Karnataka Udyogini Scheme 2026 – Check Eligibility Requirements & How to Apply for Loan?

Karnataka Udyogini Scheme 2026: Udyogini is an exclusive program which was introduced in the year 1997-1998 by the Government of Karnataka and updated in 2004-2005. It aims at helping women to be self-reliant and financially independent by engaging in self-employment, especially on trade and services. It provides endowments on progressions of the Karnataka Express Ladies Improvement Partnerships on ladies initiating organizations or miniature ventures with banks and other financial institutions. Udyogini scheme karnataka apply online 2026 Loans are provided by many sources which include RRBs, commercial banks, and many cooperative banks. This led to the need to have formal credit options among women.

The plan maintains various positive ventures such as bookbinding, journal assembling, chalk and colored pencil manufacturing, jam and jam manufacturing, papad manufacturing, saree and weaving manufacturing, material printing and coloring, and so on. Udyogini gives women chances to open their businesses. As well, a new program has been introduced in India to help women in the business by lending up to 3 lakh rupees to people whose yearly earnings are lower than 1.5 lakh rupees to enable them establish their own businesses. The Women Development Corporation of the Indian government supervises the Udyogini Scheme 2026 that provides women a chance to establish their own businesses such as tailoring services, beauty parls and catering services.

Udyogini Scheme 2026: An Overview

Particulars	Details
Interest rate	Competitive, subsidised, or waived for specific qualifying cases
Amount to be given	Available for a maximum amount of Rs. 3,00,000.00
Annual family income	Annual income of Rs. 1,50,000.00 or less
Anyb mortgage	No mortgage is needed to apply for the scheme
Mode	Offline/Online
Processing fee	No processing fee

Benefits of the Udyogini Scheme 2026

• Between 1,00,000.00 and 3, 00, 000.00, women belonging to Scheduled castes and tribes can loan.
• The loans will receive a fifty percent subsidy and the highest annual family income is two million rupees.
• The highest advance amount is 3,00,000 amongst ladies in unique and general classes.
• The subsidy given to these women is 30 or a maximum of 90,000.
• The selected ones are those who are efficient enough to receive the training on the Entrepreneurship Development Program (EDP) according to their eligibility.
• By offering simple financing and training, the Udyogini2026 scheme assists women to commence and operate businesses.
• Women entrepreneurs such as widows and those with disabilities can take loans at no interest as loans to buy microbusinesses.
• The grants assist the women in launching businesses and inclusiveness in growth.
• Agriculture is one of the 88 small-scale industries that can avail the financial assistance of the scheme.

Eligibility requirements for Udyogini Scheme 2026

• There is a requirement of female applicants.
• The income of the family ought to be lower than Rs. 1, 50, 000/- by both general and special categories of women.
• There are no income restrictions that exist with women who are disabled or widowed.
• In each category, the age of an applicant should be 18-55 years.
• The candidate must also be a resident of Karnataka i.e. he/she must reside in Karnataka.
• The applicant also should not be a defaulted person on a loan taken on a financial institution.

The following category must be given priority

• This Udyogini Scheme 2026 puts special emphasis on the disabled, homeless, and widows and also in extreme poverty.
• It considers women who have gone through vocational or skills training in organizations such as KSWDC.
• Groups aided by the World Bank include Swashakthi or Stree Shakthi groups. The individual members of those groups are to be given 10 percent of the overall.
• Ensure that aid is received by the most vulnerable women.

Financial Support Details Under Udyogini Scheme

CATEGORY	SUBSIDY	LOAN AMOUNT	INCOME LIMIT
SC/ST Women	50% of loan amount	₹1,00,000 – ₹3,00,000	Below ₹2,00,000 per year
Special Category Women	30% or ₹90,000	Up to ₹3,00,000	Below ₹1,50,000 per year
General Category Women	30% or ₹90,000	Up to ₹3,00,000	Below ₹1,50,000 per year

Required Documentation for Udyogini Scheme

• Duly filled application form and 3 passport sized photograph.
• Identity identifications like Aadhaar Card and Voter-ID card.
• Proof of Income and address
• In case one has then BPL card or any ration card.
• In case of reserved category, caste certificate.
• Copy of bank passbook of the bank details.
• Other documents if required

Interest rates on the loan

• Women who run small business on their own can also take Udyogini Loans and get free loans without any interest.
• Such loans do not attract interest on disabled women, Dalit women and widows.
• Interest rate will be between 10 and 12 percent on other women who are interested in taking the loan.
• Applicants can have a subsidy of 30 percent loan depending on the annual income of their family.
• The interest rate given by the government is highly influenced by the place of the applicant.

How to apply for a loan?

Online -:

• Take the required documents to the nearest bank to borrow a business loan.
• The initial process in the process is to fill the application form that is present at the bank.
• The office of the Deputy Director and CDPO also has the application form.
• They are also found on the official websites of the banks.
• The form is also available for download at www.KSWDC Online.
• The Udyogini 2026 form needs to be filled and sent to the nearest KSFC branch or bank.
• The project proposal will be reviewed by the employees of the bank or KSFC and any paperwork that relates to it.
• They will then proceed with processing the loan application.
• After acceptance, the loan value will be credited to the account of a applicant or the supplier in which he or she purchases.

2. Through Offline -:

• The applicants are able to file an online loan request through visiting the official websites of those banks that are the participants in the Udyogini 2026 Scheme.
• The CDPO visits the site and forwards the applications to the Selection Committee.
• The Selection Committee reviews the applications after which they are sent to the banks to be approved.
• KSFC or bank officials will examine the project proposal and the necessary documentation before the loans are processed.
• Once approved, the loan cash is either directly deposited to the supplier to cover the expenses or the bank account of the applicant.

Karnataka Udyogini Scheme 2026 Major Impacts

• Great Economic Empowerment and Income Generation: The scheme has managed to empower women out of dependency to financial independence with the studies showing a significant rise in yearly income to the beneficiaries. It offers subsidized loans of 3 lakh or less to more than 88 of micro and small scale business like saree embroidery, papad manufacturing and tailoring.
• High Loan Subsidies and Financial Assistance: The scheme provides a subsidy of up to 50% (unit cost up to 3 lakh) of loans to Scheduled Caste (SC) and Scheduled Tribe (ST) women and 30% (up to 90000) of general/special category women. This subsidised structure immensely lightens the financial load and the women can easily start businesses.
• Better Employment Creation: The scheme has also resulted in unprecedented rise in employment in the rural regions where man-days of employment have been reported to have risen among the recipients. It assists women to shift the low-income group to high income.
• Access to Formal Credit and Reduced Debt: The Udyogini scheme offers an alternative to high interest money lenders in the market by offering loans through commercial banks, district cooperative banks and Regional Rural Banks (RRBs).
• Skill Development Training: The scheme requires Entrepreneurship Development Program (EDP) training of those who are chosen to receive the loan before the loan is disbursed to them so that they acquire the necessary skills in business planning, costing and marketing which will see their businesses rise to greater heights.
• Social Transformation and Better Livelihoods: The scheme has also been linked to such positive social changes as confidence, better decision-making power of women, better family hygiene, and more expenditure on education of children.
• Special Treatment of Vulnerable Groups: The scheme offers special treatment to widows, destitute and differently-abled women including waiver of income limit requirements in certain instances, encouraging growth in a very inclusive manner.

FAQ’s: Karnataka Udyogini Scheme 2026