The Maternity Loan Scheme offered through District Central Cooperative Banks (DCCBs) and their branches in Tamil Nadu provides financial support to pregnant women via Self Help Groups (SHGs). This initiative, launched by the Co-operation, Food and Consumer Protection Department, ensures that women from rural and semi-urban areas can meet essential maternity-related expenses without financial stress.
Key Highlights of TN Maternity Loan for SHGs
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Scheme Name: Maternity Loan through Self Help Groups (SHGs)
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Implemented By: Co-operation, Food and Consumer Protection Department, Tamil Nadu
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Loan Amount: ₹2,000/- per eligible applicant
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Interest Rate: 11% (subject to revision by the bank)
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Target Group: Pregnant Women who are members of Self Help Groups
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Mode of Application: Offline only
Benefits of the Scheme
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Immediate access to a small loan of ₹2,000 to meet maternity expenses
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Interest rate capped at 11% (subject to change by cooperative banks)
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Encourages women’s financial inclusion through Self Help Group-based lending
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Strengthens maternal support and promotes safe pregnancy care
Eligibility Criteria
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The applicant must be a woman
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The applicant must be pregnant at the time of application
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Must be a resident of Tamil Nadu
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The loan is applicable only for maternity-related purposes
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Applicant must be associated with a Self Help Group (SHG) linked to a DCCB
Step-by-Step Guide to Apply (Offline Process)
Step 1: Visit your nearest District Central Cooperative Bank (DCCB) branch and collect the application form.
Step 2: Fill in all the required fields in the form, paste a passport-sized photograph, and self-attest the necessary documents.
Step 3: Submit the completed form and documents to the designated bank official or SHG coordinator.
Step 4: Request a receipt or acknowledgment slip from the bank, including:
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Date & Time of Submission
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Reference/Application Number (if provided)
Documents Required
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Identity Proof (Aadhaar Card, PAN Card, etc.)
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Address Proof (Electricity Bill, Ration Card, etc.)
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Proof of Pregnancy (Medical Certificate or Documentation from PHC/Government Hospital)
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Any other documents as required by the bank or SHG facilitator
Frequently Asked Questions (FAQs)
Q: What is the purpose of this scheme?
To support pregnant women financially during maternity through affordable loans.
Q: What is the maximum loan amount offered?
₹2,000/- per beneficiary.
Q: Who is eligible to apply?
Pregnant women who are residents of Tamil Nadu and members of Self Help Groups.
Q: Is there an income limit to apply?
No specific income limit is mentioned, but preference may be given to economically weaker women.
Q: What is the interest rate applicable?
11%, which is subject to change as per cooperative bank policies.
Q: Can the loan amount be used for non-maternity purposes?
No, the loan is strictly for maternity-related expenses.
Q: Is the loan amount fixed?
Yes, the sanctioned amount is ₹2,000/-.
Q: How can I apply for this loan?
Visit your nearest DCCB branch or contact your SHG coordinator for assistance.
Q: Who can I contact for more information?
The branch manager of your local DCCB or your Self Help Group leader.
References & Useful Links
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Official Guidelines – Co-operation, Food and Consumer Protection Department, Tamil Nadu
