From home-based beauty studios to boutiques, women entrepreneurs are building businesses that are not just profitable but purposeful. Yet for many, one major challenge remains: access to productive capital that helps them grow, earn, and build a healthy financial record.
That’s where Mahila Money steps in- a financial growth ecosystem helping women borrowers build, network, and scale.
The Rise of Women Borrowers in India
In the last five years, the number of women borrowers in India has nearly tripled, according to multiple reports. This rise is driven by confidence. As women new to credit learn to access and manage small business loans, they’re building stronger foundations for financial independence.
What Is Productive Capital for Women?
At Mahila Money, we see it as more than a loan.
It’s financial momentum
It means offering business loans that enable women to upskill, expand operations, and build a healthy credit score while creating sustainable livelihoods.
It can help women:
- Create a formal credit history.
- Build credit for higher-value opportunities.
- Strengthen a healthy credit score through timely repayments.
- Access better women entrepreneurs loans in the future.
In short, it’s credit that builds confidence.
Real Change: Stories From The Ground
Each woman in the Mahila Money community doesn’t just borrow; she builds: in skill, income, and confidence.
1. Vasa Lalitha, Eluru (Andhra Pradesh)
“Earlier, I only thought of money as income and expenses. Now, I understand that every EMI I pay builds my credit score.”
A self-taught beautician and single mother, Lalitha began freelancing five years ago. Today, she’s investing in herself again, enrolling in a professional beauty course with a Mahila Money business loan to upskill.
Her goal: to stay relevant.
With each EMI paid on time, she not only grows her income but also builds a healthy credit score, proving that productive capital for women is an investment in both skill and trust.
2. Harsha Rani, Hissar (Haryana)
“This loan was like a rehearsal for my bigger dreams. It showed me that even small, productive capital can multiply when used wisely.”
Harsha’s journey began with a small cosmetics shop run from her family home. Ahead of the festive season, she needed funds to stock new products but had never borrowed before.
After counselling with Mahila Money, she chose a small women entrepreneur loan, a smart step toward building a healthy credit score. The capital helped her meet demand and repay comfortably, proving that starting small with productive capital can lead to big results.
3. Ritika Mahajan, Amritsar (Punjab)
“This is the first time my name is part of the formal credit system. My repayments are creating a financial trail that will help me grow my business.”No bank ever explained how to start my credit journey. Mahila Money gave me both the support and the start.”
Ritika runs a small beauty studio from her home. Despite a steady income, she had no formal credit history.
When she approached Mahila Money for an upskilling loan, it wasn’t just about learning; it was about starting her journey. With her new skills and timely repayments, she’s building both her business and a healthy financial record, proof that productive capital for women can help women new to credit take confident first steps.
3. Swati Shrivastava, Balaghat (Madhya Pradesh)
“After 20 years of working hard, I learnt something new, banks value your credit score as much as your talent. That awareness itself has made me more confident.”
For over two decades, Swati has run a thriving bridal boutique from her home. When she noticed clients leaving for makeup services elsewhere, she saw an opportunity.
Through Mahila Money, she accessed productive capital to upskill and expand her business offerings. Today, her boutique is a one-stop bridal destination employing other women, a shining example of how women borrowers in India are using business loans to create local jobs and strengthen the economy.
5. Marufa Yesmin, Howrah (West Bengal)
“Becoming part of the credit system changed how I see myself, not just as a beautician, but as a financially capable woman with her own record and reputation.”
Marufa’s story is one of courage. A skilled makeup artist with 8 years of experience, she faced family pressure to abandon her career and get married. Instead, she used productive capital for women to enrol in a beauty course, her first step into formal credit. She also got the loan without any co-guarantor.
With consistent repayments, she’s building both her business and her independence – a living example of how women building credit can shape their future through determination and discipline.
Each of these women shows what productive capital for women truly means, not survival, but scale. Women borrowers are turning credit into capability, and capability into confidence.
The Mahila Money Ecosystem: Build. Network. Scale.
Mahila Money is more than a credit platform. Through the Mahila Money Growth Hub, entrepreneurs access:
- Peer learning and mentorship pods.
- Business playbooks and learning sprints.
- Community-led guidance on building credit and managing business loans.
Capital + Courage. That’s the Mahila Money way.
India’s women borrowers are creating their own financial identities. With every loan repaid, every healthy credit score built, and every business scaled, they’re creating a future powered by productive capital for women and collective ambition.
Mahila Money: Building credit. Building confidence. Building the future
If you are a woman entrepreneur who wants to take your business to new heights and is in need of working capital and entrepreneurship resources, come speak to us on Mahila Money. For more such #JiyoApneDumPe live conversations, download the Mahila Money App on Play Store or visit us on www.mahila.money
