Founder life

Which business can a woman start in India with low investment?

Any business that suits a small start suits a woman founder, so begin with what you can already do or make and who near you would pay for it: a home tiffin or bakery (FSSAI registration is Rs 100 a year, and no GST is due below Rs 20 lakh of turnover), tuition, tailoring and boutique work, beauty services, or selling products you know well online. What is different is the money on offer to women: Stand-Up India facilitates bank loans of Rs 10 lakh to Rs 1 crore for a new enterprise at least 51% owned by a woman, PMEGP gives women the higher special-category subsidy of 25% in cities and 35% in villages, and Mudra lends up to Rs 20 lakh to any micro enterprise. NITI Aayog's Women Entrepreneurship Platform lists further schemes and programmes. Lijjat Papad began with seven women in one Mumbai building in 1959 and now has more than 45,000 members. Sell to your first ten customers before you borrow: what kills most home businesses is a loan taken before the demand is proven.

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The official page for Stand-Up India, which facilitates bank loans of Rs 10 lakh to Rs 1 crore (term loan plus working capital) for a new enterprise set up by a woman or an SC or ST entrepreneur holding at least 51% of it, in manufacturing, services, trading or allied agriculture.

Stand-Up India scheme

From myscheme.gov.in by Ministry of Finance, on myScheme Scheme page

  • Loans run from Rs 10 lakh to Rs 1 crore and can cover up to 85% of project cost.
  • The enterprise must be greenfield and at least 51% held by a woman or an SC or ST entrepreneur.
  • SIDBI's Stand-Up Mitra portal offers help with project reports and applications.
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The government's own summary of PMEGP, the credit-linked subsidy for new micro enterprises run by KVIC: the subsidy is 15% of project cost in cities and 25% in villages for general applicants, and 25% and 35% for special categories, on projects up to Rs 50 lakh in manufacturing and Rs 20 lakh in services.

Prime Minister's Employment Generation Programme (PMEGP)

From myscheme.gov.in by Ministry of MSME, on myScheme Scheme page

  • General applicants put in 10% of project cost; special categories put in 5%.
  • The maximum project cost for the subsidy is Rs 50 lakh for manufacturing and Rs 20 lakh for a business or service unit.
  • Projects costing up to Rs 10 lakh under PMEGP need no collateral, per the page.
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The official description of Mudra loans for non-farm micro enterprises in manufacturing, trading and services: loans up to Rs 20 lakh in four tiers (Shishu, Kishore up to Rs 5 lakh, Tarun up to Rs 10 lakh, and Tarun Plus up to Rs 20 lakh for those who repaid a Tarun loan).

Pradhan Mantri Mudra Yojana (PMMY)

From myscheme.gov.in by Ministry of Finance, on myScheme Scheme page

  • Mudra covers small business loans up to Rs 20 lakh through banks and NBFCs.
  • Tarun Plus (up to Rs 20 lakh) is only for borrowers who have repaid an earlier Tarun loan.
  • Applications up to Rs 5 lakh should be decided within two weeks, per the banking code the page cites.
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WEP is the official government front door for women founders, a single platform aggregating incubation, mentorship, funding access, and partner schemes. For women-led startups it's the fastest way to find support built specifically for you rather than piecing it together from generic lists.

Women Entrepreneurship Platform (WEP), NITI Aayog

From Women Entrepreneurship Platform (wep.gov.in) by NITI Aayog, Government of India Platform + directory

  • NITI Aayog's official platform connecting women entrepreneurs to funding, mentorship, incubation, and compliance help.
  • Aggregates women-focused schemes and partner programmes so you can stack a general scheme with a women-specific top-up.
  • Many state startup policies add extra seed grants and higher reimbursements for women-led startups, worth pairing with WEP.
  • Free to join; use it as a discovery hub, then apply to the specific scheme or partner it points you to.
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A current (July 2026) guide to starting a home tiffin or dabba service: the Rs 100-a-year FSSAI Registration is the one universal requirement, no GST is needed below Rs 20 lakh of turnover even on Swiggy or Zomato, and the real gatekeepers are your housing society and municipal by-laws.

Tiffin service in India 2026: what you legally need

From calcguru.in by CalcGuru 10 min read

  • FSSAI Basic Registration costs Rs 100 a year and covers home kitchens.
  • Below Rs 20 lakh turnover a tiffin service does not have to register for GST.
  • Get the housing society or landlord NOC in writing before investing.
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Lijjat's own account of how seven women in one building in Girgaum, Mumbai, started making papad on 15 March 1959, and grew into a women's organisation of more than 45,000 members with 83 branches. The plainest Indian proof that a home business started with almost nothing can scale.

About Shri Mahila Griha Udyog Lijjat Papad

From lijjat.com by Lijjat Papad Organisation history

  • Lijjat began with 7 women in one residential building in 1959.
  • It now counts more than 45,000 member sisters across India.
  • It began with papad and later added masala, atta and detergent.
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FSSAI's own order setting the food licence tiers in force from 1 April 2026: Registration up to Rs 1.5 crore turnover, State Licence above Rs 1.5 crore and up to Rs 50 crore, Central Licence above Rs 50 crore. It supersedes the old Rs 12 lakh and Rs 20 crore limits most guides still quote.

FSSAI order: revised turnover thresholds for registration and licences (13 March 2026)

From fssai.gov.in by Food Safety and Standards Authority of India 4-page order

  • A food business with turnover up to Rs 1.5 crore needs only FSSAI Registration, not a licence.
  • State Licence covers Rs 1.5 crore to Rs 50 crore; Central Licence is above Rs 50 crore.
  • The order took effect on 1 April 2026 and replaces every earlier threshold.
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