UP Mahila Samarthya Yojana

In India, the female population is often overlooked and left behind in terms of financial stability and economic opportunities. To combat this issue, the Government of Uttar Pradesh (UP) has introduced the UP Mahila Samarthya Yojana to help create a safe and secure future for women in UP. The scheme promises to provide financial assistance for women in the form of loans, skill development courses, entrepreneurship-related activities and income-generating activities. In addition to these initiatives, the scheme also focuses on providing various benefits to those who are pregnant or lactating. In this article, we will discuss how this scheme can help empower women in UP and how it can be utilized by them to generate sustainable sources of income.

What is UP Mahila Samarthya Yojana?

The Uttar Pradesh Mahila Samarthya Yojana is a scheme aimed at empowering women in the state of Uttar Pradesh. The scheme provides for financial assistance to women for setting up their own business ventures. It also covers women who are already running their own business but need financial support for expansion or diversification. The scheme offers interest-free loans of up to Rs. 5 lakhs for a period of 5 years. It also provides for training and capacity building support to women entrepreneurs.

Objectives of the scheme

The Uttar Pradesh Mahila Samarthya Yojana is a scheme launched by the state government with the primary objective of ensuring financial inclusion of women in the state. Under the scheme, women will be provided with a debit card and an account in any of the participating banks. The account will be linked to their Aadhaar number and will have a monthly limit of Rs. 5,000. The scheme also aims to provide women with access to basic banking facilities and create awareness about financial matters among them.

Eligibility criteria

The eligibility criteria for the UP Mahila Samarthya Yojana are as follows:

1. The applicant must be a woman of 18 years of age or above.

2. She must be a resident of Uttar Pradesh.

3. She should belong to any of the following categories: SC/ST/OBC/Minority.

4. The annual income of her family should not exceed Rs. 2 lakhs from all sources.

Benefits of the scheme

The scheme has several benefits that have been designed to help women in Uttar Pradesh become financially independent and self-sufficient. Some of the key benefits of the scheme are as follows:

1. The scheme provides financial assistance of up to Rs. 1 lakh to women who are interested in starting their own business.

2. The scheme also provides training and support to women so that they can successfully start and run their businesses.

3. Women who benefit from the scheme will also get access to a special credit facility from banks, which will help them meet their financial needs.

4. The scheme is expected to create employment opportunities for women in Uttar Pradesh, which will further boost their economic independence.

Implementation of the scheme

The scheme will be implemented in all 75 districts of Uttar Pradesh. Each district will have a Mahila Samarthya Kendra (MSK). The MSKs will provide training to women in various skills and help them set up businesses. They will also provide financial assistance to women who want to start their own businesses. The scheme will be implemented in phases, with the first phase covering 25 districts.


The UP Mahila Samarthya Yojana is a commendable initiative by the government of Uttar Pradesh for empowering women in rural areas. It aims to improve their socio-economic condition and provides them with resources and skills that can help them become financially independent. With this scheme, the state government intends to create an environment where women are given equal access to education, employment opportunities and other welfare benefits. The UP Mahila Samarthya Yojana certainly has potential to make positive changes and uplift the lives of rural women in Uttar Pradesh.

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