scheme

  • Agriculture & allied activities
  • Small Enterprises (Direct and Indirect Finance)
  • Micro and small (manufacturing) enterprises
  • Micro and small (service) enterprises which include small road and water transport operators, small business professional and self-employed and all other service enterprises
  • Retail Trade
  • Micro Credit
  • Education
  • Housing

Amount of Loan offered under Dena Shakti Scheme

The maximum loan amount available to women beneficiaries under this scheme will be determined by RBI directives for various sectors classified as priority sectors. It also contains the Bank's specific schemes that are regularly circulated to branches and offices.

Interest Rate on Dena Shakti Scheme

  • Interest will be charged in accordance with the bank's current guidelines and R.B.I.directives, as applicable to various Agricultural, SE, and OPS sectors.
  • The Bank will offer a discount/refund of 0.25% in the rate of interest to women beneficiaries, applicable to current activities, subject to certain conditions.

What is the eligibility criteria to get a loan under the Dena Shakti Scheme?

The Dena Shakti Scheme is open to female entrepreneurs who own more than 50% stake in an enterprise.

Documents required for Dena Shakti Scheme

  • Identity Proof: PAN Card, Aadhaar Card, Driving License, Voter ID Card, etc.
  • Address Proof: Aaadhar Card, Valid Passport, Utility bill, Property tax bill, etc.
  • Bank account details.
  • One passport size photo of the applicant.
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