Dena Shakti


The Bank has modified its Dena Shakti Scheme - a scheme for financing to Women Entrepreneurs by including following activities / sectors under the purview of the scheme so as to increase its out reach to women .

Activities covered under the scheme (as per the definition of Priority Sector conveyed by RBI) w.e.f 01.03.2008

1.Agriculture & allied activities
2.Small Enterprises (Direct and Indirect Finance)
Micro and small (manufacturing) enterprises
Micro and small (service) enterprises which include small road and water transport operators, small business professional and self employeds and all other service enterprises
3. Retail Trade
4. Micro Credit
5. Education
6. Housing

2. Ceiling of loan : The maximum ceiling limits that can be considered for financing to women beneficiaries under this scheme will be as per the directives of RBI stipulated for various sectors under priority sector such as loans upto Rs 20.00 lakhs under retail trade, Rs 20 lakhs under education and housing and Rs 50000/- under micro credit as well as Bank's specific schemes circulated to branches / offices from time to time.

3. Margin : will be as per the norms stipulated by RBI / Bank from time to time .

4. Rate of Interest :Interest is to be charged as per extant guidelines of our Bank and R.B.I.directives, as applicable to various sectors of Agriculture, SE, and OPS . A concession / rebate @ 25 basis points in the rate of interest as applicable to existing activities is to provided to the women benefeciaries subject to certain conditions specified by the Bank .

For more details you may contact nearest branch of the Bank.