The Government of Tamil Nadu, through the Co-operation, Food and Consumer Protection Department, has introduced a targeted loan scheme for working women. Implemented via District Central Cooperative Banks and their branches, this initiative aims to empower women by offering loans up to ₹20,000 at a nominal interest rate of 12%.
The scheme promotes financial independence among employed women by providing easy access to small loans that can be used for professional needs, emergency expenses, or personal development.
Key Highlights of DCCB Loan for Working Women
• Scheme Name: Working Women Loan Scheme
• Launched By: Co-operation, Food and Consumer Protection Department, Tamil Nadu
• Implementing Agency: District Central Cooperative Banks and Branches
• Loan Amount: Up to ₹20,000
• Interest Rate: 12% (subject to revision)
• Application Mode: Offline
• Target Group: Working women residing in Tamil Nadu
Benefits of the Scheme
• Quick Access to Loans: Borrow up to ₹20,000 through local cooperative banks
• Affordable Interest Rate: 12% annually (subject to change)
• Inclusive Access: Easily accessible through the nearest district-level cooperative bank branches
• Women Empowerment: Supports personal and career growth
Eligibility Criteria
Applicants must meet the following conditions;
• Must be a resident of Tamil Nadu
• Must be a working woman (any formal or informal occupation)
How to Apply – Offline Application
• Step 1: Visit your nearest District Central Cooperative Bank or its branch
• Step 2: Request and fill out the application form
• Step 3: Paste a passport-size photograph and attach self-attested copies of required documents
• Step 4: Submit the completed form to the bank official
• Step 5: Collect an acknowledgment receipt with a reference number, date, and time of submission
Necessary Documents
• Proof of Identity (Aadhaar, PAN, etc.)
• Proof of Address (Ration Card, Utility Bill, etc.)
• Proof of Employment (Salary slip, work ID, or certificate from employer)
• Any additional documents requested by the bank
Frequently Asked Questions (FAQs)
Q: Who is eligible for this loan scheme?
A: Any working woman who is a resident of Tamil Nadu can apply.
Q: What is the maximum loan amount I can get under this scheme?
A: You can avail a loan of up to ₹20,000.
Q: What is the interest rate for this loan?
A: The interest rate is 12% per annum, but it may be revised by the department.
Q: Can I apply for the loan online?
A: No, the application process is currently offline only.
Q: What types of work are considered valid for eligibility?
A: All formal or informal employment is considered, including private job holders, contract workers, or small-scale entrepreneurs.
References & Important Links
• Official Guidelines from the Co-operation, Food and Consumer Protection Department, Tamil Nadu
• District Central Cooperative Bank Branches
