AAI Karj Yojana Apply Online 2026 Maharashtra, Eligibility

We all know that there are so many women who wants to start the business and wants to contribute financially for their families. But due to Lack of Money they are unable to do and sometime family also not supported to the women. So now For That Reason State Government of the Maharashtra implement new loan scheme for the women with the name of AAI Karj Yojana 2026. Under this scheme the women of the state of Maharashtra will get the loan which is upto Rs.15 Lakhs to start or expand their already running business.

If you are also the women and belongs to the Maharashtra state and having the dream to become the business women, then you must have to provide you attention toward this article. Today in this article I am going to share the women eligibility Criteria to Get Loan, Documents Required to apply for Loan, Interest Rates over the same Loan, How to apply or application process and the list of the business which you can start after approving the loan. So start reading the details of the scheme.

AAI Karj Yojana

To make women empowerment and encourage the women to start their own business, the government started this AAI Karj Yojana or AAI Loan Scheme for them. Women can started the small business like Home Industries, Grocery Shops, Foor processing Business, can also start a Beauty Parlor and Tailoring shop etc. Now like the men, women can also having so many good ideas to generate the income for their family after running business but in our society there are only few people available who support the women for business.

Government of the Maharashtra come in support of the women and started this loan scheme in favour of women. The scheme is announced with the name of “ Maharashtra AAI Karj Yojana”. In this scheme government provide the financial support in shape of loan which are started from Rs.50,000 to Rs.5 Lakhs. The amount can only be use for the business purpose.

Maharashtra AAI Loan Scheme

Motive of AAI Karj Yojana

The government supports the women and take the step towards the women empowerment program. And government providing loan in this scheme encourage them to start business of their choice and then they all can become the self dependant and economically independent. And the good news about this scheme is that after taking the loan, women only have to pay the principal amount of the loan and interest will be paid by the government on behalf of the beneficiaries to the bank.

Feature of Scheme

• Limit of Karj: The loan which is disbursed in this scheme is started from Rs.50,000 to upto Rs.15 Lakhs.
• Interest Rate: This is interest free Loan scheme. Beneficiaries only have to pay the regular instalment of the principal amount and loan paid by the government.

Eligibility Criteria AAI Karj Yojana

• Only the Female or women of the state of Maharashtra will be eligible to get the benefits of the loan.
• If you wants to start the business in Tourism related sector then you should be registered as Entrepreneurs.
• The age of the applicant women must be 18 years to 60 years.
• Every women who wants to start the business will have the business plan to start and expand plan of their already running business.
• Every beneficiaries women should having active bank account in their name.
• You also need to meet with loan eligibility as per the rules of the Bank.
• At the time of the apply all the documents should be prepared in the name of the women.

Documents List required for AAi Loan Scheme

So submit all the documents with the form while applying for this scheme. Check the list of documents required for the scheme.

• Women Aadhaar Card to verify the identification.
• PAN Card
• Maharashtra Residence proof documents.
• Category certificate if required.
• Bank passbook details must be active.
• Valid mobile number.
• Photograph in passport size.
• Business Plan
• GST registration if available.
• Shop Licence if available.

Steps For Aai Karj Yojana Maharashtra Apply Online

• It is also important to register on the official portal of the scheme with AAI i.e. maharashtratourism.gov.in
• You can check the application form on the Maharashtra Tourism website.
• Every eligible woman, after check the eligibility criteria as given above, need to contact their Nationalised Bank and then need to collect the application form from the DIC (District Industries Centre) or Women economic Development Corporation Office.
• After collecting the form you need to fill the form and then attached all the documents. The documents listed above.
• Completing all the formalities need to submit your application form with documents.
• Now your application form along with documents went for verification and same are verified by the concerned Bank and the Department.
• If after completing the verification, your application approved, then the loan amount will be disbursed directly in your bank account.

How to Pay Back a Loan and Interest Rate?

AS we all know that this Maharashtra Government did not provide the direct loan in this scheme. The loan can be disbursed by the Nationalized Bank. And the Interest for the Buisness Loan is 12% per annual. So the beneficiaries only have to pay the principal amount of the loan and the interest rate will be paid by the government to the bank on behalf of the beneficiaries. So it clearly Mean that this is interest free Loan.

This is the time avail the benefits of the opportunity, don’t think twice and grab this golden opportunity. At last we you successfully run the business, then you can become financially independent women.

Business List   

If you have any business in your mind, then you can go with that, but if you don’t have exact knowledge of business sector, then you can choose the following business from the given list.

• Beauty Saloon
• Tailoring shop or Boutique
• Karyana Store
• Dairy Sector Business
• Start your Goat Farming Business
• Poultry Farm
• Masala Factory
• Agarbatti factory
• Food Processing Business
• Mobile Shop
• Homestay or Resort
• Hotel
• Restaurants
• Cafes

FAQs