Karnataka Udyogini Scheme 2025: Udyogini is a one-of-a-kind program that the Government of Karnataka launched in 1997-1998 and brought up to date in 2004-2005. Its objective is to assist women in becoming self-sufficient and financially independent through self-employment, particularly in trade and services. The program offers endowments on advances from the Karnataka Express Ladies’ Improvement Partnerships for ladies beginning organizations or miniature endeavors through banks and other monetary establishments. Loans are offered by a variety of sources, including RRBs, commercial banks, and numerous cooperative banks. As a result, formal credit options for women were necessary.
The plan upholds different beneficial business exercises, including bookbinding, journal assembling, chalk and colored pencil creation, jam and jam making, papad creation, saree and weaving work, and material printing and coloring, among others. Udyogini provides women with opportunities to start their own businesses. In addition, a new initiative has been launched in India to assist women business owners by providing loans of up to 3 lakh rupees to individuals with annual incomes below 1.5 lakh rupees to help them start their own businesses. The Udyogini Scheme 2025, which gives women the opportunity to start businesses like tailoring, beauty parlors, and catering services, is overseen by the Women Development Corporation of the Indian government.
Udyogini Scheme 2025 : 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 |
| Processing fee | No processing fee |
The benefits of the Udyogini Scheme 2025
- From Rs. 1,00,000.00 to Rs. 3, 00,000.00, women from Scheduled castes and tribes can apply for loans.
- These loans are eligible for a subsidy of fifty percent, with a maximum annual family income of two million rupees.
- For ladies in unique and general classes, the greatest advance sum is ₹ 3,00,000.
- These women receive a subsidy of 30%, or a maximum of Rs. 90,000.
- Those who are efficient to get the training for the Entrepreneurship Development Program (EDP) are the selected ones as per their eligibility.
- The Udyogini Scheme 2025 helps women start and run businesses by providing easy financing and training.
- Loans for microbusinesses that don’t charge interest are available to women entrepreneurs like widows and people with disabilities.
- The funding helps women start businesses and promotes inclusive growth.
- One of the 88 small-scale industries that can take advantage of the scheme’s financial assistance is agriculture.
Eligibility requirements for Udyogini Scheme 2025
- Female applicants are required.
- The family income should be less than Rs. 1, 50,000/- for women in both general and special categories.
- Women who are disabled or have been widowed have no income limits.
- For each category, the applicant must be between 18 and 55 years old.
- The applicant has to be a resident of Karnataka i.e. she has to live in there.
- The applicant ought not to have ever defaulted on a loan from a financial institution.
The following category must be given priority
- This Udyogini Scheme 2025 gives special consideration to disabled, homeless, widows, and those in extreme poverty.
- It takes women into consideration who have completed vocational or skill training from organizations like KSWDC.
- There are groups supported by the World Bank like Swashakthi or Stree Shakthi groups. Members of those groups should receive 10% of the total.
- Make certain that assistance reaches the most at-risk women first.
Required Documentation for Udyogini Scheme
- Completed application form along with 3 passport sized photograph
- Identity proof such as Aadhaar Card and Voter-ID card
- Proof of Income and address
- If any available then BPL card or any ration card
- For reserved category, caste certificate
- Copy of bank passbook for the bank details
- Other documents if required
Interest rates on the loan
- Women those who have their own small business can apply for Udyogini Loans and receive loans without paying interest.
- These loans don’t charge any interest from disabled women, Dalit women, and widows.
- The interest rate will range from 10 to 12 percent for other women who want to avail the loan.
- Depending on their family’s annual income, applicants may receive a 30% loan subsidy.
- The location of the applicant has a great influence on the interest rate set by the government.
How to apply for a loan?
1 Online -:
- Bring the necessary documentation to the closest bank to obtain a business loan.
- The first step in the procedure is to complete the application form that the bank has available.
- The application form is also available at the offices of the Deputy Director and CDPO.
- They are also available on the banks’ official websites.
- The form is also available for download at www.KSWDC Online.
- You must mail the completed Udyogini Scheme 2025 form to the closest KSFC branch or bank.
- Employees of the bank or KSFC will examine the project proposal and any accompanying paperwork.
- After that, they will handle processing the loan application
- Upon acceptance, the loan amount will be deposited into either the applicant’s bank account or the supplier’s account for purchases.
Karnataka Basava Vasati Yojana 2025: अब पाएं सरकारी सब्सिडी पर 1BHK और 2BHK घर – ऑनलाइन आवेदन शुरू
2. Through Offline -:
- Applicants can submit an online loan request by going through the official websites of the participating banks those who are the participants in the Udyogini Scheme 2025.
- After visiting the site, the CDPO reviews the applications and sends them on to the Selection Committee.
- After reviewing the applications, the Selection Committee forwards them to the banks for approval.
- The project proposal and required documentation will be examined by KSFC or bank officials prior to loan processing.
- After being authorized, the loan money is either sent straight to the supplier for costs or to the applicant’s bank account.
FAQ’s: Karnataka Udyogini Scheme 2025
What is the Karnataka Udyogini Scheme 2025?
The Udyogini Scheme 2025 is a women empowerment initiative by the Government of Karnataka, aimed at encouraging self-employment among women, especially from economically weaker sections. The scheme provides subsidized loans and entrepreneurship training to help women launch small-scale businesses in sectors like tailoring, catering, bookbinding, and more.
Who manages the Udyogini Scheme?
The scheme is managed by the Karnataka State Women’s Development Corporation (KSWDC) in coordination with various commercial, rural, and cooperative banks across the state.
What is the maximum loan amount available under Udyogini Scheme 2025?
Eligible women can avail loans up to ₹3,00,000 under the scheme. The loan amount depends on the business type, applicant’s category, and income criteria.
What is the interest rate for Udyogini loans?
Interest rates vary:
0% (interest-free) for widows, disabled women, and SC/ST women
10% to 12% for others, depending on the bank and location
Subsidies of 30% to 50% may also be provided based on eligibility
Is there any processing fee for applying under this scheme?
No, there is no processing fee charged for applying under the Udyogini Scheme 2025.
Can women from urban and rural areas both apply?
Yes, both urban and rural women from Karnataka can apply, provided they meet the eligibility criteria.
Is training provided under this scheme?
Yes. Selected applicants may undergo Entrepreneurship Development Program (EDP) training to build business management skills and increase their chances of success.