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മലയാളം
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This scheme aims to promote self-employment among women belonging to variouscategories by providing financial assistance for viable projects. Any project with asustainable and feasible business model will be considered under this scheme. Eligible beneficiaries are expected to contribute their share and utilize the sanctionedassistance, along with the loan amount, for implementing the proposed project.
In order to address the microfinance needs of small entrepreneurs belonging to thetarget group, the Corporation has introduced a Micro Finance Scheme implementedthrough the help of various national corporation and own fund.Under this scheme, loan disbursement is preferably carried out through Self-HelpGroups (SHGs). This group-based lending model encourages mutual accountability,fosters peer support, and ensures the efficient and responsible utilization of funds.
| Sl. No. | Category | National Corporations | Maximum Amount (CDS/Beneficiary) | Interest Rate (CDS–Beneficiary) | Repayment Period |
|---|---|---|---|---|---|
| 1 | Minority Community | NMDFC |
CDS - Upto 3 crs Beneficiary – Maximum up to 1 Lakh For Scheduled Tribe Community - 50000/Ben & 5 lakh/SHG General Category - 50000/Ben |
5–6% | 3 Years |
| 2 | Backward Class Community | NBCFDC | 6–7% | 2.5 Years | |
| 3 | Scheduled Castes Community | NSFDC | 5–6% | 3 Years | |
| 4 | Scheduled Tribes Community | NSTFDC | 5–6% | 3 Years | |
| 5 | Safai Karamcharies Community | NSKFDC | 4-5% | 3 Years | |
| 6 | General Category | Own Fund | 7–8% | 3 Years |
The Educational Loan Scheme has been introduced with the objective of facilitatingjob-oriented education for individuals belonging to various categories, particularlythose from economically and socially disadvantaged backgrounds. The scheme aims to support access to professional, technical, and skill-based education to enhanceemployability and promote self-reliance.
| Category | National Corporations | Annual Income | Loan Amount | Interest Rate | Repayment Period | Age | |
|---|---|---|---|---|---|---|---|
| India | Abroad | ||||||
| Backward Classes Community | NBCFDC | 3 lakhs | 25 lakhs | 25 lakhs | 8% | 5 yrs | 16–32 |
| Minority Community | NMDFC (Credit Line 1) | Upto 3 lakhs | 20 lakhs | 30 lakhs | 3% | 5 yrs | 16–32 |
| NMDFC (Credit Line 2) | 3–8 lakhs | 20 lakhs | 30 lakhs | 5% | 5 yrs | 16–32 | |
| Scheduled Caste | NSFDC | 3 lakhs | 40 lakhs | 40 lakhs | 6.5% | 5 yrs | 16–32 |
| Scheduled Tribes | NSTFDC | 3 lakhs | 10 | Nil | 6% | 5 yrs | 16–32 |
| Safayi Karamcharis | NSKFDC | 3 lakhs | 10 | 20 | 5.5%–6.5% | 5 yrs | 16–32 |
| Sl. no. | Scheme | Loan Amount | Annual income | Interest rate | Repayment period | Age limit |
|---|---|---|---|---|---|---|
| 1 |
Transgender Loan |
TL- 3,00,000/- MFS- 5,00,000/ Group | 3,00,000 | No Limit | 5 yrs | 18-55 |
Until 2014, transgender individuals in Kerala, as in many parts of the world, often faced social exclusion, ridicule, and discrimination. However, with growing awareness and progressive policy interventions, a visible shift began—bringing transgender persons closer to mainstream inclusion.Compared to many other states in India, Kerala has shown greater sensitivity and commitment toward the welfare and empowerment of transgender individuals. While employment opportunities have slowly begun to emerge, especially through government initiatives like Kochi Metro and programs under Kudumbashree, a significant portion of the transgender community continues to face economic challenges.
To address this gap, the Kerala State Women’s Development Corporation (KSWDC), with financial support from the Department of Social Justice, is providing self-employment loans of up to ₹3 lakhs to transgender individuals. These loans are offered under the Corporation’s existing lending framework and are intended to help transgender persons launch their own enterprises, thereby improving their quality of life and financial independence.So far, 55 transgender individuals have benefited from this scheme, successfully availing loans to start small-scale self-employment ventures.
The NORKA VanithaMithra Scheme is a self-employment loan program jointly implemented by the Kerala State Women’s Development Corporation (KSWDC) and NORKA Roots, aimed at supporting women who are returning to Kerala after working or residing abroad.
This initiative is designed to assist returnee women migrants in establishing sustainable self-employment ventures by providing access to loans of up to ₹30 lakhs.Eligible applicants are women who have worked or stayed abroad for a minimum period of two years. The scheme also includes attractive financial incentives:
The loan will be sanctioned only upon final approval from NORKA Roots, and the loan amount and interest rates will be determined based on the guidelines of the respective National Financial Development Corporations.The scheme aims to support a minimum of 1,000 women beneficiaries per financial year, thereby fostering economic reintegration and empowerment of returning women migrants.
| Category | National Corporations | Scheme | Annual Income | Loan Amount | Interest Rate | Repayment Period | Age |
|---|---|---|---|---|---|---|---|
| Backward Classes Community | NBCFDC | Individual Loan Scheme - 1 (Term Loan) | 3 lakhs | Up to 1.25 lakhs | 7% | 4 yrs | 18–55 |
| Individual Loan Scheme - 2 (Term Loan) | 3 lakhs | 1.25–25 lakhs | 8% | 5 yrs | 18–55 | ||
| Minority Community | NMDFC | Credit Line 1 (TL) | Up to 3 lakhs | Up to 20 lakhs | 6% | 5 yrs | 18–55 |
| Credit Line 2 (TL) | 3–8 lakhs | Up to 30 lakhs | 6% | 5 yrs | 18–55 | ||
| Virasat | Credit Line 1 | Up to 3 lakhs | 10 lakhs | 4% | 5 yrs | 18–55 | |
| Credit Line 2 | 3–8 lakhs | 3–8 lakhs | 5% | 5 yrs | 18–55 | ||
| Scheduled Caste | NSFDC | Term Loan | 3 lakhs | 1.25–45 lakhs | 8% | 5 yrs | 18–55 |
| Scheduled Tribes | NSTFDC | AMSY (Aadivasi Mahila Sashaktikaran Yojana) | 3 lakhs | Up to 2 lakhs | 4% | 5 yrs | 18–55 |
| Sl. no. | Scheme | Loan Amount | Annual income | Interest rate | Repayment period | Age limit |
|---|---|---|---|---|---|---|
| 1 |
General Scheme (Self-Employment Loan Scheme) |
5 lakhs | 8 lakhs | 8% | 5 yrs | 18–60 |
| 2 |
BC Credit Line II (Self-Employment Loan Scheme for backward classes) |
5 lakhs | 3–8 lakhs | 8% | 5 yrs | 18–60 |
| 3 |
Vidya Mithra (Education Loan for General category or Forward classes) |
10 lakhs | 3 lakhs | 7.5% | 5 yrs | 16–32 |
| 4 |
Small Loan Scheme (street vendors, small business, single mothers) (Self-Employment Loan Scheme for all category) |
50,000/- | 1,20,000/- | As per the guidelines of NC & KSWDC | 5 yrs | 18–55 |
| 5 |
Transgender Loan |
TL- 3,00,000/- MFS- 5,00,000/ Group | 3,00,000 | No Limit | 5 yrs | 18-55 |
