The Karnataka Udyogini Scheme is one of the most significant self-employment schemes launched by the Government of Karnataka to provide assistance to women entrepreneurs. This scheme helps women start their own businesses by providing them with government subsidies as well as collateral-free loans.
It has been implemented by the Karnataka State Women’s Development Corporation, and its objective is to economically empower women across the entire state.
What is Karnataka Udyogini Scheme
The Karnataka Udyogini Scheme is a women’s entrepreneurship assistance program that was launched in 2015–16. Under this scheme, eligible women can avail business loans of up to ₹3,00,000, along with subsidy benefits.
Its primary objective is to encourage women to become economically self-reliant and to protect them from borrowing from private moneylenders at high interest rates.
Key Highlights of Karnataka Udyogini Scheme
| Feature | Details |
|---|---|
| Scheme Name | Karnataka Udyogini Scheme |
| Launch Year | 2015-16 |
| Beneficiaries | Women of Karnataka |
| Loan Amount | Up to Rs 3,00,000 |
| Subsidy | 50% for SC ST 30% for General |
| Age Limit | 18 to 55 Years |
| Implementing Agency | Karnataka State Women Development Corporation |
| Application Mode | Offline Application Form |
Benefits of Udyogini Scheme
Women beneficiaries will receive the following advantages
- Collateral free business loan
- Loan up to Rs 3,00,000
- 50 percent subsidy for SC ST women
- 30 percent subsidy for general and special category women
- Low interest rate loans
- Free EDP training for 3 to 6 days before loan disbursement
Eligibility Criteria
To apply for the scheme, applicants must meet the following conditions
- A permanent resident of Karnataka
- Age between 18 to 55 years
- Business project cost should be between Rs 1,00,000 to Rs 3,00,000
- Annual income limit
- SC ST category less than Rs 2,00,000
- General category less than Rs 1,50,000
- No income limit for widows and disabled women
Income and Subsidy Details
| Category | Income Limit | Subsidy |
|---|---|---|
| SC ST Women | Up to Rs 2,00,000 | 50% |
| General Women | Up to Rs 1,50,000 | 30% |
| Widow Disabled Women | No Limit | As per eligibility |
List of Businesses Allowed
Under the Udyogini Scheme, women can start various small scale businesses such as
- Tailoring and garment units
- Beauty parlour
- Food processing business
- Retail shops
- Dairy and poultry farming
- Small manufacturing units
Required Documents
Applicants need to submit the following documents
- Aadhaar card
- Birth certificate
- Address proof and income certificate
- BPL card or ration card
- Caste certificate if applicable
- Bank account details
- Mobile number
- Passport size photographs
- Business project report
- Training or experience certificate
- Machinery and equipment quotations
How to Apply for Karnataka Udyogini Scheme
Follow these steps to apply
- Visit the district office of Karnataka State Women Development Corporation
- Collect the free application form
- Fill the form correctly
- Attach all required necessary documents
- Submit the application at the same office
- Officials will verify your application
- Selected beneficiaries list will be prepared
- Loan approval will be sent to the bank
- Loan amount will be credited directly to your bank account
- Subsidy will be transferred to the bank by the government
- Attend EDP training before loan disbursement
Important Links
| Official Portal: | Website apply click here |
| Contact Details | Click here |
Karnataka Udyogini Scheme
Karnataka Udyogini Scheme is a powerful initiative for women who want to start their own business but lack financial support. With collateral free loans and attractive subsidies, this scheme creates a strong opportunity for women to become self reliant and successful entrepreneurs.
If you are eligible, applying for this scheme can be a major step toward financial independence and business success.
