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Udyogini Scheme (Karnataka)

Bank loans of up to Rs 3 lakh for women starting a business, with a 30% to 50% subsidy

WomenKarnataka

Updated on 16 Oct 2026

What you get

The Karnataka State Women's Development Corporation's scheme, since 1997-98, helps women become self-employed in trade and services - from bookbinding and food products to tailoring and small shops. For Scheduled Caste and Scheduled Tribe women the unit cost is Rs 1 lakh to Rs 3 lakh with a 50% subsidy on the loan; for general and special category women the unit cost is up to Rs 3 lakh with a 30% subsidy, up to Rs 90,000. Selected women get entrepreneurship development training.

Who can apply

Women aged 18 to 55, permanent residents of Karnataka, who have not defaulted on any loan. Family income must be below Rs 2 lakh a year for SC and ST women and below Rs 1.5 lakh for general and special category women; there is no income limit for widows and disabled women. Preference goes to the very poor, destitute women, widows and disabled women.

Living in Karnataka

How to apply

Get the application form from the Deputy Director or CDPO office, the lending bank, or the KSWDC website, and submit it with your documents and project report to the nearest bank or KSFC branch. The bank checks the proposal, asks the Corporation to release the subsidy, and pays the loan to you or your supplier.

Documents you need

Size your photo and signature for the form with the free tools for exam forms.

Published by a FormMantra administrator from its official page, kswdc.karnataka.gov.in. Confirm every rule and date there before you apply.
Open the official pagekswdc.karnataka.gov.in

Source: myScheme (myscheme.gov.in), Government of India

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