Karnataka State Women Development Corporation (KSWDC)

Dhanashree supports women aged 18 to 60 who are infected or affected by HIV. The incentive is paid straight into the beneficiary's bank account through Direct Benefit Transfer, to take up an income-generating activity.

What you get

• A direct incentive for an income-generating activity
• Payment by Direct Benefit Transfer into your bank account

Who can apply

• Women aged 18 to 60 who are infected or affected by HIV
• Permanent residents of Karnataka
• A medical certificate from an ICTC or ART centre, or an ART card

How selection works: A district committee chooses eligible beneficiaries.

How to apply: Applications go through Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centres.

The Chetana scheme aims to help women leave their existing path and lead a dignified, independent life. The state provides a subsidy to eligible women, paid directly to their bank account, so they can take up an income-generating activity.

What you get

• A subsidy for an income-generating activity
• Payment directly into your bank account

Who can apply

• Women aged 18 and above who are permanent residents of Karnataka
• A certificate or identity card from a government-registered NGO working on rehabilitation of sex workers in the district

How selection works: A district committee chooses eligible beneficiaries.

How to apply: Applications go through Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centres.

This scheme works to help ex-Devadasi women become financially independent. It runs in 15 districts of Karnataka. The corporation pays an incentive directly into beneficiaries' bank accounts for income-generating activities such as animal husbandry or a small shop. Awareness, legal and health camps also run in these districts.

What you get

• A direct incentive for an income-generating activity
• Awareness, legal and health camps in the scheme districts

Who can apply

• Permanent residents of Karnataka who are ex-Devadasi women
• Women whose names appear in the Government of Karnataka surveys of 1993-94 and 2007-08
• The scheme document sets an age floor of above 45 years; the web page does not state one

How selection works: A district committee chooses eligible beneficiaries.

How to apply: Applications go through Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centres. For details, contact the Deputy Director of the Department of Women and Child Development or the Development Inspector of the district.

The state provides a subsidy to transgender persons, paid directly to their bank accounts, so they can take up income-generating activities and become self-employed.

What you get

• A subsidy for an income-generating activity
• Payment directly into your bank account

Who can apply

• Permanent residents of Karnataka who are transgender persons
• An identity card for transgender persons issued by the Deputy Commissioner, or a certificate from a government-registered NGO or community-based organisation identified by the Deputy Commissioner, or a notarised self-declaration

How selection works: A district committee chooses eligible beneficiaries.

How to apply: Applications go through Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centres.

Udyogini helps women from economically weaker sections become self-employed. The woman takes a loan from a bank for her activity, and the corporation provides a subsidy on that loan. The subsidy rate is higher for SC and ST women.

What you get

• A subsidy on a bank loan for a business or service activity
• A higher subsidy rate for SC and ST women

Who can apply

• Women aged 18 to 55 who are permanent residents of Karnataka
• Women from economically weaker sections who want to be self-employed in business or service
• An income and caste certificate from the Tahsildar, within the income limits for your category

How selection works: A selection committee chaired by the MLA of the relevant Assembly Constituency chooses beneficiaries, according to the scheme document.

How to apply: Applications go through Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centres. Subsidy is released to the bank branch after the bank sanctions the loan.

Women who want to take up medium and large scale industries can borrow through Karnataka State Financial Corporation (KSFC). The corporation gives these women an interest subsidy on that loan for five years.

What you get

• An interest subsidy for five years on a KSFC loan

Who can apply

• Women who are eligible and interested in medium and large scale industries

How selection works: The page does not describe a selection process.

How to apply: The page does not describe an application route; the loan is arranged through KSFC.

The Gelathi scheme helps acid attack survivors return to mainstream society through self-employment. Each beneficiary receives an interest-free loan together with a subsidy, or a loan and subsidy split of the unit cost, based on the project report. Housing is provided through Rajiv Gandhi Housing Corporation Limited.

What you get

• An interest-free loan
• A subsidy alongside the loan
• Housing support through Rajiv Gandhi Housing Corporation Limited

Who can apply

• Acid attack victims above 18 years of age who are permanent residents of Karnataka
• A UDID card, FIR, pension certificate or medical certificate that records acid attack

How to apply: Submit a project report, an Aadhaar-linked bank account and a loan agreement attested on stamp paper, with the documents above.

The corporation runs skill development training for economically backward women. The aim is to build productivity, marketing skills and financial independence, under the guidelines of the Mukhyamantri Kaushalya Karnataka Scheme.

What you get

• Skill development training in sectors such as dairy farming, tailoring, documentation and data entry, field technician work, and computer hardware and networking

Who can apply

• Economically backward women in Karnataka

How to apply: Contact the Deputy Director of the Department of Women and Child Development or the Development Inspector of the corporation in your district.

Gruhalakshmi Digital Marketing is a digital platform that gives women entrepreneurs a way to sell their products online. It is meant to reach customers across the state and outside it, and so widen the market for products made by women.

Who can apply

• Women entrepreneurs who make products they want to sell online

How to apply: Register on the Gruhalakshmi Digital Marketing portal. For questions, contact the District Deputy Director of the Department of Women and Child Development, or the District Development Inspector of the corporation.