Interest Subsidy Scheme for Scheduled Caste/Scheduled Tribe Entrepreneurs
Karnataka State Financial Corporation द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
Karnataka State Financial Corporation offers an interest subsidy on business loans up to ₹10 crore for SC/ST entrepreneurs to establish or expand micro/small enterprises, reducing the effective interest rate to 4%.
इस सब्सिडी के बारे में
Business loans from Karnataka State Financial Corporation (KSFC) for SC/ST entrepreneurs carry an interest subsidy that brings the effective rate down to 4%. It is open to micro, small scale and service enterprises, whether new or expanding, diversifying or modernising. Loans run from ₹20 lakhs to ₹10 crore. Every promoter must belong to the SC or ST community. The Government of Karnataka reimburses KSFC the difference between its normal lending rate and 4%. Units that took an interest subsidy under another scheme, or are in default to KSFC, are not eligible.
पात्रता
देखें कि आप पात्र हैं या नहीं
पूरी पात्रता शर्तें — संस्था प्रकार, स्टेज, क्षेत्र, फाउंडर प्रोफ़ाइल और पंजीकरण आवश्यकताएं — साथ ही इस प्रोग्राम के लिए आपकी फ़िट। देखने के लिए साइन अप करें।
सब्सिडी प्रदाता
Karnataka State Financial Corporation (KSFC) is a state-level financial institution, established by the Government of Karnataka in 1959 under the State Financial Corporations' Act, 1951. It lends to micro, small and medium enterprises in Karnataka. Its main offer is loans, and…
Learn moreलाभ और फंडिंग
- राशि
- ₹20 लाख – ₹10 करोड़
आपको क्या मिलेगा
The scheme offers significant financial relief by subsidizing interest on business loans, ensuring an effective interest rate of 4% for eligible SC/ST entrepreneurs. This substantial reduction in borrowing costs makes capital more accessible and affordable. Loans range from ₹20 lakhs to ₹1,000 lakhs (₹10 crore), providing flexible funding options for various project sizes. The maximum loan includes both term loan and a one-time working capital term loan, restricted to ₹50 lakhs for working capital. Entrepreneurs can avail this loan for establishing new units or for expanding, diversifying, or modernizing existing ones. The generous repayment period extends up to 8 years for loans up to ₹5 crore and up to 10 years for loans above ₹5 crore and up to ₹10 crore, inclusive of any moratorium period, further easing the financial burden on entrepreneurs. The interest subsidy amount, which is the difference between KSFC's normal lending rate and the 4% effective rate, is reimbursed directly by the Government of Karnataka to KSFC, benefiting the borrower directly.
- वितरण
- Reimbursement
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
Applications submitted to the KSFC Branch Offices will undergo a thorough screening and evaluation process by KSFC officials. The project proposals will be assessed based on their viability, the eligibility of the entrepreneurs, and adherence to all scheme terms and conditions. While the scheme does not explicitly mention multiple rounds or a pitch, successful applications will demonstrate strong business plans and clear potential for establishing or growing micro/small enterprises. The final loan sanction and interest subsidy approval will be subject to KSFC's credit appraisal and the Government of Karnataka's reimbursement guidelines.
आवेदन प्रक्रिया
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Visit Branch Office & Request Form
Visit the KSFC Branch Office during office hours to obtain the hard copy of the prescribed application form.
आप - 2
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आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
- 1
शुरू करने से पहले प्रश्न देखें
इस कार्यक्रम के आवेदन फ़ॉर्म में पूछे जाने वाले सभी प्रश्न डाउनलोड करें, ताकि पोर्टल खोलने से पहले आप अपने उत्तर ऑफ़लाइन तैयार कर सकें।
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अपने दस्तावेज़ तैयार करें
चेकलिस्ट के हर दस्तावेज़ को एक ही फ़ोल्डर में तैयार रखें। दस्तावेज़ों की कमी आवेदन खारिज होने का सबसे बड़ा कारण है।
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आधिकारिक पोर्टल पर जमा करें
आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
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फ़ॉलो अप करें
जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
अक्सर पूछे जाने वाले प्रश्न
Who is eligible for the Interest Subsidy Scheme?
The scheme is exclusively for micro/small scale/services enterprises where all promoters and owners are from the Scheduled Caste (SC) or Scheduled Tribe (ST) community. No partial ownership by non-SC/ST individuals is allowed.
What is the maximum loan amount I can avail under this scheme?
The maximum loan amount under this scheme is ₹1,000 lakhs (₹10 crore), which can include both term loan and a one-time working capital term loan (working capital capped at ₹50 lakhs).
What is the effective interest rate under this scheme?
Eligible entrepreneurs will pay an effective interest rate of only 4% on their loans. The difference between KSFC's normal lending rate and 4% will be reimbursed by the Government of Karnataka.
Can I apply if I already have an existing business?
Yes, the scheme supports both the establishment of new units and the expansion, diversification, or modernization of existing units.
Is this scheme available across India?
No, this scheme is specifically introduced by the Government of Karnataka and is applicable only within the state of Karnataka.
What documents are typically required for application?
While specific documents will be detailed in the application form, generally you would need identity proof, caste certificate, business registration documents, project proposal, financial statements (for existing units), and other relevant statutory clearances.
स्रोत
इस पेज की जानकारी आधिकारिक प्रोग्राम और प्रदाता स्रोतों से ली गई है।
