Dlbe

Direct Loans For Business Enterprise

Direct Loans For Business Enterprise Scheme is implemented by Karnataka Minorities Development Corporation Limited. Under this scheme, loans will be provided to eligible entrepreneurs to start or expand their businesses by mortgaging property (building or land).

राज्य नकद

राज्य / केंद्र शासित प्रदेश: कर्नाटक

नोडल विभाग: Minorities Welfare Department

योजना किसके लिए: Infra

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

योजना प्रारंभ तिथि: 2022-01-01

श्रेणियाँ: व्यवसाय और उद्यमिता

उप-श्रेणियाँ: Loan

लक्षित लाभार्थी: व्यक्तिगत

टैग: Buisness Loan, MSME, Minority, Entrepreneurs

विवरण

Direct Loans For Business Enterprise — योजना चित्र

The main objective of this scheme is to provide financial assistance in the form of loans to persons belonging to the State's Religious Minority Communities so as to help them to start their businesses or expand their existing ones.
Under this scheme, loans will be provided to eligible entrepreneurs to start or expand their businesses by mortgaging property (building or land).
Loans will be provided only on a mortgage of property (building/land) to the corporation. The value of the property should not be less than the loan amount.
Business/Enterprise Loan will be given to only one member of a family.
If the applicant's family income is below Rs 8.00 lakhs, then the loan will be provided up to Rs 20 lakhs at a 4% interest rate.
If the applicant's family income is Rs 8.00 lakhs to 15 lakhs, then the loan will be provided up to Rs 20 lakhs at a 6% interest rate.
People belonging to State Religious Minority Communities are covered under this scheme. (State Religious Minority Communities consist of People belonging to Muslim, Christian, Sikh, Buddhist, and Jain Communities).

The following are the eligibility criteria for this scheme

Applicant should be a resident of Karnataka state
Applicant should belong to the minority community
Applicant should belong to a minority community
Applicant Age should be between 18 to 55 years

Business/Enterprise loan will be given to only one member of a family

Specific documents regarding the viability of the business are required while applying for this scheme, and some other Documents are Required After Selection as well.
Documents Required While Applying

Copy of Aadhaar as residential proof
Caste Certificate Issued by the competent authority
Income Certificate Issued by the competent authority
Lease deed/Partition deed/Release deed/Gift deed/Rental agreement/Sale deed of the property
Project report/Profile of activities from CA(Chartered Accountant)
Quotations related to the project
License from respective authorities with respect to property proposed to be mortgaged
Building's Khata extract and Khata certificate or land's Mutation copy.
Phodi/Partition deed with respect to revenue lands and phani-RTC
Encumbrance Certificate-(EC)/Form No.15
Up-to-date tax-paid receipts from the local bodies
Guidance value of the land from the competent authority
No objection from the family members to pledge the title deed, with the family tree
In the case of a building, a Valuation report by a registered valuer- Valuation Certificate
Self-Declaration Form

Documents Required After Selection

Committee Approval Order
Affidavit from Applicant
Joint Affidavit from the Beneficiary & the Guarantor
Demand Promissory Note (DPN)
Hypothecation & Mortgage Deed
Letter of Repayment
Letter of Guarantee
Loan Agreement
Consideration of Receipt
Acknowledgment of debt from the Borrower

लाभ

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Under this scheme, loans will be provided to eligible entrepreneurs to start or expand their businesses by mortgaging property (building or land).

If the applicant's family income is below Rs 8.00 lakhs, then the loan will be provided up to Rs 20 lakhs at a 4% interest rate.

If the applicant's family income is Rs 8.00 lakhs to 15 lakhs, then the loan will be provided up to Rs 20 lakhs at a 6% interest rate.

पात्रता

Applicant should be a resident of Karnataka state
Applicant should belong to the minority community
Applicant should belong to a minority community
Applicant Age should be between 18 to 55 years
Business/Enterprise loan will be given to only one member of a family

आवेदन प्रक्रिया

Online

The application is to be completed in two parts, first online and then offline.

Step 01: First go to the official website, and fill out the application form.

Step 02: Print the application form.

Step 03: Submit this application form along with other relevant documents to the Selection Panel of your concerned district.

Step 04: After the approval of the Selection Panel, the loan amount will be transferred to your bank account.

Offline

Through Banks which are offering MSMEs loans under this scheme. For this, you may directly go to the bank and request for a loan under this scheme.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

Who will get the benefits under this scheme?: People belonging to State Religious Minority Community will receive the Benefits under this scheme.
What are the benefits?: Under this scheme, a loan of Rs.20 Lakhs will be given At Low Interest Rates to persons belonging to minority communities for setting up their Businesses.
What is the rate of interest on the loan?: If The Applicant's Family Income Is Below Rs 8.00 Lakhs, It will be 4%. if the applicant's family income is between Rs 8.00 lakhs-15 lakhs, It will be 6%.
Is there a guarantee needed for getting loan under this scheme?: Loans will be provided only on a mortgage of property (building/land) to the corporation. The value of the property should not be less than the loan amount.
What is the application procedure for this scheme?: The person can request loans by applying online through link https://kmdconline.karnataka.gov.in/Portal/home and then submitting the filled applications along with documents, or they can directly walk-in to the banks to provide them assistance for getting the loans under this scheme.
What are the required documents?: Copy of Aadhaar as residential proof, Caste Certificate Issued by the competent authority, Income Certificate Issued by the competent authority, Lease deed/Partition deed/Release deed/Gift deed/Rental agreement/Sale deed of the property, Project report/Profile of activities from CA(Chartered Accountant), Quotations related to the project, License from respective authorities with respect to property proposed to be mortgaged, Building's Khata extract and Khata certificate or land's Mutation copy, Phodi/Partition deed with respect to revenue lands and phani-RTC, Encumbrance Certificate-(EC)/Form No.15, Up-to-date tax-paid receipts from the local bodies, Guidance value of the land from the competent authority, No objection from the family members to pledge the title deed with the family tree, In the case of a building, Valuation report by a registered valuer and Valuation Certificate, Self-Declaration Form
How to obtain Self-declaration form, caste certificate, and RTC?: All these documents can be obtained online. The links are as under: The link for Self-Declaration Form - https://kmdconline.karnataka.gov.in/API/ProjectFiles/DocumentTypes/Self-Declaration-Applicant1.pdf The link to get a Caste Certificate is - https://sevasindhu.karnataka.gov.in/Category/Caste%20Certificate.html The link to get RTC is - https://landrecords.karnataka.gov.in/Service2/

परिभाषाएँ

State Religious Minority Community

आधिकारिक लिंक

संदर्भ

आवेदन करें

अभी आवेदन करें

Buisness Loan MSME Minority Entrepreneurs

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
Bank Account Details
Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।