Understanding Karnataka Kayaka Yojana 2025
Karnataka Kayaka Yojana 2025 is made to support the growth of women’s self-help groups (SHGs) in Karnataka by offering them interest-free or low-interest loans. This scheme helps SHGs get financial support from cooperative banks to promote self-employment among women. If you’re part of an SHG or want to start one, this scheme can help you get loans up to Rs. 10 lakh from the government at very low interest rates.
Overview of Karnataka Kayaka Yojana 2025
The Karnataka government, led by Chief Minister HD Kumaraswamy, started this scheme in January 2024. It supports women’s SHGs by giving loans without interest or at subsidized rates to help women create jobs and improve their financial situation. This scheme is part of the state’s bigger plans to boost entrepreneurship and social welfare for women.
Scheme Details
| Scheme Name | Karnataka Kayaka Yojana |
| Launched | January 2024 |
| Launched By | Karnataka State Government |
| Inaugurated By | CM HD Kumaraswamy |
| Application Mode | Online |
| Loan Amount | Up to Rs. 10 Lakhs |
| Interest Rate | Up to Rs. 5 Lakhs – 0%, Rs. 5 to 10 Lakhs – 4% |
Main Objectives of Karnataka Kayaka Yojana
This scheme aims to give financial help to women and SHGs, create self-employment chances, and strengthen these groups. It makes it easier for SHGs to get bank loans and work towards improving their lives and communities.
Main Benefits of the Scheme
- Women and SHGs get help in starting businesses and self-employment activities.
- Financial support can improve your family’s income and economic situation.
- Loans up to Rs. 5 lakh are completely interest-free, reducing financial pressure.
- Loans between Rs. 5 lakh and Rs. 10 lakh come with a low interest rate of 4%.
- Loans are given through cooperative banks supported by the government.
- The maximum loan amount is Rs. 10 lakh for each SHG.
- The government will buy products made by SHG members, ensuring a steady income.
Who Can Apply? Karnataka Kayaka Yojana Eligibility Criteria
- You must be a permanent resident of Karnataka.
- Only registered members of Self-Help Groups in Karnataka can apply.
- The monthly household income should be less than Rs. 20,000.
Required Documents
- Proof of residence in Karnataka.
- ID proof like Aadhar card.
- Bank account details.
- Membership certificate of your Self-Help Group.
- Income certificate.
- Applicant’s photograph.
How to Apply for Karnataka Kayaka Yojana 2025
- Go to the official Karnataka government website to register for the scheme.
- Sign up yourself or your SHG to get access to the online application form.
- Fill out the form carefully with all needed details.
- Submit the application and wait for confirmation from the authorities.
- Once your registration is successful, the loan amount will be directly credited to your bank account.
If you want to strengthen your SHG and get financial help, Karnataka Kayaka Yojana 2025 is a great option. Keep an eye on official sources for updates about the application process and any new information.