Interest-Free Loan Schemes 2025 : Looking for a loan but don’t want to pay interest? Good news — several government-backed loan schemes in India offer 0% interest loans, specially designed for small businesses, women entrepreneurs, farmers, students, and self-help groups. In this guide, we’ve listed the top interest-free loan schemes in 2025 that you can apply for right from home.
Interest-Free Loan Schemes 2025 – Key Highlights
- Loan Amount: ₹50,000 to ₹1 Lakh
- Interest Rate: 0% (Fully subsidized)
- No collateral required
- Government-supported schemes only
- Online & offline application options
Interest-Free Loan Schemes 2025
1. Sakhi One-Stop Yojana (Women) – Gujarat
Offered to women for starting or expanding a small business
- Loan up to ₹1 lakh at 0% interest
- No guarantor or collateral needed
- Must be part of a registered Self-Help Group (SHG)
- Applied via district-level women welfare department
2. PM Swanidhi Yojana (Street Vendors)
- Loan up to ₹50,000 in 3 stages (₹10k, ₹20k, ₹50k)
- Interest subsidy on timely repayment (effective 0% if paid on time)
- For street vendors in urban areas
- Apply online through Udyami Mitra Portal or via banks
3. Stand-Up India (SC/ST & Women)
- Though not fully interest-free, certain categories get interest subsidies
- Support for women entrepreneurs & SC/ST applicants
- Loan up to ₹1 crore (₹10 lakh–₹1 crore)
- Check with local bank for 100% subsidy eligibility
4. Self Employment Scheme – State Level (Vary by State)
- States like Gujarat, UP, Maharashtra offer interest-free or subsidized loans
- Targeted for educated unemployed youth or rural SHGs
- Visit state-specific portal or collector office for details
Eligibility Criteria
- Indian citizen, age 18–60
- Belong to the eligible category (women/SC/ST/vendors/farmers)
- Must have valid ID proof (Aadhaar, PAN)
- Bank account linked with Aadhaar
Documents Required
- Aadhaar Card, PAN Card
- Bank Passbook
- Passport-size Photo
- Income Proof (if needed)
- SHG registration (if applicable)
How to Apply – Interest-Free Loan Schemes 2025
- Visit the respective scheme’s official portal or nearby bank
- Fill out the application form
- Attach required documents
- Wait for verification & approval
- Loan amount will be directly credited to your bank account
Apply Now for Interest-Free Loan Schemes 2025
| PM Swanidhi Yojana | Apply Online at Udyami Mitra Portal |
| Sakhi Sahas Yojana (Gujarat) | [Apply via District Collector Office (Offline)] |
| Stand-Up India Scheme | Apply Online Here |
| State Govt Self Employment Loan | Visit your state’s official portal or District Office |
| Visit Homepage | Click Here |
| Join Whatsapp Group |
Pro Tip – Interest-Free Loan Schemes 2025
Apply through recognized government portals like https://pmay.gov.in, https://udyamimitra.in, or your state’s finance dept website. Avoid middlemen
FAQs – Interest-Free Loan Schemes 2025
Q. Is interest-free loan Schames 2025 real in India?
Yes, many government schemes in 2025 offer 0% interest loans, especially to help small businesses and women-led SHGs.
Q. Can I get ₹50,000 loan without paying interest?
Yes. Schemes like PM Swanidhi and Sakhi Yojana allow that, if you meet the eligibility criteria.
Q. Is any private company offering 0% interest loan?
Currently, we are only listing government schemes as they are trusted and verified.