YSR Zero Interest Loan Scheme 2024; How to Apply Online, Beneficiary List Status

Under the governance of CM Jagan Mohan Reddy, the Government of Andhra Pradesh launched the scheme, YSR Zero Interest Loan Scheme. The scheme aims to grant interest-free loans to the women of the state. Nowadays, women in huge numbers are coming forward to establish various Self Help Groups (SHGs) and help society and encourage other women to be self-reliant. The scheme is also extended for the women belonging to the DWCRA (Development of Women and Children of Rural Area) associations and affiliations.


Read the article below to gather all information and updates regarding the Andhra Pradesh YSR Zero Interest Loan Scheme. We have covered all the major topics, such as objectives, benefits, eligibility criteria, and the application procedure of the scheme.

YSR Zero Interest Loan Scheme 2024

Andhra Pradesh Chief Minister Shri Jagan Mohan Reddy promised the scheme to the common public during his election rallies. Due to the coronavirus crisis and the pandemic that prevailed afterward, the public was very doubtful whether the promise will be fulfilled or not. To everyone’s surprise, CM kept his promise and transferred Rs. 1400 crores under the scheme to reimburse the interest for over 91 lakh women belonging to the Self Help Groups and DWCRA associations. Almost, 8.78 lacs of different SHGs were benefitted from the scheme.

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Andhra Pradesh YSR Zero Interest Loan Scheme primarily focuses on the development and economic empowerment of deserving and eligible women across the state. Under the scheme, interest-free loans, that is, the selected list of beneficiaries, will be granted bank loans at zero percent interest. The amount of loan interest will be borne by the govt. itself. The beneficiaries include the hardworking and deserving women of the SHGs and DWCRA organizations.

YSR Zero Interest Loan Scheme: Information

Article CategoryAP Govt. Scheme
Name of the Scheme YSR Zero Interest Loan Scheme
వైయస్ఆర్ జీరో వడ్డీ రుణ పథకం
StateAndhra Pradesh
AuthorityGovernment of Andhra Pradesh
Launched by CM Jagan Mohan Reddy
BeneficiariesWomen of DWCRA and Self Help Groups (SHGs)
ObjectiveEconomical Empowerment of Women of Andhra Pradesh
Mode of Applicationto be announced
Application Status to be announced
Official Website to be released soon

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Objectives of AP YSR Zero Interest Loan Scheme

Andhra Pradesh CM launched the scheme to empower the women of the state economically to make them self-reliant. With this scheme, the women of the state will be provided with enough opportunities to create better working surroundings and grow in their respective fields. The scheme primarily focuses on the women belonging to the Self Help Groups (SHGs) and DWCRA (Development of Women and Children of Rural Area) associations. The beneficiaries who wish to avail of financial loans from the banks will be granted loans at zero percent interest, meaning they just need to repay the amount lend not the interest charged over the availed sum.

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Benefits of AP YSR Zero Interest Loan Scheme

Encouraging women across the state towards the path of self-sustainability, the govt. of Andhra Pradesh launched the scheme. This scheme is very helpful as it enables the eligible beneficiaries to avail of interest-free loans from the various reputed banks. Besides, the following list contains some of the considerable and crucial benefits of the scheme.

  • All the beneficiaries selected under this scheme will be able to avail the bank loans at zero percent interest.
  • Women or groups can utilize this cash to revamp their existing strategies and policies.
  • With the upgraded policies and scheme plans, the administration of these groups and associations can be improvised.
  • The beneficiaries need not pay any interest over their acclaimed loan amount.

Implementation of AP YSR Zero Interest Loan Scheme

Andhra Pradesh YSR 0 Interest Loan Scheme will transfer the interest reimbursement amount to the bank accounts of the selected list of beneficiaries. In April 2020, AP CM Jagan credited Rs. 1400 crores to benefit over 91 lakh eligible women of SHGs under the scheme. The scheme wholly benefitted around 8.78 lakh women of the SHGs and DWCRA associations.


The women expressed their extreme happiness and thanked Chief Minister to help them during such difficult times of the COVID-19 pandemic. This turned out to be very beneficial for them to survive the coronavirus crisis in financial terms.

Who can apply for AP YSR Zero Interest Loan Scheme?

As mentioned earlier, the scheme is open for a specific list of women only. In order to be able to avail of the benefits of the YSR 0 Interest Loan Scheme, the applicants must fulfill all the eligibility criteria enlisted below.

a) Only the women candidates can apply for this scheme.
b) All the applicants must be natives of the Andhra Pradesh state.
c) The applicant must be an active member of any Self Help Group or DWCRA association.
d) A working bank account is obligatory so as to apply for the scheme.

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How can I apply for YSR Zero Interest Loan Scheme

The Govt of Andhra Pradesh launched this scheme amidst the unprecedented times of the COVID-19 pandemic on 24th April 2020. Presently, the govt has not yet suggested any application procedure for the YSR 0 Interest Loan Scheme. The beneficiaries need to wait till an online portal or some offline procedure is established for the same. As soon as the officials announce it, we will update you regarding it. Revisit this page for regular updates on the scheme.

List of Documents Required

Although a proper application process for the scheme has not been yet finalized, still an expected list of documents that might be required at the time of application is enlisted below.

a) AP YSR Zero Interest Loan Scheme Application Form
b) Aadhar Card
c) Residential Proof
d) Domicile Certificate
e) Bank account details
f) Income Certificate
g) Recent photographs

Other Women Welfare Schemes in Andhra Pradesh

Apart from the YSR Zero Interest Loan Scheme in Andhra Pradesh, the state govt is offering other welfare schemes for the women of the state. In the subsequent section, we have concluded the major aspects of all these schemes.

A. YSR Kapu Nestham Pathakam

Under YSR Kapu Nestham Scheme, all the women related to the Kapu, Ontari, Balija, and other sub-communities and belong to the age group of 45 years- 60 years will be considered eligible for this scheme. An amount of Rs. 15,000 will be disbursed to these beneficiaries on a yearly basis over a time period of five years. This will enable the concerned women to expand their livelihood prospects and uplift their standards of living.

B. YSR Cheyutha Scheme

To empower women, another scheme by the Govt of Andhra Pradesh has been launched. The name of the scheme is YSR Cheyutha Scheme. Under this scheme, the women of the minority communities, Scheduled Castes, Scheduled Tribes, or Other Backward Classes are offered financial assistance of Rs. 18,750 annually for the time course of four years. Only those women will be entitled to the benefits of the scheme who fall within the age limits of 45-60 years. Enhancing the cattle business is the prime objective of the scheme.

C. YSR Sunna Vaddi Scheme

Another women welfare scheme launched by Andhra Pradesh Govt is YSR Sunna Vaddi. This scheme provides interest-free loan credits to the elderly women of the state working as an active members of any Self Help Group. All such beneficiaries can be self-supporting economically. Interested women must belong to the BPL category and the bank account credit amount must not exceed the limit of Rs. 5 lacs.

D. Jagananna Amma Vodi

It is a flagship scheme initiated by the Government of Andhra Pradesh as a part of Navaratnalu. Under this scheme, financial aid of Rs. 15,000 on a yearly basis is granted to an eligible BPL mother for the education of her child or children from class I to class XII. Almost every school (govt or private) across the state accepts the students selected through the scheme. Also, the scheme is implemented irrespective of caste, creed, region, or religion of the mother.

About AP Navasakam Portal

The Government of Andhra Pradesh launched an online portal, known as Navasakam Portal @navasakam.ap.gov.in in 2019. The portal is an integrated portal to access the various welfare schemes offered by the AP Govt. At present, the portal proposes twelve different schemes, namely

a) YSR Cheyutha Scheme
b) YSR Sunna Vaddi Scheme
c) YSR Pension Kanuka Card
d) YSR Aarogyasri Card
e) YSR Kapu Nestham
f) YSR Nethanna Nestham
g) YSR Vahan Mitra
h) Jagananna Amma Vodi
i) JVD (RTF) and JVD (MTF)
j) Rice Card
k) Honorarium – Imams, Pastors, Muazams, and Archakas
l) Financial Assistance to Nayee Brahmins, Rajakas, and Tailors


The common public was relieved on the launch of the portal, as it became very easy for them to navigate about the schemes under a single portal only. Also, there is no need for the people of the state to visit any notary office to apply for the concerned scheme. All the application processes have been digitalized. Also, the verification and identification of the beneficiaries will also be organized via door to door survey by the concerned officials.

Important Links

Official Website of YSR Zero Interest Loan Scheme**Click here
Online Application Form*Click here
Check Beneficiary Status*Click here
Official Website of AP GovernmentClick here
Official Website of Navasakam PortalClick here
*The links for these events and portals will be available soon as they are not activated or established yet.

Frequently Asked Questions

What is YSR Zero Interest Loan Scheme?

Under this scheme, the women of various Self Help Groups and DWCRA organizations are granted bank loans at zero percent interest.

How can I apply for the YSR Zero Interest Loan Scheme for women?

As of now, there is no online or offline application procedure decided by the govt for the scheme. We will let you know as soon as it is announced by the concerned authorities.

How to repay the loan amount?

The selected list of women needs to repay the loan amount in a regular manner, i.e. installment wise and do not require to pay any interest amount over the claimed sum.

In how many installments do I need to repay the acclaimed sum?

The amount for each installment will depend on the sum availed and the tenure of the loan. Your respective bank will decide these parameters.

How can I check for the Beneficiary List for the Andhra Pradesh Zero Interest Loan Scheme?

The beneficiary list and status for the scheme are most likely to be available on the official portal of the scheme once launched.

What is the helpline number of the AP Zero Interest Loan Pathakam?

As of now, no helpline number has been assigned for the scheme by the concerned authorities.

For more information and regular updates on the Andhra Pradesh YSR Zero Interest Loan Scheme 2024, save this page. In case of any queries or doubts, let us know in the comment section below. Our team will try to respond with a relevant solution as soon as possible.

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