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Social welfare & Empowerment; Business & Entrepreneurship; Women and Child

Udyogini Scheme

Udyogini is an innovative scheme to assist women in gaining self-reliance and economic independence through self-employment, mainly through trade and the service sector. It also provides for a subsidy on loans for undertaking business activities/ micro enterprises through banks, etc.

Authority

State

Region

Karnataka

Status

Verified 2026

Updated

March 2026

What you get

Who can apply

The applicant should be a woman.; The family income of the applicant should be less than ₹ 1,50,000/- for women belonging to general and special categories. No limit on family income for widowed or disabled women.; The age of the applicant should be between 18 to 55 years for all categories.; The applicant should be a permanent resident of Karnataka.; The applicant should not have defaulted on any past loan with any financial institution.; Preference must be given to the extremely poor, destitute, widow, and physically challenged.; In addition, preference may be given to candidates who have undergone prior skill development training or vocational training conducted by any KSWDC or any other department.; About 10% of the allocated target has been earmarked to benefit applicants of members of World Bank-assisted Swashakthi or Stree Shakthi groups.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What Is The Udyogini Scheme In Karnataka?

The Udyogini scheme is a flagship initiative launched by the Government of Karnataka to provide financial assistance to women entrepreneurs and promote their participation in the state's economic development.

Who Is Eligible To Apply For The Udyogini Scheme?

Women entrepreneurs aged between 18-55 years and belonging to families below the poverty line are eligible to apply for the scheme.

What Is The Maximum Loan Amount That Can Be Availed Under The Udyogini Scheme?

The maximum loan amount that can be availed under the scheme is Rs. 50,000 for the manufacturing sector and Rs. 2,00,000 for the service sector.

What Is The Interest Rate For Loans Availed Under The Udyogini Scheme?

The interest rate for loans availed under the Udyogini scheme is 6%.

What Is The Repayment Period For Loans Availed Under The Udyogini Scheme?

The repayment period for loans availed under the Udyogini scheme is 36 months, which includes a moratorium period of 6 months.

What Is The Processing Fee For Loans Availed Under The Udyogini Scheme?

There is no processing fee for loans availed under the Udyogini scheme.

Can Women Entrepreneurs Who Have Already Availed Loans From Other Sources Apply For The Udyogini Scheme?

Yes, women entrepreneurs who have already availed of loans from other sources can apply for the Udyogini scheme.

Can Women Entrepreneurs From Urban Areas Apply For The Udyogini Scheme?

Yes, women entrepreneurs from urban areas can also apply for the Udyogini scheme.

What Is The Age Limit For Co-Applicants In The Udyogini Scheme?

There is no age limit for co-applicants in the Udyogini scheme.

How Can Women Entrepreneurs Apply For The Udyogini Scheme?

Women entrepreneurs can apply for the Udyogini scheme by filling up the application form available at the District Industries Centers (DICs) or at the Karnataka State Finance Corporation (KSFC).

What Documents Are Required For Applying To The Udyogini Scheme?

The documents required for applying to the Udyogini scheme include a duly filled application form, passport-sized photographs, identity proof, address proof, BPL certificate, educational qualification certificate, and project report.

Can Women Entrepreneurs Apply For The Udyogini Scheme Online?

No, currently, there is no provision for applying for the Udyogini scheme online.

What Is The Selection Process For Availing Loans Under The Udyogini Scheme?

The selection process for availing loans under the Udyogini scheme involves scrutiny of applications by the DICs and KSFC, followed by verification of the applicant's credentials, and personal interviews.

How Long Does It Take For Loans To Be Sanctioned Under The Udyogini Scheme?

Loans are generally sanctioned within 15 days of the completion of the application process.