Kerala Saranya Self Employment Scheme – The Government of Kerala has introduced various schemes to empower women, particularly those from backward and marginalized groups. The latest initiative is the Kerala Saranya Self Employment Scheme. This scheme assists women in need, such as widows, uneducated women, and divorced individuals, by providing them with loans for self-employment. In this article, we will cover everything you need to know about the Kerala Saranya Self Employment Scheme, including its objectives, benefits, eligibility requirements, necessary documents, application process, and more.
Overview of Kerala Saranya Self Employment Scheme 2025
The Kerala Saranya Self Employment Scheme aims to provide interest-free loans up to Rs 50,000 for backward and marginalized women in Kerala, specifically from scheduled tribes, including widows, uneducated women, and divorced individuals. The government will grant financial assistance in the form of subsidies, with Rs 25,000 provided by the Government of Kerala. Both individual and joint business owners are eligible to apply.
Objectives of the Scheme
The primary goal of the Kerala Saranya Self Employment Scheme 2025 is to support the self-reliance of backward and marginalized women in Kerala. By providing them with financial assistance of Rs 50,000, the government encourages them to establish their businesses and gain economic independence.
Key Highlights of Kerala Saranya Self Employment Scheme
| Name Of The Scheme | Kerala Saranya Self Employment Scheme |
| Launched By | Government Of Kerala |
| Beneficiary | Women Of Kerala |
| Objective | Provide Loans For Business Initiatives |
| Official Website | Click Here |
| Financial Assistance | Rs 50,000 |
| Year | 2025 |
Implementation Process
- Eligible applicants can obtain the application form from the local employment exchange.
- They must submit a detailed project report and an income certificate from the village officer.
- An initial verification will be conducted to check the accuracy of the submitted documents.
- Applications submitted at the town employment exchange will be forwarded to the district exchange for further processing.
- The verified application will then be sent to the district committee for loan approval, chaired by the district collector.
- Once sanctioned, the loan amount will be credited directly to the applicant’s bank account.
Monitoring of the Scheme
- District and town employment officers will monitor the implementation of the scheme.
- The director of employment oversees the scheme as the controlling officer.
- Beneficiaries must repay the loan in scheduled installments.
- If payments are missed, reminders will be issued, and recovery procedures may commence if there is no response.
Advantages and Features of the Scheme
- Provides financial assistance through interest-free loans.
- Available to widows, uneducated, and divorced women from scheduled tribes.
- The government contributes Rs 25,000 as a subsidy.
- No collateral is required to secure the loan.
- Loans can exceed Rs 50,000 under special conditions.
- The scheme fosters self-sufficiency and entrepreneurship among women.
Conditions for Loans Above Rs 50,000
To obtain loans exceeding Rs 50,000, beneficiaries need to contribute 10% of the additional amount as their share and will incur a 3% interest fee. Additionally, successful ventures that have repaid at least 50% of their initial loan may apply for extra funding up to 80% of the original amount at a concessional interest rate.
Eligibility Criteria
- Applicants must be unemployed women aged 30 and above, including widows, divorced women, and single mothers from scheduled tribes.
- Annual family income must not exceed Rs 100,000.
- Preference will be given to those with professional or technical qualifications.
Documents Required for Application
- Aadhar card
- Ration card
- Proof of age
- Residency proof
- Bank account details
- Mobile number
- Passport-sized photo
Application Process for Kerala Saranya Self Employment Scheme
To apply for the scheme, follow these steps:
- Visit the official website of the national employment service.
- Click on Online Services on the homepage.
- Select Register as a Job Seeker.
- Fill in the application form with the required information including name, date of birth, mobile number, etc.
- Create your account and login using your credentials.
- Once logged in, apply for the Kerala Saranya Self Employment Scheme by filling out the application form and submitting it.
Downloading Application Form and Other Documents
- Go to official website and click on the Download tab.
- Find the Forms link to access the application forms.
- Click on the Saranya Form to download it.
Contact Information
For further assistance regarding the Kerala Saranya Self Employment Scheme, you can reach out via the following contact details:
- Contact Number: 0471-2301389
- Email ID: deker.emp.lbr@kerela.gov.in
If you have any questions or require more information, please don’t hesitate to contact the helpline or send us an email for support!