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Interim Budget 2024 for Women Entrepreneurs

by HEN Editorial Team

We all know the saying, “Behind every successful man is a strong woman.” But let’s rewrite it for 2024: “India’s booming economy runs on women power!”
You bring fresh ideas, innovative solutions, and a tight-knit community spirit to the table. Research even shows businesses led by women are more resilient, socially responsible, and laser-focused on sustainable growth – that’s a recipe for success!

Recognizing this incredible force, the Interim Budget 2024 prioritized empowering women like you. We’re talking financial assistance, expert mentorship, and skill development programs designed to supercharge your entrepreneurial journey.

The recent Interim Budget 2024 offered a beacon of hope for businesses across India, and women-led ventures are no exception. This blog dives deep into 5 key schemes designed to empower and support your entrepreneurial journey.

Interim Budget 2024-25: Top 5 Schemes for Financial Support to Women Entrepreneurs. Here's how you can leverage these initiatives to take your business to the next level:

1.Pradhan Mantri Mudra Yojana (PMMY)

Launched in 2015 by Prime Minister Narendra Modi, PMMY is a government scheme offering financial aid to non-corporate, non-farm small and micro-enterprises.

Focus:Providing loans up to Rs. 10 lakh to eligible beneficiaries.

 

Loan categories:
Three categories cater to different growth stages:

  • Shishu: Loans up to Rs. 50,000
  • Kishore: Loans from Rs. 50,000 to Rs. 5 lakh
  • Tarun: Loans from Rs. 5 lakh to Rs. 10 lakh

These categories allow entrepreneurs to choose a loan amount that best suits their business needs, providing a significant boost to their growth and development.

Eligibility Criteria
To be eligible for the scheme, applicants must meet the following criteria:

  • Citizenship: Applicants must be Indian citizens.
  • Business Plan: Individuals with a viable business plan for a small enterprise in sectors like manufacturing, trading, services, or allied agriculture can avail loans.
  • Loan Default History: Applicants should not have a history of loan defaults.
  • Business Age: The applicant’s business must be at least 3 years old.
  • Entrepreneurs Age: Entrepreneurs should be between 24 to 70 years old.
  • Business Sector: Loan is applicable for businesses in manufacturing, trading, services, or allied agriculture activities (e.g., food processing, beekeeping, livestock rearing, cold storage, canteen services).
  • Not suitable for crop farming.

Insight

Data shows that the government disbursed around 13 lakh crore rupees for 2015-2016, which has jumped to around 51 lakh crore rupees for 2023-2024. Source: Mudra Website

How to apply for PMMY loan?
Online Application

  • Visit the official PMMY website at www.udyamimitra.in.
  • Click on “Apply Now” on the homepage.
  • Select your status: ‘New Entrepreneur’, ‘Existing Entrepreneur’, or ‘Self-Employed’.
  • New applicants should enter details like ‘Name’, ‘Email ID’, and ‘Mobile Number’.
  • Generate an OTP and complete the registration.
  • Ensure you meet the eligibility criteria:
    • Indian citizenship,
    • a business plan for a small enterprise,
    • a business operational for at least 3 years,
    • and an age between 24 to 70 years.

Through a Bank Branch:

  • Find a Lender: Look for a bank, NBFC (Non-Banking Financial Company), or MFI (Micro Finance Institution) near you that offers PMMY loans.
  • Gather Documents: Get your ID proof, address proof, business plan, and any financial documents the bank asks for.
  • Visit the Bank: Talk to a bank representative about applying for a PMMY loan.
  • Fill Out the Form: The bank will give you a PMMY application form. Fill it out and submit it with your documents.
  • Wait for Approval: The bank will check your application and documents. If everything is okay, they will approve your loan.
  • Get Your Loan: Once approved, the bank will deposit the loan amount into your account.

Insight

As of Dec 2021, 68% of the accounts and a significant 44% of the sanctioned amount under PMMY go directly to women entrepreneurs, highlighting the scheme’s impact on women-owned businesses. View Source

2. Stand-up India

The Stand-Up India Scheme is here to support you! It offers bank loans from 10 lakh to 1 crore to make your entrepreneurial dreams a reality. To qualify, at least one borrower must be from the Scheduled Caste (SC) or Scheduled Tribe (ST) community, and at least one borrower must be a woman, all within one bank branch.

Various Methods of Applying?

  • Loans can be accessed by applying online, directly at a bank branch, through the Lead District Manager,
  • or at over 100,000 bank branches and 17,000 help centers across India
  • Applicants can also track their application status and explore different loan offers

Eligibility Criteria
The eligibility criteria for the Stand-Up India Scheme are as follows:

  • The scheme is open to individual borrowers as well as group/formalized industrial units.
  • SC/ST and/or woman entrepreneurs, above 18 years of age, are eligible.
  • At least one SC/ST borrower and at least one woman borrower must be engaged in setting up the enterprise.
  • In the case of a non-individual enterprise, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.
  • The enterprise may be in manufacturing, services, agri-allied activities, or the trading sector.
  • The loan is intended for setting up a new business (greenfield enterprise) as per the specified total project cost norms.

How to Apply For Stand-Up India Loan?
Here’s how to apply for a Stand-Up India Loan:

  • Find a Participating Bank: Look for a bank that offers Stand-Up India loans. You can ask around or check the bank’s website.
  • Get the Application Form: Ask the bank for a Stand-Up India loan application form or download it from their website (if available).
  • Fill Out the Form: Carefully fill out the form with details about yourself, your business plans, how you’ll use the money, and financial projections.
  • Gather Documents: Collect all the required documents like your business plan, ID proof, address proof, education certificates, project cost estimates, and anything else the bank asks for.
  • Submit Your Application: Give the completed form and documents to the bank so they can review it.
  • Discuss Loan Details: Talk to the bank officer about the loan terms, interest rates, repayment schedule, and if any collateral is required.
  • Confirm Loan Amount: Decide how much money you need (between Rs. 10 lakh and Rs. 1 crore) based on your business needs.
  • Wait for Approval: The bank will review your application and see if you qualify for the loan. This might take some time.
  • Loan Approval (or Denial): The bank will let you know if your loan is approved.
  • Get Your Loan (if Approved): If approved, the bank will start the process of giving you the loan money. Make sure you meet any extra conditions they have.

Need More Details?
For more information, visit the Standupmitra website: https://www.standupmitra.in/

3. Startup India Seed Fund Scheme (SISFS)

In 2016, the Indian government launched Startup India, a program dedicated to fostering a thriving startup ecosystem. Recognizing startups’ power to drive innovation, job creation, and economic growth, Startup India offers a supportive environment through a 19-point action plan.

This plan includes measures like simplified regulations, tax benefits, and critical support for early-stage funding through schemes like the Startup India Seed Fund Scheme (SISFS).

Seed Funding through SISFS Seed funding is crucial for startups in their early stages, before they generate revenue. The SISFS specifically addresses this challenge by offering financial assistance to eligible startups. SISFS works through government-approved incubators, providing funding based on the startup’s stage. SISFS works through government-approved incubators, providing funding based on the startup’s stage:
  • Ideation and Validation: Startups can receive up to Rs. 20 lakhs to develop their proof of concept (POC) and refine their business models.
  • Commercial Launch or Business Upscale: Funding can increase to Rs. 50 lakhs to help startups bring their innovative solutions to market and achieve commercial success.
  • Importantly, the SISFS application process is designed to be transparent and efficient, with funds disbursed quickly.
Eligibility Criteria:To be eligible for SISFS funding, startups must be:
  • Recognized by DPIIT. To get DPIIT-recognized, please visit https://www.startupindia.gov.in/content/sih/en/startupgov/startup_recognition_page.html
  • Be a relatively new startup, incorporated within the last 2 years.
  • Have a solid concept with a developed proof of concept (POC) and innovative products or services.
  • Be an Indian-owned company with at least 51% Indian shareholding.
  • Not have received any previous government grants.
How to apply for SISFS Scheme? Here’s how to navigate the SISFS application process:
  • Prepare your documents: Ensure you have all the required documents, along with proof of authorization to submit them on behalf of your startup. This proof could be a Letter of Authorization, Power of Attorney, or a Board Resolution.
  • Select your incubators: The application form allows you to choose three incubators from the pool of government-approved SISFS partners. Research these incubators to find the ones that best align with your industry and growth needs.
  • Apply with accurate information: Fill out the application form carefully and completely with up-to-date information. Mistakes or missing details can lead to rejection.
  • Document submission: Once the application is complete, submit it along with all the required documents to the chosen incubators.
What is the Selection Process? The SISFS application process is in two-stages:
  • Shortlisting by Incubator: Each incubator you selected will review your application based on its own criteria, including your business idea, market potential, and team capabilities. Shortlisted startups will move on to the next stage.
  • Selection by ISMC: Shortlisted applications are then forwarded to the Inter-Ministerial Steering Committee (ISMC) for final evaluation and approval. The ISMC considers factors like innovation, scalability, and potential social impact when making funding decisions.
Funding and Follow-up:
  • The government mandates incubators to disburse the first installment within 60 days of application approval. Seed funds are typically released in installments.
  • Subsequent installments are contingent upon the startup submitting satisfactory progress reports.
  • Startups can only apply for the seed fund once within the first 2 years of incorporation.
Need More Information: Read Guidelines of SISFS for More details. Click Here

4. Fund of Funds for Startups (FFS) Scheme

Established in 2016, the FFS scheme provides funding not directly to startups, but to Alternative Investment Funds (AIFs) registered with SEBI. These AIFs, called daughter funds, then invest this capital in promising Indian startups.
How Does FFS Work?
  • The FFS scheme has a corpus of Rs. 10,000 crore and aims to increase access to capital for startups while encouraging private investment in the sector.
  • Daughter funds must meet specific criteria set by SEBI, including a fund corpus below Rs. 1,000 crore and a commitment to invest at least double the FFS contribution in government-defined startups.
  • Key members of the daughter funds must also have a minimum credit score of 650 and be legally eligible for director or managerial positions.
  • Funds are disbursed within 180 days, with the specific amount calculated based on the fund size and applicable rates.

Insight

SIDBI manages the FFS scheme, ensuring funds reach startups efficiently. They report successful funding of over 60,000 funds, including 14,000 led by women entrepreneurs, creating significant employment opportunities.

Eligibility Criteria

  • Be a relatively new company, registered as a Private Limited Company, Limited Liability Partnership (LLP), or a registered partnership firm.
  • Be incorporated on or after April 1, 2016 (start-up age less than five years old).
  • Have a turnover below Rs. 25 crore.
  • Demonstrate a focus on development and innovation in manufacturing products or services driven by technology or intellectual property.
  • Be a distinct entity, not formed by splitting or restructuring an existing firm.
  • Government Recognition:
    • Obtain a certificate of eligibility from an inter-ministerial board, recommended by a recognized incubator or venture capitalist.
    • Be registered with the Department for Promotion of Industry and Internal Trade (DPIIT).
  • Startup Definition: Ensure your venture aligns with the Government of India’s definition of a startup as outlined in Gazette Notification G.S.R. 127(E) dated February 19, 2019 (consult the notification for details).
  • FFS Investment Strategy: Verify that your startup’s sector and stage of development match the investment focus of the FFS program as outlined by the notification.

How to Apply for Funding Through Daughter Funds of the FFS Scheme?
Here’s a breakdown of the application process you can consider:

  • Startup India Registration: Make sure your startup is registered with Startup India.
  • Check Eligibility: See if your startup meets the FFS criteria (check a separate document for details).
  • Investment Funds (AIFs): These are the ones applying for FFS support to invest in startups
  • AIF Application (2 Steps):
    • AIFs present their investment plans to a committee (VCIC) appointed by SIDBI.
    • If approved, AIFs submit a formal application to SIDBI for final approval.
  • Approval & Agreement: If successful, SIDBI will give the AIF a green light and sign an agreement outlining the funding details.

Insight

Important Note: The FFS scheme doesn’t directly provide funds to startups. Instead, it supports investment funds that then invest in startups.
Go through SIDBI website for more details. Click Here

5. Credit Guarantee Scheme for Startups (CGSS)

The Indian government’s Credit Guarantee Scheme for Startups (CGSS) is a game-changer for entrepreneurs. Recognized startups can now secure loans from banks and other lenders more easily.
CGSS acts as a safety net for lenders by guaranteeing a portion of the loan if a startup defaults. This reduces the risk for lenders, making them more willing to provide financing to startups.

  • The scheme is managed by the National Credit Guarantee Trustee Company (NCGTC) and has clear guidelines for both startups and lenders.
  • The CGSS encourages banks, NBFCs, and AIFs to lend to startups by mitigating their risk.
  • Startups can avail loans of up to Rs. 10 crore with a portion of the debt guaranteed by the government under this scheme.
  • There are two coverage options: transaction-based guarantees a specific loan for your startup, while umbrella-based covers a pre-approved loan limit for multiple startups under a lender’s portfolio. Overall, CGSS bridges the gap between startups needing funds and lenders willing to provide them.

Eligibility Criteria:

  • DPIIT-recognized Startup: Must be officially recognized by the Department for Promotion of Industry and Internal Trade (DPIIT).
  • Financial Sustainability: Demonstrate a stable revenue stream through audited monthly financials for the past 12 months, indicating suitability for debt financing.
  • Clean Credit History: No defaults on previous loans or Non-Performing Asset (NPA) classification according to RBI guidelines.
  • Member Institution Approval: Final eligibility confirmation by the participating lending institution for CGSS guarantee cover.

How to apply for CGSS (Credit Guarantee Scheme for Startups)?

  • Approach Lenders: As a recognized startup, you can directly approach CGSS-participating banks, NBFCs, or Alternative Investment Funds (AIFs) for your funding needs.
  • Loan Evaluation: The chosen lender will evaluate your loan application based on their standard lending procedures, CGSS guidelines, and other relevant regulations.

Need More Details
For more details, please visit the Startup India Website.

Government Extends Tax Benefits for Startups and Investors

In a move to further support India’s startup ecosystem, the government has proposed a one-year extension of tax incentives for startups and investments made by sovereign wealth funds and pension funds.
This extension, valid until March 2025, offers two key benefits:

  • Continuity in Taxation: Ensures a stable tax environment, allowing startups to confidently plan and grow their businesses.
  • Fostering the Startup Ecosystem: Extends benefits that encourage investment and growth, further propelling the Indian startup scene.
  • This extension directly benefits over one lakh startups recognized by the government. They can continue to leverage the advantages outlined in the Action Plan for Startup India.
  • Industry experts have applauded the proposal, emphasizing the importance of tax certainty and extended tax holidays for startups. This extension provides much-needed stability for entrepreneurs, allowing them to focus on building their businesses.
  • The proposal to extend tax benefits reflects the government’s commitment to creating a supportive environment for startups and promoting economic growth in India.
  • The decision to extend tax benefits by a year provides clarity and certainty for global investors and eligible companies to enhance investment and operational planning. The extension of tax benefits till March 31, 2025, benefits eligible startups, sovereign wealth funds, pension funds, and units in the International Financial Services Centre (IFSC) GIFT City.
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Impact and Conclusion

In conclusion, the Interim Budget 2024 focuses on women, particularly through schemes like PMMY, is already yielding positive results. The increased access to capital is empowering women to translate their ideas into successful businesses, promoting economic independence and job creation.

Moreover, the budget’s investments in skilling programs and initiatives such as the Virtual Incubation Program for Women Entrepreneurs are indirectly benefiting women entrepreneurs by equipping them with essential skills and resources for success. Additionally, healthcare initiatives aimed at women are ensuring their well-being, enabling them to focus on expanding their businesses.

The government’s flagship exercises and programs, such as States’ Startup Ranking, National Startup Awards, and Innovation Week, are pivotal for the holistic development of the startup ecosystem.

If you’re a woman entrepreneur with a dream of starting your own business, don’t hesitate! Explore these schemes.

We understand that taking the first step can be daunting, but it’s okay. Once you start, you’ll learn and grow.
As an entrepreneur, the financial investments you receive are not the only foundation. You should also have a strong network of mentors and advisors and continuously develop the skills needed to navigate the startup world.

#LeanOnHEN for a community that will back you with connections, mentors, and skills. HEN is your go-to business network for women, where you can network with established entrepreneurs and learn from mentors who have been there, done that.

Article Contribution by – Devika Kovachi & Sapna Garg
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HEN Editorial Team
Women Entrepreneur Community HEN India – Her Entrepreneurial Network – a networking platform for women-led businesses. HEN is a community of Women Entrepreneurs focused to Inspire, Inform & Support each other build successful businesses along with balanced lives.

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The Websites may include some or all of the following: (a) a platform for the purchase and use of digital content, which allows end-users to purchase a subscription and stream live and pre-recorded audio and video content over the Internet for personal use, (b)and (b) one or more websites where other online content (including content provided by HEN India, Website users and third parties), resources, tools, products, services, communications and social networking features may be accessed and used. All of the foregoing are collectively referred to as the “Services.”

PLEASE READ VERY CAREFULLY ALL OF THE FOLLOWING TERMS AND CONDITIONS FOR USE OF THE WEBSITES. BY ACCESSING AND/OR USING THE WEBSITES, YOU ARE AGREEING TO BE BOUND BY ALL OF THE FOLLOWING TERMS OF USE AND PRIVACY POLICY.

  1. Parties. The following Terms of Use and Privacy Policy, as well as any other guidelines, rules or operating policies that HEN India may establish and post at the Websites from time to time, all of which are hereby incorporated by reference. All of the foregoing, which are collectively referred to as the “Agreement,” set forth the terms and conditions of a legally binding contract between each visitor to and/or user of the Websites (together with any business, entity or organization each such visitor and/or user may be representing) (referred to as “you” or “your”) and HEN India (“HEN India,” “we,” “our” and “us”).
  2. Acceptance of Terms and Agreement to Be Bound. The Services are offered to you on the condition that you accept and agree to be bound by this Agreement in its entirety without modification of any kind. By accessing and/or using any of our Websites, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse one or more of our Websites) or you are a “Registered User” (which means that you have registered to use the Websites and have subscribed to use one or more of the Services). If you do not accept the terms of this Agreement, you are not permitted to use the Websites and/or subscribe to the Services, and you are obliged to exit all of the Websites and discontinue any and all use of the Websites and the Services immediately.
  3. Modifications. We may modify this Agreement from time to time, and, to the greatest extent permitted by law, such modifications shall be effective upon posting at any of our Websites. By accessing and/or using any of our Websites after any such modification is posted, you are agreeing to be bound by such modifications. You also acknowledge and agree that it is your responsibility to monitor the Websites for the posting of modifications and to review such modifications on a regular basis. If you do not agree to be bound by any future modifications of this Agreement, your exclusive remedy is to cancel your account and discontinue your use of the Websites and the Services. Except as otherwise expressly provided herein, any new features, tools, products and/or services that change, augment, enhance or upgrade the current Websites and/or the Services will be subject to this Agreement.
  4. General Registration Requirements. Visitors are currently permitted to view only limited portions of the Websites prior to deciding whether to become a Registered User. Full access to the Websites and the Services is available only to Registered Users and, if a subscription is required, then only to Registered Users who are also paid subscribers. If you wish to become a Registered User, you must register on our Websites, you must complete the registration procedures displayed on the registration page(s) of the Websites and, where applicable, pay the required subscription fee. Some aspects of the Websites and the Services are available to all Registered Users, and some are available only to Registered Users who have paid the required subscription fee and/or other charges, all of which are posted at the Websites.
  5. 30-days Free Trial Offer. This offer (the “30-Days Free Trial Offer”), which is made to you by HEN India (as defined in the HEN India Terms and Conditions of Use), entitles you access to the HEN India membership for a period of thirty (30) days from the moment that you activate such trial period by submitting your payment details (the “Free Trial Period”). By submitting your payment details, you accept the 30-Days Free Trial Offer and (i) consent to us using your payment details in accordance with our Privacy Policy, (ii) acknowledge and agree to HEN India Terms and Conditions of Use and these Free Trial Terms and Conditions. If you decide that you do not want to become a paying user of the HEN India membership upon the lapse of the Free Trial Period, you have to terminate your membership by the end of the Free Trial Period. You may only use this Free Trial Offer once. HEN India reserves the right, in its absolute discretion, to withdraw or to modify this Free Trial Offer and/or the HEN India 30-Days Free Trial Terms and Conditions at any time without prior notice and with no liability.
  6. Age Requirements for Access and Use of the Websites. By accessing and using the Websites, you acknowledge and agree that you are representing to us that you are over the age of 18 and you are of legal age to form a legally binding contract, and you are not a person barred from purchasing or receiving products and services, under the laws of the India or other applicable jurisdiction. Registration, subscription, access to and use of the Websites and the Services are not available to users under the age of 18 and are void where prohibited by applicable law.
  7. Requirements for Becoming a Registered User. By completing the registration procedures displayed on the registration page(s) of the Websites, you acknowledge and agree that (a) you are representing to us that you are providing true, accurate, current and complete information about yourself as prompted by the registration form available on our Websites (the “Registration Data”), and (b) you are obliged to maintain and promptly update your Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we reserve the right to suspend or terminate your account and refuse any and all current or future access to and/or use of the Websites and the Services (or any portion thereof).
  8. Children. Due to the nature of the Internet, we cannot prohibit minors from visiting our Websites. However, our Websites are not directed toward children under the age of 13 and we do not knowingly collect information from children under the age of 13 through the Websites. If you believe that a child has provided information to us through the Websites, please contact us by email at [email protected]. We will use our best efforts to remove all of the information provided by the child from our system. 
  9. Member Account, Password and Security. As a Registered User, you are required to choose a password and provide your email address, and you may be asked for additional information regarding your account. You are responsible for maintaining the confidentiality and security of the password and all other account information, and you are fully responsible and liable for all access to and use of the Websites and the Services that occur under your password or account. You agree to (a) immediately notify us by e-mail to [email protected] of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you log out from your account at the end of each session. HEN India will not be liable for any loss or damage arising from your failure to comply with this section.
  10. Preservation and Disclosure of Account Information and User Content. You acknowledge and agree that HEN India may access, preserve and disclose your account information and User Content if required to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims that any Site Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of HEN India, the other users of the Websites and Services, and the public. However, under no other circumstances will HEN India intentionally disclose your account information to any third party except as otherwise provided in our Privacy Policy, which is set forth below.
  11. Security Components. You acknowledge and agree that the Websites and the Services, and the software embodied within the Websites and the Services, may include security components that permit digital materials to be accessed, used, and protected, and that use of these security components is subject to usage rules set by HEN India and/or content providers who provide content to HEN India. You may not attempt to override or circumvent any such security components and usage rules embedded in the Websites and the Services.
  12. Subscription Fees and Payment. Access to and use of the Services is subject to a subscription fee (“Fee”). The Fee is payable in Indian Rupees. You will be required to provide your credit card number and other information at the time of your initial registration. Your credit card will automatically be charged at the time of your subscription or the end of your free trial, and regularly thereafter based on the terms of your subscription, and you hereby authorize HEN India to charge your credit card for the then-applicable subscription fee. The Fee is non-refundable except as provided in Section 24 below (“Term and Termination”). HEN India reserves the right to change or modify the Fee or payment schedule (including, without limitation, increasing prices and charging a fee for upgrades) at any time. HEN India will use its reasonable best efforts to provide you with reasonable notice prior to making any fee changes or modifications. If HEN India is for any reason unable to effect automatic payment via your credit card, HEN India will attempt to notify you via email and your account will be disabled until payment is received. You are responsible for notifying HEN India of any changes to your credit card information and to update your information if your credit card has expired. HEN India may suspend, terminate and/or otherwise interrupt your access to the Services if you fail to so notify HEN India .All Fees are exclusive of all taxes and duties imposed with respect to the Services by any federal, state, municipal or other governmental authority, all of which taxes you are required to pay. You are responsible for obtaining and providing to HEN India any certificate of exemption or similar document required to exempt any transaction from sales, use or similar tax liability.You agree to pay your account balance on time. You are responsible and liable for any costs and expenses, including attorney and collection fees, that HEN India may incur in its efforts to collect any remaining balances due from you. This paragraph will in no way limit any other remedies available to HEN India. You are required to notify us of any billing problems or discrepancies within sixty (60) days after they first appear on your credit card account statement by sending a written notice to [email protected]. If you do not so notify us within the time allowed, you waive any right to dispute such problems or discrepancies.12a. Content. The content available at the Websites and the Services generally consists of (a) content owned by HEN India, including but not limited to the trademarks, trade dress and “look and feel” of the Websites and content created and/or acquired and owned by HEN India(“HEN India content”), (b) content owned by third parties and licensed to HEN India for specified uses on the Websites and the Services (“Third-Party Content”), and (c) content that may be posted and/or otherwise uploaded to the Websites and/or the Services by you (“User Content”). As between you and other Registered Users, however, the content posted by other Registered Users is considered to be “Third-Party Content.” All of the foregoing are collectively referred to as “Site Content.”12b. Geographic Limitations. Due to certain licensing restrictions placed on our titles, some content may not be available in your geographic location, and therefore, cannot be viewed. If at any time you feel this inhibits your experience upon purchasing an HEN India subscription, please contact our customer service department and we will work with you in order to remedy the situation. You can reach customer service by email at [email protected].
  13. Ownership of Content. HEN India does not claim ownership rights in any User Content that you post on the Websites or otherwise make available through the Services. Subject to the non-exclusive license contained in Section 14 below (“License to Your Content”), as between HEN India and you, you will retain all intellectual property rights that you may have in any User Content that originates with you.
  14. License to Your Content. In order to be able to offer you the use of our Websites and the Services pursuant to this Agreement, you are required to grant a license to HEN India to use and distribute your User Content. This enables us to permit other Visitors and Registered Users to view and share your User Content, and to display your User Content in other places within the Websites. Accordingly, by posting, displaying, publishing, transmitting, or otherwise making available (individually and collectively, “posting”) any User Content on or through our Websites or the Services, you hereby grant to HEN India a non-exclusive (meaning you can license the User Content to other parties as well), fully-paid, royalty-free, perpetual, irrevocable, worldwide license (including the right to sublicense) to use, copy, modify, adapt, translate, create derivative works, publicly perform, publicly display, store, reproduce, transmit, distribute, and otherwise make available such User Content on and through the Websites and/or the Services, in print, or in any other format or media now known or hereafter invented, without any obligation of notification, compensation, attribution or consent. Notwithstanding the foregoing, we will not use your User Content to create commercial products such as books. For purposes of this section, “commercial products” does not include use on the Websites and the Services and/or the advertising, publicity, promotional and marketing materials for the Websites and the Services in any and all formats and media now known or hereafter invented. If you wish to remove any User Content from the Websites and/or the Services, the decision will be made by HEN India alone in its sole and absolute discretion, and our decision may depend on the type of User Content, the location and manner of posting, and other factors. You may contact us at [email protected] to request the removal of certain User Content you have posted, but HEN India (i)has no obligation to remove any such User Content, (ii)may choose whether or not to do so in its sole discretion, and (iii)makes no guarantee as to the complete deletion of any such User Content and copies thereof. In any case, a back-up or residual copy of any User Content posted by you may remain on HEN India servers after the User Content appears to have been removed from the Websites and/or the Services, and HEN India retains all rights granted in this section to all such remaining copies. You represent and warrant that: (i) you own all right, title and interest in all User Content posted by you on or through our Websites or the Services, or otherwise have the right to grant the license set forth in this section, and (ii) the posting of your User Content on or through the Websites and/or the Services does not require the knowledge or consent of any third party and does not violate the privacy rights, publicity rights, copyrights, trademarks, patents, trade secrets, contract rights, confidentiality, or any other rights of any third party.
  15. Prohibited Conduct. The Websites and the Services may include features that permit you to post User Content, which includes and applies to (but is not limited to) content of your own, comments on the User Content posted by other Registered Users, and communications with other Registered Users. Such User Content includes but is not limited to information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials. You acknowledge and agree that you shall not use the Websites and/or the Service to post or other transmit User Content that
    1. Is patently offensive and/or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual
    2. Harasses or advocates harassment of another person
    3. Exploits people in a sexual or violent manner
    4. Contains nudity, violence, or offensive subject matter
    5. Solicits personal information from anyone under the age of eighteen (18)
    6. Provides any telephone numbers, street addresses, last names or email addresses of anyone other than your own
    7. Promotes information that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous
    8. Violates any intellectual property or other proprietary right of any third party, including User Content that promotes an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files
    9. Involves the transmission of “junk mail,” “chain letters,” or unsolicited mass mailing, instant messaging, “spimming,” or “spamming”
    10. Contains restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page)
    11. Furthers or promotes any criminal activity or enterprise or provides instructional information about illegal activities including, but not limited to making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses
    12. Solicits passwords or personal identifying information for commercial or unlawful purposes from other Members
    13. Involves commercial activities and/or sales without our prior written consent, such as contests, sweepstakes, barter, advertising, or pyramid schemes
    14. Includes a photograph of another person that you have posted without that person’s consent or, in the case of children under the age of eighteen (18), parental consent, or otherwise constitutes an invasion of an individual’s privacy or infringement of publicity rights; or
    15. Contains a virus or other harmful component.
  16. Responsibility for User Content. You, and not HEN India, are entirely responsible for all User Content that you upload, post, email, transmit or otherwise make available via the Websites and/or the Services. HEN India does not control the User Content posted via the Websites and/or the Services and, as such, we cannot and do not guarantee the accuracy, integrity or quality of such User Content. You acknowledge and agree that, by using the Websites and the Services, you may be exposed to User Content that you deem offensive, indecent or objectionable. Under no circumstances will HEN India be liable in any way for any User Content, including, but not limited to, any errors or omissions in any user Content, or any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed, transmitted or otherwise made available via the Websites and/or the Services.
  17. Rejection and/or Removal of User Content. You acknowledge and agree that HEN India may or may not pre-screen User Content posted on our Websites, but that HEN India shall have the right (but not the obligation) in its sole discretion to pre-screen, edit, refuse, and/or remove any User Content or portion thereof that is available via the Websites and/or the Services, in its sole and absolute discretion, for any reason, including but not limited to its determination that any such User Content is not appropriate for the Websites and/or the Services, or for no reason. Without limiting the foregoing, and by way of example only, HEN India shall have the absolute right to remove from the Websites and/or the Services any User Content that violates this Agreement or is otherwise objectionable in the sole discretion of HEN India, or to restrict, suspend, or terminate your access to all or any part of the Websites and/or the Services at any time, for any or no reason, with or without prior notice, and without liability. If you become aware of misuse of the Websites and/or the Services by any person, please contact HEN India by email at [email protected] 
  18. Limited License. HEN India hereby grants to Registered Users a limited, personal, revocable, non-sublicensable license to display a single copy of the HEN India Content and the Third-Party Content located on or available through our Websites or Service (excluding any software code therein) solely for your single, personal, non-transferable and non-commercial use in connection with viewing our Websites and using the Services during the term of your registration. All such use is subject to the terms and conditions set forth in this Agreement and may be terminated by HEN India as set forth in this Agreement. Except for User Content posted by you, you may not copy, store, modify, translate, publish, broadcast, transmit, distribute, perform, display, make available, or sell any Site Content for any purpose whatsoever.
  19. Examples of Limitations on Use. Any non-commercial reuse of any portion of the Site Content by a Registered User that falls within what is allowed as “Fair Use” is permitted. In addition to the limitations set forth in Section 18 above (“Limited License”), and by way of example only, no commercial storage, use, reproduction or transmission of any Site Content is permitted under any circumstances. The Websites and the Services may not be used in connection for any commercial purposes except as specifically approved in writing and in advance by an authorized representative of HEN India. Unauthorized framing of or linking to any of our Websites is prohibited. Commercial advertisements and other commercial content, affiliate links, and other forms of solicitation may be removed by HEN India from the Websites and the Services without notice and may result in termination of registration and subscription and denial of access to and use of the Websites and the Services.
  20. Reservation of Rights. HEN India Content and Third-Party Content are protected by copyright, trademark, patent, trade secret and other laws. HEN India and its third-party licensors owns and retains their respective rights, title and interest in and to their respective content subject only to the limited licensed granted to Registered Users as set forth above.
  21. Other Sites. The Websites may contain third-party advertising and/or links to other sites owned by third parties (i.e. advertisers, affiliate partners, strategic partners, or others). However, the inclusion of a link in any of our Websites does not imply HEN India’s investigation, evaluation and/or endorsement of such third party website. We are not responsible for examining or evaluating, and we do not warrant the products or offerings of, any of these businesses, entities or individuals, or the accuracy of the content of their advertising or websites. HEN India does not assume any responsibility or liability for the actions, products, services, and/or content of any such websites. Before you purchase goods or services from a third party and/or use any third-party website, you should review the applicable terms of use and privacy policies for such websites. If you decide to access any such linked websites, you do so at your own risk.
  22. International Use. Due to the global nature of the Internet, you acknowledge and agree that you are obliged to comply with all applicable laws, rules and regulations regarding the access to and use of the Websites and the Services. By way of example only, you acknowledge and agree that you are obliged to comply with all applicable laws regarding the transmission of technical data exported from India or the country in which you reside, and that restrictions on access to and/or use of some Site Content may apply to users based on their place of domicile, residence and/or use.
  23. Registered User Disputes. You are solely responsible for your interactions with other Registered Users. HEN India reserves the right, but has no obligation, to monitor disputes between you and other Registered Users.
  24. Term and Termination. This Agreement, as it may be modified from time to time, shall remain in full force and effect for so long as it is posted on any of the Websites or until terminated by HEN India or by you.
    You may terminate your status as a Registered User and cancel your account at any time and for any reason, by notifying us by email at [email protected] , but any such termination and cancellation will be effective only after HEN India has processed the request. If you cancel your account prior to the expiration of your pre-paid subscription period, you will forfeit the Fees paid for any unused portion of your subscription, which are non-refundable. However, you will be able to continue viewing premium content until the expiration of your current pre-paid subscription period. You also acknowledge and agree that the cancellation of your account is your sole right and remedy with respect to any dispute with HEN India. HEN India reserves the right to suspend or terminate your status as a Registered User, cancel your account, and disable your access to the Websites and Services at any time, with or without notice to you, with or without cause, and without liability to you. HEN India shall have no liability to you or any third party because of such suspension or termination or related action for any reason except as follows: (a) If HEN India elects do so with cause, then no refund of any unused portion of a pre-paid subscription is owing, and (b) if HEN India elects to do so without cause, then HEN India will refund any unused portion of a pre-paid subscription.
    The following sections shall survive any termination of this Agreement, your account, and/or your use of the Service: Section 9 (“Preservation and Disclosure of Account Information and User Content”), Section 12 (“Content”), Section 13 (“Ownership of Content”), Section 14 (“License to Your Content”), Section 16 (“Responsibility for Your User Content”), Section 17 (“Rejection and/or Removal of User Content”), Section 20 (“Reservation of Rights”), Section 21 (“Other Sites”), Section 22 (“International Use”), Section 24 (“Registered User Disputes”), Section 24 (“Disclaimer of Warranties”), Section 26 (“Waiver of Claims”), Section 27 (“Limitation of Liability”), Section 28 (“Severability”), Section 29 (“Indemnity”), and Sections 33 through 38.
    Upon suspension or termination, HEN India shall have no obligation to save any User Content that you may have posted or otherwise provided, and we reserve the right to permanently delete and destroy any of your personal information and/or User Content.
  25. Disclaimer of Warranties. You acknowledge and agree that the Websites and the Services are offered without warranties of any kind whatsoever by HEN India and/or the providers of Site Content. The disclaimer of warranties includes, but is not limited to, the following.
    (a) Your use of the Websites and the Services is at your sole risk. The Websites and the Services are provided on an “as is” and “as available” basis. HEN India and its parent, subsidiaries, affiliates, successors and assigns, and their respective shareholders, officers, directors, employees, agents, partners, licensors, vendors and contractors (collectively, the “HEN India -Related Parties”) expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement, with respect to the service, the websites, and any third party websites with which they are linked.
    (b) The HEN India -Related Parties are not responsible or liable for any loss, damage, injury or health problems that may result from your use of the Site Content and/or other aspects of the Websites and/or the Services, including but not limited to training programs, recipes, products, services, events and/or information that you may learn about on the Websites and/or the Services, and/or any action or inaction on your part as a result of information you have obtained from the Websites and/or the Services. By way of example only, if you engage in any exercise or diet program that you receive or learn about through the Websites and/or the Services, and/or if you use any product or service that you receive or learn about through the Websites and/or the Services, you agree that you do so voluntarily, after consulting an appropriate health professional of your choice, and at your own risk, and you agree to release and discharge the HEN India -Related Parties from any and all claims or causes of action, known or unknown, arising out of the foregoing.
    (c) The HEN India -Related Parties make no warranty that the Websites or the Services, the Site Content, and/or the information, products and services available through the Websites or the Service will meet your expectations or requirements, or that you will achieve any particular results from the use of any of the foregoing, or that the Websites or the Services will be uninterrupted, timely, secure, error-free, or free of any harmless components (including viruses, malware, spyware, or comparable components.
    (d) You expressly assume the risk, by way of example, of deletion, non-delivery or failure to store postings of User Content, communications, personalized settings, or data, and you acknowledge that the HEN India -Related Parties make no warranties regarding the foregoing.
    (e) Any material downloaded or otherwise obtained through the use of our Websites or the Services is accessed at your own discretion and risk, and you will be solely responsible for any loss or damage to your computer system or loss of data that results from the download of any such material.
  26. Waiver of Claims. You hereby waive, release and discharge HEN India from and against any claims that you may be entitled to make by reason of any use of your User Content authorized under this Agreement and/or by reason of your participation in any of the communications and social networking features of the Services, including but not limited to, and by way of example only, any claims based on copyright infringement, trademark infringement, rights of privacy or publicity, defamation and otherwise.
  27. Limitation of Liability. To the fullest extent permitted by applicable laws, HEN India will in no event be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit damages arising from or in connection with any use of the Websites and/or the Services, and/or any website with which they are linked, and/or any content, information, products or services accessible through the Websites and/or the Services, even if any of the HEN India have been advised of the possibility of such losses or damages. Notwithstanding anything to the contrary contained herein, the aggregate liability of the HEN India to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to HEN India for the Services.
  28. Severability. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, in certain jurisdictions, some of the above limitations of liability may not apply to you. In any such case, and/or if any terms or conditions of this Agreement are held to be invalid for any reason whatsoever, this Agreement shall remain in full force and effect on its remaining terms and conditions of this Agreement unless and until terminated by HEN India. Furthermore, if any term or condition of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intentions of the parties as reflected in the invalidated provision
  29. Indemnity. You agree to indemnify, defend, and hold harmless HEN India from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your breach of the terms of this Agreement, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. HEN India will use its reasonable best efforts to notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.
  30. Additional Terms. We may also require you to follow additional rules, guidelines or other conditions (“Additional Terms”) in order to participate in certain promotions or activities available through our Websites, to obtain certain premium Site Content through our Websites, and/or for other reasons. In addition, certain Additional Terms will govern your subscription to the Services and any purchases you make through the online store. These Additional Terms will be posted on the relevant portions of our Websites or on the portions of our Websites that describe the specific promotions, Content, or activities. These Additional Terms are incorporated by reference in this Agreement, and you agree to comply with them when you participate in those promotions, purchase items from our online stores, or otherwise engage in activities governed by such Additional Terms.
  31. Modification and Discontinuation. We reserve the right at any time to modify, edit, delete, suspend or discontinue, temporarily or permanently the Websites and/or the Services, or any portion thereof, with or without notice. You agree that we will not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of the Websites and/or the Services.
  32. Entire Agreement. This Agreement, together with any other terms and conditions referenced herein (including without limitation the Privacy Policy and Additional Terms), constitutes the entire agreement between you and HEN India and governs your use of the Websites and Service, superseding any prior agreements between you and HEN India with respect to the Websites and/or the Services.
  33. Choice of Law and Forum. This Agreement and the relationship between you and HEN India shall be governed by the laws of Karnataka, India without regard to its conflict of law provisions. You and HEN India agree to submit to the personal and exclusive jurisdiction of the courts located within the country
  34. No Waiver. The failure of HEN India to exercise or enforce any right and/or remedy under this Agreement shall not constitute a waiver of such right and/or remedy.
  35. Statute of Limitations. You acknowledge and agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Websites, the Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.
  36. Relationship of the Parties. You and HEN India acknowledge and agree that they are independently contracting parties dealing at arm’s length with each other in connection with the licensing of intellectual property rights and the provision of services. No partnership, joint venture, joint authorship, employment, fiduciary, agency or other relationship is created between them.
  37. Binding on Successors. This Agreement shall be binding on and inure to the benefit of the heirs, executors, administrators, licensees, successors and/or assigns of the parties, as applicable. For avoidance of doubt, you acknowledge and agree that HEN India is fully authorized to assign, sublicense and/or otherwise convey and transfer this Agreement and/or any of its rights under this Agreement at any time, in its sole and absolute discretion, and without compensation of any kind to you.

Notices and Questions. If you have any questions regarding this Agreement, please contact us by email at [email protected] . Except as otherwise specified elsewhere in this Agreement, notices to HEN India may be given at the foregoing email and notices to you may be given at the address provided to us at the time of registration and/or the purchase of goods and services from HEN India.

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MSME Loan Expert

Ramesh Dharmaji

Mr.Ramesh served as Director on Boards of MSMEs/ infrastructure companies, Microfinance Institutions, State Financial Corporations, Venture Capital Companies, Technical Consultancy organisations Micro finance self-regulating organisations. • Superannuated from SIDBI as Chief General Manager in February 2019, but was adviser at SIDBI till May 2020. Currently, he is

  • Strategy Adviser to Tamil Nadu Industrial Investment Corporation, a state level government owned finance institution.
  • Advisor to Indian Bank for start-up financing initiatives
  • Director on Karnataka State Financial Corporation, a state level development institution,
  • Adviser to Global Alliance for Mass Entrepreneurship (GAME)
  • Independent expert at Global Innovation and Technology Alliance (GITA) and Technology Development Board GOIBesides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories.

Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

Ramesh Dharmaji HEN India

Serial Entrepreneur turned Innovation Coach

Naveen Lakkur

Naveen loves to inspire enterprises and entrepreneurs to innovate and guide them to grow in the right direction. In his professional career spanning 25+ years in the industry worldwide, he has co-founded several innovative companies. He has also been a catalyst for 250+ ideas to have become commercial realities.

He is passionate about sharing his practical knowledge of building companies and nurturing ideas. Besides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories. Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

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Influencer & Entrepreneur

Archana Doshi

Archana is passionate about returning back to the basics and "I strongly believe health resides on the dinner table". Her website - www.archanskitchen.com empowers people to cook easily using easy cooking techniques using local and fresh ingredients. In addition the website is enhanced with advanced features like everyday dinner recipe ideas, lunch box ideas, weekly meal plans, diabetic recipes, festival recipes, healthy snacks and much more. What started out in her kitchen over decades ago, Archana’s Kitchen today is India’s leading food and recipe website reaching over 10 million happy users imparting healthy cooking and eating habits. Archana’s Kitchen also launched a range of their own brand of food products. The cake mixes are the first line of products personally crafted by Archana from whole grains like ragi, jowar, barley & whole wheat flour that are packed with proteins, minerals and fibre and yet have all the richness and flavor of a traditional cake. You can shop them at shop.archanaskitchen.com and other online marketplaces like amazon, bigbasket and more to come.

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Archana Doshi Business Leaders & HEN Mentor

Life Coach & Entrepreneur​

Spoorthi Vishwas

Spoorthi Vishwas is an assiduous entrepreneur, social media influencer, blogger, proud mother, and acclaimed South Indian actress, the resolute and determined Spoorthi Vishwas believes. Founder Director of KWAA- Karnataka Woman Achievers Award; IWAA - Indian Women Achievers Award - her coveted brain child that set a new bench mark in women accomplishments and recognition. Spoorthi is also the Founder SHE India Community.

Funding Expert

Aditi Balbir​

Founder of V Resorts – a VC funded management company for boutique stays in India. Scaled to 150+ properties and exited to a strategic player. Top 20 influential women entrepreneurs in India & Winner BW 40 under 40, CNBC Young Women Leader, MPW Fortune Asia, DWEN, Women Economic Forum, UNWTO Community Impact. Written for Economic Times, YourStory, Times of India, World Economic Forum. Travel Blogger & Instagram influencer. MBA, ISB Hyderabad & Duke University.

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Business Leaders Aditi Balbir HEN India

Finance and Accounts Expert

Vijay Ladha

A first gen entrepreneur, chartered accountant, believer of business plan and that numbers help in taking business decisions, pro bono mentor with many entrepreneurship promotion organizations, visiting faculty with Symbiosis University, Bangalore and St. Johns, Medical College, Bangalore, promoter of entrepreneurship if planned with information.

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