The Sahayahastham Scheme is a special loan program started by the Kerala government to support women self-help groups across the state. Around 22 lakh women are expected to benefit from this scheme in 2025. In this article, you will find out about the Kerala Sahayahastham Scheme 2025, including who can apply, how to apply online, and the benefits it offers.
Overview of Kerala Sahayahastham Scheme 2025
This scheme helps women self-help groups in Kerala by giving them easy loans. The government wants to strengthen these groups by supporting their financial needs. You can apply for the scheme online by following a simple step-by-step process. The scheme offers several benefits made especially for women in these self-help groups.
How Does Kerala Sahayahastham Scheme Work?
The Kerala government gives loans to women self-help groups and lets them track their repayments through an established process. Nearly 3,00,000 neighborhood self-help groups are part of the scheme, with an average loan size of ₹4.5 lakh. The repayment rate is excellent, at over 98%. An interest subsidy of around ₹350 crore is included to help the groups.
Women self-help groups can borrow amounts between ₹5,000 and ₹20,000. The state government pays 9% interest on these loans. The repayment period is 3 years, with no need to pay installments during the first 6 months. So far, about 22.7 lakh beneficiaries have used this scheme, with a total fund allocation of ₹2,000 crore.
Kerala Sahayahastham Scheme 2025 Details
| Scheme Name | Sahayahastham Interest-Free Loan Scheme (CM Helping Hand Loan Scheme) |
| Launched By | Pinarayi Vijayan |
| Beneficiaries | Women neighborhood self-help groups |
| Benefits | Financial loan support with interest subsidy |
| Official Website | – |
Main Features of Kerala Sahayahastham Scheme 2025
- Aims to provide financial support to rural self-help and women’s neighborhood groups.
- No interest charged on the loan amount given to the groups.
- Groups can apply for loans up to ₹20,000 under this scheme.
- Repayment must be done within 3 years from loan approval.
- No repayment needed during the first 6 months after loan is given.
- Loan amount is directly transferred to the group’s bank account through DBT.
- Simple online registration makes applying easy and convenient.
- The Kerala government has allocated ₹20,000 crore to support eligible neighborhood groups.
Who Can Apply? Eligibility Criteria
- Must be a legal and permanent resident of Kerala.
- Must be a member of a women’s self-help group.
- The self-help group must be officially registered.
- Applicant should have a bank account in their name.
Documents Needed for Application
- Address proof (such as Aadhaar card, ration card)
- ID proof (such as voter ID, Aadhaar card)
- Registration certificate of the self-help group
- Bank account details
How to Apply for Kerala Sahayahastham Scheme 2025
Currently, detailed information about the Kerala Sahayahastham Scheme online application process is not fully available. The Kerala government recently started this scheme, and officials have not yet announced the application dates. Once the registration begins, we will update the full step-by-step application process here. So, keep an eye out for the latest updates.
Checking State Level Consolidation Report
You can check the list of self-help group members by following these steps:
- Visit the official website.
- Click on the CMHLS-State Level Consolidation option on the homepage.
- District-wise lists of neighborhood self-help group members will appear on your screen.
Checking Daily Reports
To see daily updates related to the scheme:
- Go to the official website.
- Select the Daily Reports tab.
- You can see the latest reports and download them if you want.
Checking Bank Wise Account Status
To know the status of accounts linked with the scheme:
- Visit the official website.
- Click on the Bank Wise NHG Account Status tab.
- Details of bank accounts and their current status will be shown.
If you want more updates on Kerala Sahayahastham Scheme, stay connected. We will share new information as soon as the Kerala government releases it.