SELOANWOMEN

Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women

The scheme aims to provide self-employment loans to women from minority communities. Financial assistance with a 20% subsidy is provided to widows, divorced women, and abandoned women from minority communities. The scheme is implemented by the KSMDFC.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: केरल

नोडल विभाग: Directorate of Minority Welfare

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

श्रेणियाँ: सामाजिक कल्याण और सशक्तिकरण, बैंकिंग, वित्तीय सेवाएँ और बीमा, कौशल और रोजगार

उप-श्रेणियाँ: Employment services and jobs, Loan, वित्तीय सहायता

लक्षित लाभार्थी: व्यक्तिगत

टैग: Divorce, Women, Loan, Subsidy, Employment, Minority

विवरण

The scheme "Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women" was introduced by the State Minority Welfare Department, Government of Kerala. The scheme aims to provide self-employment loans to women from minority communities. Through this scheme, government financial assistance with a 20% subsidy is provided to widows, divorced women, and abandoned women from minority communities. The scheme is implemented by the Kerala State Minority Development Finance Corporation.

लाभ

- Financial assistance of up to ₹1,00,000/- as a government subsidy
Maximum loan amount of ₹5,00,000/-
The interest rate on the loan amount (excluding subsidy) is 6%. Conditions/Criteria Associated with Benefits: A 20% subsidy (maximum ₹1,00,000/-) is provided on the loan amount
For a loan amount of ₹1,00,000/-, the subsidy is ₹20,000/-
For a loan amount of ₹2,00,000/-, the subsidy is ₹40,000/-
For a loan amount of ₹3,00,000/-, the subsidy is ₹60,000/-
For a loan amount of ₹4,00,000/-, the subsidy is ₹80,000
For a loan amount of ₹5,00,000/-, the subsidy is ₹1,00,000/-. At each stage of disbursement, photos and bills must be submitted. Direct inspection will be conducted at each stage of disbursement. An additional interest of 6% will be charged for misuse of funds

Financial assistance of up to ₹1,00,000/- as a government subsidy.
Maximum loan amount of ₹5,00,000/-.
The interest rate on the loan amount (excluding subsidy) is 6%.

Conditions/Criteria Associated with Benefits:

A 20% subsidy (maximum ₹1,00,000/-) is provided on the loan amount.

For a loan amount of ₹1,00,000/-, the subsidy is ₹20,000/-.
For a loan amount of ₹2,00,000/-, the subsidy is ₹40,000/-.
For a loan amount of ₹3,00,000/-, the subsidy is ₹60,000/-.
For a loan amount of ₹4,00,000/-, the subsidy is ₹80,000.
For a loan amount of ₹5,00,000/-, the subsidy is ₹1,00,000/-.

*At each stage of disbursement, photos and bills must be submitted.
*Direct inspection will be conducted at each stage of disbursement.
*An additional interest of 6% will be charged for misuse of funds.

पात्रता

The applicant must belong to a minority community (Muslim, Christian, Buddhist, Sikh, Parsi, Jain).
The applicant should be a widow, divorced woman, or abandoned woman.
The applicant's age should be between 20 and 60 years.
The applicant's family's annual income should not exceed ₹2,50,000/-.

Preference/Priority

Priority will be given to mothers of children below 18 years of age.
Priority will be given to widows from families identified through the extreme poverty identification survey.

अपवर्जन

The following types of land are not accepted as collateral: Kuzhikanam, Verumpattom, Devaswam Verumpattom, pledged land, and agricultural fields (if patta is not received).
Residential land less than 4 cents will not be accepted as collateral.

आवेदन प्रक्रिया

Offline

Step 1:**** Visit the official website of the Directorate of Minority Affairs and check on "News & Updates". Select the "Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women" and obtain the application form.
Alternatively, you can also visit the official website of KSMDFC and go to the "Application Form" section and select the "Application Form for Widows' Loan Subsidy". Take a printout and fill out the application form.
Step 2:**** Attach the required copies of documents (Income Certificate, Caste/Age Certificate, Certificate proving applicant is a widow/divorced/abandoned woman) for primary verification.
Step 3:**** Submit the filled application form, either directly or by post, to the respective Regional Office of the Kerala State Minority Development Finance Corporation in your district.

*Attend the interview, bringing all original documents mentioned in the "Documents Required - For Interview" section.
*If the loan is approved, submit the additional required documents as per the chosen guarantee type (officer guarantee or property guarantee).
*The loan will be sanctioned as per the Corporation's rules and government regulations

स्पष्टीकरण

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

What is this scheme for, and what kind of support does it offer?: This scheme is for widowed, divorced, and abandoned women to apply for a self-employment loan with a subsidy of up to one lakh rupees from KSMDFC. The scheme aims to help women from specific minority communities start their own businesses.
Which communities are eligible to apply for this self-employment loan scheme?: This scheme is exclusively for women belonging to the Muslim, Christian, Buddhist, Sikh, Parsi, and Jain communities.
What is the maximum subsidy amount I can receive on the loan?: The maximum subsidy available under this scheme is one lakh rupees.
What personal details do I need to provide in the application form?: You need to provide your name, father's name, age, date of birth, address (house name, place, post office, village, panchayat/block/municipality, house number, ward number, PIN), telephone number, Aadhaar card number, and email.
What information is required regarding my educational background and family income?: You need to provide your educational qualification and your family's annual income, with the amount written in figures.
What information is required regarding my educational background and family income?: You need to provide your educational qualification and your family's annual income, with the amount written in figures.
What details should I provide about the proposed project and the loan amount needed?: You should briefly describe the project, specify the total amount required, the amount you have in hand, and the loan amount you are requesting.
Will the application form ask if I or my family members have previously taken a loan from KSMDFC?: Yes, the form asks if you or your family members have taken a loan from KSMDFC, and if so, to provide detailed information.
Do I need to disclose if I have taken loans from other government or private institutions?: Yes, you need to indicate if you have taken loans from the government or other institutions, and provide detailed information if you have.
What information is required if I or my parents own land?: If you or your mother/father owns land, you need to provide details such as the owner's name, type of land (nilam/purayidam), area, survey number, village, taluk, district, and other sources of income from it, like agriculture or employment.
What kind of information is required about the guarantor's property?: If property is used as collateral, details such as the owner's name, type of land (nilam/purayidam), area, survey number, village, taluk, and other income sources from it, like agriculture or employment, are required.
What original documents must I bring when I attend the interview?: You must bring your original Ration Card, Aadhaar Card, Caste/Age certificate (copy of school certificate), Income Certificate, Certificate proving you are a widow, divorced, or abandoned woman, and Permanent Residence Certificate.

आधिकारिक लिंक

संदर्भ

आवेदन करें

अभी आवेदन करें

Divorce Women Loan Subsidy Employment Minority

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।