Karnataka Shramashakthi Special Women's Scheme

Widows, Unmarried, and Divorcee Women from Minority Communities can now avail themselves of subsidized loans of Rs. 50,000/- for self-employment business activities under the Shramashakthi Special Women’s Scheme of the Karnataka Government. Rs. 25,000/- is a loan, and Rs. 25,000/- is a nonrefundable government subsidy.
Read the full article to know more about the scheme.

Karnataka Shramashakthi Special Women’s Scheme Highlights
Scheme Name	Karnataka Shramashakthi Special Women’s Scheme.
Date of Launch	2023.
Benefits Provided	Subsidized Loans of Rs. 50,000/-.
Eligible Beneficiaries	Divorced Women. Unmarried Women. Widowed Women.
Responsible Department	Karnataka Minorities Development Corporation Limited.
How to Apply	Through the Shramashakthi Special Women’s Scheme Online Application Form.
Free Scheme Alerts	WhatsApp \| Telegram

Table of Contents

Introduction of Shramashakthi Special Women’s Scheme Karnataka: A Brief Insight

Karnataka Government started a women-centric scheme named “Shramashakthi Special Women’s Scheme” in the year 2023.
The main objective of the government behind launching this scheme is to empower socially backward women financially so that they can start their own income generation activity.
This scheme is implemented by Minorities Development Corporation Limited of the Karnataka Government.
Subsidized loans will be disbursed among eligible women for self-employment under the Shramashakthi Special Women’s Scheme.
Women applicants from the Minority Community are only eligible to apply for subsidized loans.
All women from the minority community are not eligible. Women applicant who belongs to any one of the following categories are eligible to get a loan for self-employment activity under the Shramashakthi Special Women’s Scheme :-
- Widowed Women.
- Divorced Women.
- Unmarried Women.
Subsidized Loan of Rs. 50,000/- will be provided under this scheme, in which 50%, i.e. Rs. 25,000/- is a non-refundable government subsidy and the remaining 50%, i.e., Rs. 25,000/- is a loan which needs to be returned.
No collateral security for mortgage is required, and a low bank rate will also be applicable on disbursed loans.
Eligible Women Applicants can avail the benefit of this loan provided under the Karnataka Government’s Shramashakthi Special Women’s Scheme to start any self-employment activity in any of the below-mentioned sectors :-
- Small Scale Business.
- Service Sector.
- Agro-Based Activity.
- Any Business for Employment Activity.
The age limit set by the Karnataka Government for this scheme is 18 years to 55 years.
If the annual family income of a woman applicant is more than Rs. 3,50,000/- per year, then she is not eligible to apply for a loan under Shramashakthi Special Women’s Scheme.
There should be no member in a family who is in the Central or State Government Service.
Interested and Eligible Women can apply for a self-employment activity business loan under the Shramashakthi Special Women’s Loan Scheme through the Online Application Form, which is available on the KMDCL Portal.
Minority Applicants can also apply for the Shramashakthi Special Women’s Scheme through Mobile App of KMDC Online.

Benefits Provided to Eligible Beneficiaries

All eligible women applicants will get the below-mentioned benefits from the Karnataka Government under the Shramashakthi Special Women’s Scheme :-
- A loan for self-employment will be provided.
- Women Beneficiaries will get a Subsidized Loan of Rs. 50,000/- under this Scheme.
- 50% is a Loan and 50% is a Government Subsidy.
- This means the Women Beneficiary will have to return only Rs. 25,000/- and the remaining Rs. 25,000/- is a non-refundable government Subsidy.
- No Collateral Security Required for Mortgage.
- Very Low Bank Interest Rate.

Eligibility Conditions Required to be Fulfilled

Karnataka Government will provide subsidized loans to only those beneficiaries who fulfill the following eligibility criteria of Shramashakthi Special Women’s Scheme :-

Only Women applicants are Eligible to apply.
Women applicants should be Permanent residents of Karnataka.
Women applicants should be widowed, divorced, or unmarried at the time of application.
Women applicants should belong to any one of the Religious Minority Community :-
- Muslims.
- Sikhs.
- Christians.
- Parsis.
- Jains.
- Buddhist.
The Age of Women Applicant should be between 18 years to 55 years.
Family Annual Income of Women Applicant should not be more than Rs. 3,50,000/- per year.
If any Family Member is in Central or State Government Service, then she is not eligible.
Women applicants should not have availed any benefits from KMDC in the last 5 years.

Documents Required to be Attached

Women Beneficiary will have to upload the following documents on the portal at the time of applying for subsidized loans under Karnataka Government’s Shramashakthi Special Women’s Scheme :-
- Women Beneficiary Aadhaar Card.
- Certificate of Caste.
- Certificate of Minority.
- Bank Account Number with IFSC Code.
- Family Annual Income Certificate.
- Project Report.
- Recent Color Photograph.
- Mobile Number and Email.
- Surety Self-Declaration Form.
- Applicant Self-Declaration Form.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

Women Beneficiaries can apply for a subsidized loan for self-employment activity under the Shramashakthi Special Women’s Scheme through the Online Application Form.
Shramashakthi Special Women’s Scheme Online Application Form is available on the Karnataka Government’s KMDCL Online Application Management Portal.
Visit the KMDCL Online Application Management Portal and Click on Apply Online or Choose Shramashakthi Special Women’s Scheme.
Enter your Aadhaar Linked Mobile Number and Click on Submit.
Women Applicant’s Mobile Number will be verified by the portal through OTP.
Choose Shramashakthi Special Women’s Scheme after OTP verification.
Fill in the personal details, contact details in the Online Application Form of Shramashakthi Special Women’s Scheme.
Upload all the required documents on the portal in a PDF format.
Preview the Application Form and click on the Submit Button to submit it.
Portal will generate the Registration ID, which will be saved for future reference.
Officials from Minority Corporation will verify the received application form and make a list of eligible women beneficiaries.
Loan and Subsidy Amount will be directly released into the bank account of the beneficiary.
Shramashakthi Special Women’s Scheme Application Status can be checked with Mobile Number or Registration ID, and Date of Birth of the Women Beneficiary.
Contact the District Office of Minority Corporation Limited for any help regarding the scheme.

Important Links Available

Contact Details in Case of Help Needed

Minorities Development Corporation Limited Karnataka Contact Number :-
- 080 22861226.
- 080 22860999.
Minorities Development Corporation Limited Karnataka Whatsapp Contact Number :- 8277799990.
Minorities Development Corporation Limited Karnataka Contact Email :-
- mwdhelpline@karnataka.gov.in.
- kmdc.ho.info@gmail.com.
- info.kmdc@karnataka.gov.in.
Address of Karnataka Minorities Development Corporation Limited :-
No. 39-821, Subedhar Chatra Road,
Sheshadripuram, Bengaluru – 560001.