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We could not confirm it is still open

Nandini Sahakar (NCDC scheme for women cooperatives)

Funded, but no order confirms it is still open: NCDC compendium of schemes (Hindi, 2025-26) (undated, भाग क (ii) रा.स.वि.नि. के मुख्य उत्पाद, ख. नंदिनी सहकार (contents and pp.9–10))

Nandini Sahakar · National Cooperative Development Corporation (NCDC), Ministry of Cooperation · Central scheme, all states

NCDC loans for women’s cooperatives (or cooperatives with at least 50% women members) for any business activity except urban housing, with interest 2% below NCDC’s normal rate for new and innovative activities and 1% below for other activities, when repaid on time.

Cooperatives & farmer groupsLoans & interest help
Lead benefit
2%interest relief a year
Components
2each read from the document
Who can apply
1kinds of applicant
Closing date
Noneapply any time

What it pays

2%interest relief a year

For a new or innovative activity, the women’s cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, if repaid on time.

Read from NCDC compendium of schemes (Hindi, 2025-26) · clause ख. नंदिनी सहकार — ब्याज-दर · p. 9 · Our copy (PDF)
What the document says, word for word

Only for women’s cooperatives or cooperatives with at least 50% women members. Loans run 5–8 years with a 1–2 year moratorium on principal. Interest subvention or subsidy from other Government schemes may be combined with it (scheme document, p.6).

“ब्याज-दर : रा.स.वि.नि. परिपत्र के अनुसार समय-समय पर ब्याज दरों को संशोधित किया जाता है । समयानुसार पुनर्भुगतान के मामले में, नवीन एवं नवाचारी गतिविधियों हेतु आवधिक ऋण पर सामान्य ब्याज दर पर 2% ब्याज छूट सहायता प्रदान की जायेगी ।”
1%interest relief a year

For any other activity, the women’s cooperative’s NCDC term loan carries interest 1% a year below NCDC’s normal rate, if repaid on time.

Read from NCDC compendium of schemes (Hindi, 2025-26) · clause ख. नंदिनी सहकार — ब्याज-दर · p. 9 · Our copy (PDF)
What the document says, word for word
“नवीन एवं नवाचारी गतिविधियों को छोड़कर सभी गतिविधियों हेतु आवधिक ऋण पर सामान्य ब्याज दर पर 1% ब्याज छूट सहायता प्रदान की जायेगी ।”

How much can I claim?

This clause does not fund this applicant type (ख. नंदिनी सहकार — ब्याज-दर).

Read from NCDC compendium of schemes (Hindi, 2025-26) · clause ख. नंदिनी सहकार — ब्याज-दर · p. 9 · Our copy (PDF)

Only for women’s cooperatives or cooperatives with at least 50% women members. Loans run 5–8 years with a 1–2 year moratorium on principal. Interest subvention or subsidy from other Government schemes may be combined with it (scheme document, p.6).

Who can apply

  • Cooperative

Papers you need

  • Audited accounts of the society up to last year (audited by a chartered accountant if the government audit is not finished)
  • Security for the loan: a government or bank guarantee, fixed-deposit receipts, or a mortgage of the society's assets

How to apply

  1. Check the society is a registered women’s cooperative, or has at least 50% women among its primary members (p.9, पात्रता).
  2. Size the project to the society’s age: up to ₹1 crore if 3 months to 1 year old, up to ₹3 crore if 1–3 years, no limit beyond 3 years (p.9, table).
  3. Apply to NCDC directly (society’s share at least 30%, or 20% for new and innovative projects) or through the State Government (pp.9–10, वित्तपोषण पद्धति).
  4. Pay every instalment on time — the lower interest rate applies only then (p.9, ब्याज-दर).
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When to apply

The guidelines set no closing date.

Combining with other schemes

The documents do not say whether this can be combined with other schemes. Ask the implementing office before you count on both.

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