Route · /scheme/sma
SMA
Swarnima
MaharashtraIndividualState/ UTNo start date
myScheme’s own wording, reproduced in full. Where it is thin, that is the finding, and the completeness checks are below.
What this is
The Swarnima Scheme provides loan assistance to female beneficiaries from Other Backward Classes (OBC) residing in Maharashtra to support self-employment activities, empowering them to establish a stable livelihood.
In detail
The scheme "Swarnima by the Department of Social Justice & Special Assistance, Government of Maharashtra, is jointly funded by the National Backward Classes Finance & Development Corporation, New Delhi, and the State Corporation. This scheme provides low-interest loans directly deposited into the bank accounts of female beneficiaries from Other Backward Classes (OBC) to support self-employment activities and enhance financial independence.
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Who qualifies
- The applicant should be from the Other Backward Class (OBC) category.
- The applicant should be a domicile of Maharashtra.
- The age of the applicant should be between 18 to 50 years.
- The annual income of the family of the applicant should be -
- Rural areas: Less than or equal to ₹98,000.
- Urban areas: Less than or equal to ₹1,20,000.
What you get
- Financial assistance of up to ₹5,00,000/- per Self-Help Group (SHG) project, with ₹25,000 allocated per beneficiary (up to 20 members per SHG).
- Funding shares include 95% from the Central Corporation and 5% from the State Corporation.
- No beneficiary contribution is required.
- Low interest rate of 5% per annum.
- Repayment period of up to 3 years to ease financial planning.
Listed by myScheme
Documentation completeness
6 of 9 checks passed
Checks are about the record,
not about the scheme.
not about the scheme.
✓
Eligibility published here352 characters
✓
Benefit amount published hereamount or quantity stated
✓
Description more than a name215 characters
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Implementing agency published herefield absent from the record
✓
How to apply published hereoffline mode declared, no URL needed
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Start date published herenot published
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End date published hereno end date recorded, so indefinite by omission
✓
Stored links well-formedall parse
✓
Not expired while still listedno end date
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Provenance
Every field above, and where it came from
| schemeName | Swarnima | myScheme · 2026-09-02 |
| schemeOpenDate | ... | not published at source |
| schemeCloseDate | ... | not published at source |
| nodalMinistryName | ... | myScheme · 2026-09-02 |
| dbtScheme | True | myScheme · 2026-09-02 |
| achievement data | ... | no source publishes this for any central scheme |