Rashtriya Mahila Kosh (RMK) – Micro-Credit Scheme
Micro-credit for poor women through NGO/MFI intermediaries
Government
Central Government
Who it’s for
Poor Women (informal sector)
Application mode
Through empanelled NGO/MFI intermediary
Processing time
Depends on the empanelled intermediary's processing cycle.
Deadline / renewal
No fixed deadline — ongoing scheme through active intermediaries.
What it provides
Provides micro-credit at concessional terms to poor women through intermediary NGOs/MFIs for income-generating and livelihood activities.
Benefits breakdown
Who’s eligible
Poor women, especially in the informal/unorganised sector, accessing credit through an RMK-empanelled intermediary organisation.
Documents required
- Identity proof (Aadhaar)
- SHG membership proof (if applicable)
- Basic income/livelihood details as required by the intermediary organisation
How to apply
In-person / offline
- Identify an RMK-empanelled Intermediary Organisation (NGO/MFI) operating in your area — check with your local SHG federation or state Rural Livelihood Mission
- Join/register with the intermediary organisation as a borrower
- The organisation processes the micro-credit application on your behalf with RMK
- Loan is disbursed to you through the intermediary organisation upon approval
Helpline
Contact details available on rmk.gov.in
FAQs
Can I apply directly to RMK?
No — RMK operates through empanelled intermediary organisations (NGOs/MFIs); you cannot apply as an individual directly to RMK.
Is this the same as a Mudra loan?
No — RMK is a dedicated micro-credit channel for poor women via NGO/MFI intermediaries, while Mudra is a broader bank/NBFC-administered micro-enterprise loan scheme.
Last verified 31 August 2026