A returnable grant provided under The Srijan Program is an innovative financial instrument that provides short-term, affordable, and flexible working capital loans to women looking to scale micro-enterprises owned and operated by them in the Indian informal sector. Core features of our returnable grants
0% Interest
60- Day Moratorium Period
Collateral-Free
Flexible Terms of Repayment
The innovative aspect of this tool of finance lies in its cyclical nature which leverages a donor’s contribution to empower a broad spectrum of women entrepreneurs. When one entrepreneur repays the grant amount, it is seamlessly redeployed to support the next beneficiary in line. Although there is no legal obligation to repay, a strong sense of moral commitment drives our beneficiaries to honor their repayments. This ethos fosters accountability and fuels a collective desire to uphold the program’s integrity. The women entrepreneurs safeguard opportunities for others and perpetuate a cycle of empowerment and inclusion via timely repayments. This collective effort serves as a catalyst for nurturing women-led enterprises across diverse sectors, contributing significantly to broader economic growth and gender equality.