Loanus has organized and summarized information from the official Government sources shown on this page. This is general scheme information, not a personalized eligibility decision.
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About this scheme
Tamil Nadu Women Entrepreneurs Empowerment Scheme (TWEES)
Women and transgender entrepreneurs are eligible. [5][1][2]
₹
Benefits available under this scheme
Up to ₹10 lakh
Bank loan for projects up to ₹10 lakh
The maximum permissible project cost is ₹10 lakh for new enterprises in the manufacturing, service and business sectors. Project cost includes both capital expenditure and working capital; projects that consist solely of working capital may not be considered.
[1][2]25% · max ₹2 lakh
25% capital subsidy, up to ₹2 lakh
The subsidy is 25% of the total approved or actual project cost, not exceeding ₹2 lakh. It is a front-end subsidy released directly to the lending bank upon loan disbursal.
[1][2]No collateral required
No collateral security is required for the loan under this scheme.
[1][2]Entrepreneurship training and mentoring support
Beneficiaries receive a mandatory 3-day Entrepreneurship Development Programme training by EDII-TN after loan sanction, skill training by TNSDC for manufacturing enterprises based on demand, mentorship through Government-nominated mentors, and handholding support from FaMeTN for business registration, compliance, marketing and scaling up.
[1][2]Illustrative example
If the approved or actual project cost were ₹8 lakh, 25% would be ₹2 lakh, which reaches the scheme's maximum capital subsidy. This is an illustration only, not an eligibility, loan-sanction or subsidy-sanction decision. [1][2]
✓
Eligibility
These are general scheme eligibility conditions. They do not confirm whether you personally qualify.
General eligibility
- ✓Women and transgender entrepreneurs are eligible. [5][1][2]
- ✓The applicant must be domiciled in Tamil Nadu and possess a family ration card. [5][1]
- ✓The applicant must be above 18 years of age and not more than 55 years. [1]
- ✓No educational qualification is prescribed. [1][2]
- ✓There is no income ceiling for availing benefits under the scheme. [1][2]
- ✓The scheme is restricted to one member per family, where family means father, mother and unmarried children. [1]
- ✓The scheme is for new manufacturing, service or trading units. Existing units are not covered, except the top-up for KKT women beneficiaries seeking a loan for expansion. [1][2]
- ✓All economically viable new manufacturing, service and trading activities are covered, in rural and urban areas, except direct agricultural activities such as raising crops, animal husbandry activities, and the negative list of activities in the MSME Policy 2021. [1][2]
- ✓Priority is given to SC/ST applicants, transgender persons, persons with disabilities, widows / destitute widows and women from Below Poverty Line (BPL) families. [5][1]
□
Documents needed
- □Aadhaar card Required [3][1][2]
- □Family ration card Required [3][1][2]
- □Project report Required [3][1][2]
- □Quotation with the vendor's GST number Required [3][1][2]
- □Bank passbook / bank account details Required [3][1][2]
- □Colour passport-size photograph Required [3][2]
- □Community certificate — only when claiming SC/ST priority Optional [3][1][2]
- □Transfer Certificate / SSLC / HSC / Diploma / Degree certificate — not mandatory Optional [3][2]
- □Valid special-category certificate — only when claiming transgender, disability, widow / destitute widow or BPL priority Optional [3][2]
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How to apply
- 1
Submit the application online
The application is made through a fully online, bilingual process with the required documents. There are no fees or charges for enrolment.
Open official link
[4][1] - 2
DIC checks eligibility
The District Industries Centre (the Regional Joint Director for Chennai district) scrutinises the online application and verifies eligibility.
[4][1][2] - 3
Interview and selection by the District Task Force Committee
Applicants receive a call letter and attend an interview. The District Task Force Committee, headed by the General Manager of the District Industries Centre (Regional Joint Director, Chennai), screens the applications and selects projects based on their viability.
[4][1][2] - 4
Recommendation to the bank and loan sanction
Selected applications are recommended to bank branches. The bank sanctions the loan after assessing financial viability, in line with the Task Force Committee's recommendation, and the sanction is intimated to the beneficiary and the DIC.
[4][1] - 5
Attend the 3-day EDP training
After loan sanction, the beneficiary receives a call letter and attends the mandatory 3-day Entrepreneurship Development Programme training conducted online by EDII-TN, and receives a training completion certificate.
[4][1] - 6
Deposit your contribution and receive the loan
The beneficiary submits the training certificate and other documents required by the bank and deposits the promoter's contribution. The bank then disburses the first instalment or the full loan.
[4][1] - 7
Subsidy claim and release
The bank files the subsidy claim with the District Industries Centre along with the disbursement advice, and the General Manager of the DIC releases the subsidy to the financing bank branch.
[4][1]
Application deadline
No deadline is stated in the sources Loanus currently holds.
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Important things to know
A few practical scheme details that may matter while you plan or apply.
- !The promoter must contribute a minimum of 5% of the total project cost from her own resources. [1][2]
- !Banks sanction and disburse 95% of the project cost as a loan, which includes the 25% Government subsidy. Banks may lend above the recommended project cost, but the subsidy is calculated only on the recommended project cost. [1][2]
- !Interest subvention is not applicable under TWEES. [5][1]
- !The rate of interest is in accordance with banking norms. [1][2]
- !The repayment period may be for a minimum period of 5 years or as decided by the financing branch, after an initial moratorium period of 3 to 6 months. [1]
- !Projects of ₹2 lakh or less in the specified trades of the KKT scheme may be encouraged under KKT only. A KKT woman beneficiary who intends to take a loan for expansion can top up under TWEES; the difference in subsidy, after deducting the subsidy availed under KKT, may be released, provided that at least 75% of the additional loan is for new asset creation. [6][1][2]
- !Loans can be taken from all commercial banks, including nationalised banks, private sector banks, small finance banks, NBFCs, TAICO Bank and other co-operative banks. [1][2]
- !Preference is given to activities in the focus / priority sectors listed in Annexure-II of the G.O., such as eco-friendly and sustainable products, handicrafts, sunrise service activities, nutrition products, herbal products and unique activities like hydroponics. The list is non-exhaustive. [1]
- !The scheme is implemented at district level by the District Industries Centre of the concerned district, and by the Office of the Regional Joint Director of Industries and Commerce for Chennai district. [1][2]
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Sources
[1]
G.O.(Ms.) No.51, Micro, Small and Medium Enterprises (D2) Department, dated 25.08.2025English · 1 Oct 2026
[2]
[3]
TWEES List of Documents to be uploaded — Trust-supplied webpage snapshotEnglish · 1 Oct 2026
[4]
[5]
TWEES Eligibility — Trust-supplied webpage snapshotEnglish · 1 Oct 2026
[6]
About TWEES Scheme — Trust-supplied webpage snapshotEnglish · 1 Oct 2026