Tamil Nadu Kalaignar Kaivinai Thittam

Traditional Artisans and Craftspersons of Tamil Nadu can now apply for collateral free loan up to Rs. 3 lakh on which they will get credit linked subsidy of 25% of loan amount or maximum of Rs. 50,000/- along with other benefits under Kalaignar Kaivinai Thittam.
Read the article to get complete details about the scheme.

Introduction of Tamil Nadu Kalaignar Kaivinai Thittam: A Brief Insight

• Government of Tamil Nadu launched Kalaignar Kaivinai Thittam (KKT) in the year 2024.
• The main objective of the government in starting this scheme is to support the businesses of state artisans and craftspersons by providing them with collateral-free trade loans and other benefits.
• Micro, Small and Medium Enterprises Department of the Tamil Nadu Government is the implementing department of this scheme.
• Traditional Artisans and Craftpersons of Tamil Nadu can now take collateral free loan up to Rs. 3,00,000/- for their existing business to expend it or to start a new business under Kalaignar Kaivinai Thittam.
• The beneficiary will also get a credit-linked subsidy on the loan amount availed, which is 25% of the loan amount or a maximum of Rs. 50,000/-.
• 25 Artisanal Trades identified by Government of Tamil Nadu are eligible to apply for the benefits of Tamil Nadu Government’s Kalaignar Kaivinai Thittam Scheme.
• Selected Artisans or Craftpersons will also get skill training and entrepreneurship development programme training to upskill and boost their skills.
• Interest Subvention of 5% on loans of other banks and 2% on loans from TAICO Bank are also applicable under this scheme.
• Beneficiaries will have to repay the availed loan within 5 years. (12 Months)
• Benefits of the Kalaignar Kaivinai Scheme will only be provided to those applicants who have prior experience of at least 5 years in their trade and whose age is 35 years or above.
• If any beneficiary applicant availed subsidy benefit of more than Rs. 1,500,000/- from any other welfare scheme of Tamil Nadu Government in the last 5 years for self employment or business purpose then they are not eligible to apply for Kalaignar Kaivinai Thittam Scheme.
• But if beneficiary avail the benefit of New Entreneur cum Enterprise Development Scheme (NEEDS), Unemployed Youth Employment Guarantee Scheme (UYEGP), Annal Ambedkar Business Champions Scheme (AABCS), Chief Minister’s Entrepreneurship Program for Adi Dravidar and Tribal Socio Economic Development (CM ARISE) and repaid their loan on time then they are eligible to get collateral free loans under Kalaignar Kaivinai Thittam.
• There will be no minimum or maximum income limit applicable for this scheme.
• Skill Training to selected beneficiaries will be provided by the Skill Development Corporation of the Tamil Nadu Government after the sanction of loan from the bank, and all the training costs will be borne by the department itself.
• Interest Artisans or Craftpersons can apply for a collateral-free loan up to Rs. 3 lakh for their business through the Online Application Form, which is available on the MSME Online Portal.
• Contact the District Industries Centre if any assistance or help required regarding Tamil Nadu Government’s Kalaignar Kaivinai Thittam Scheme.
• Women Applicants can also go throughthe  “Magalir Urimai Thogai Scheme” which is a financial assistance scheme for women.

Benefits Provided to Eligible Beneficiaries

• Government of Tamil Nadu will provide the following benefits to all eligible beneficiaries under its Kalaignar Kaivinai Thittam :-
  • Collateral-free loan will be provided to beneficiaries.
  • The beneficiary can take a Collateral Free Loan up to Rs. 3,00,000/-.
  • The government will also provide a Subsidy on the availed Loan.
  • 25% of the Loan Amount or a Maximum of Rs. 50,000/- will be provided as a Subsidy on the Loan.
  • Skilled Training Programmes to Upskill and Upscale the Artisans.
  • Interest Subvention up to 5% will also be provided.
  • Loan Repayment Period will be 60 Months. (5 Years)
  • Benefits will only be provided to List 25 Trades.

Eligibility Conditions Required to be Fulfilled

• Tamil Nadu Government under its Kalaignar Kaivinai Thittam will provide the benefits of subsidized loans for business purpose to only those beneficiaries who fuflill the below mentioned eligibility criteria of scheme :-
  • Only Permanent Residents of Tamil Nadu are Eligible.
  • The Age ofthe  Beneficiary Applicant is not below 35 years.
  • Beneficiary Applicant should have at least 5 years or above experience in their trade business.
  • Applicant should not have availed the subsidy benefit of more than Rs. 1.5 lakh from any other Government of Tamil Nadu Scheme.
  • Applicant should not be a Defaulter of any other Loan Scheme like NEEDS, AABCS, UYEGP, CM ARISE Scheme.
  • One Member of One Family is Eligible to Apply.

Documents Required to be Attached

• Beneficiary Applicant will have to upload the following documents at the time of applying for subsidized loans up to Rs. 3 lakh with other benefits under Tamil Nadu Government’s Kalaignar Kaivinai Thittam :-
  • Aadhaar Card of Beneficiary.
  • Bank Account Number with IFSC Code.
  • Mobile Number and Email.
  • Complete Project Report.
  • PAN Card. (But not Mandatory)
  • Recent Color Passport Size Photograph.
  • Documents Related to Education. (If Any)
  • Labour Welfare ID Card. (If Any)

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

• Beneficiary Artisans or Craftpersons of Tamil Nadu can apply for collateral free loan with other benefits for their trade business under Kalaignar Kaivinai Thittam through Online Application Form.
• Kalaignar Kaivinai Thittam Online Application Form is available on MSME Online Portal of Tamil Nadu Government.
• Visit the Website and Click on Login/ Registration.
• Fill Name, Date of Birth, Aadhaar Card, Mobile Number and Choose Password to Register for Kalaignar Kaivinai Thittam.
• Aadhaar Card and Mobile Number will be verified by the portal through OTP authentication.
• Login with your Mobile Number and Chosen Password.
• Fill Tamil Nadu Government’s Kalaignar Kaivinai Thittam Online Application Form and Upload all the required documents.
• Preview the filled details and click on the Submit Button to submit it.
• Beneficiary Applicant doesn’t have to pay any type of fees or charges at the time of application.
• Submitted Application Forms of Kalaignar Kaivinai Thittam will be scrutinized by the Task Force Committee which is chaired by the General Manager of District Industries Centre.
• The list of Selected Applicants will be forwarded to the respective bank for approval of a collateral-free bank loan.
• The bank will further verify the documents and disburse the loan directly in the bank account of the beneficiary applicant.
• Selected Applicant of Kalaignar Kaivinai Thittam will have to go through Trade Specific Skill Training and Entrepreneurship Development Programme Training (EDP).
• Thereafter, the Tamil Nadu Government will release the amount of subsidy on the loan after submission of the training certificate.
• Beneficiary Artisans or Craftperson can also check their Kalaignar Kaivinai Thittam Application Status with their Mobile Number or Application Number.

Eligible 25 Trade List under Kalaignar Kaivinai Thittam

• Following are the complete list of 25 trades which are eligible for collateral free loan under Kalaignar Kaivinai Thittam Scheme of Government of Tamil Nadu :-
  

  Trade Name

  Carpentry. Beadworks. Traditional Textile Printing. Doll and Toy Making. Garland Making. Fishnet Making. Masonry. Sculpting and Stone Carving. Leather Handicrafts and Footwear Making. Tailoring. Pottery. Metal Works. Painting. Jewel Making. Washing, Ironing and Laundry. Glassworks. Weaving and Embroidery. Traditional Musical Instrument Making. Boat Making. Hair Designing and Grooming. Tribal Natural Harvests and Artisanal Products. Lock Making. Stucco Works. Bamboo, Cane, Jute and Palm Leaf Works. Basket, Mat, Broom Making and Rope Weaving.

Important Links Available

• Online Application Form of Kalaignar Kaivinai Thittam Tamil Nadu.
• Registration Form of Kalaignar Kaivinai Thittam Tamil Nadu.
• Login of Kalaignar Kaivinai Thittam Tamil Nadu.
• Application Status of Kalaignar Kaivinai Thittam Tamil Nadu.
• Official Website of MSME Online Tamil Nadu.
• Guidelines of Kalaignar Kainivai Thittam Tamil Nadu.
• Demo Filled Application Form of Kalaignar Kaivinai Thittam Tamil Nadu.
• Official Website of Micro, Small and Medium Entreprises Department Tamil Nadu.
• Contact Details of Department of Industries and Commerce Tamil Nadu.

Contact Details in Case of Help Needed

• Contact Number of Micro, Small and Medium Enterprises Department Tamil Nadu :-
  • 044 22505011.
  • 044 22502053.
  • 044 22502018.
  • 044 22501007.
  • 044 22501073.
• Contact Email of Micro, Small and Medium Enterprises Department Tamil Nadu :-
  • indcom@tn.gov.in.
  • indcomchn@gmail.com.
• Address of Commissionerate of Industries and Commerce :-
  SIDCO Corporate Office Building,
  Thiru-vi-ka Industrial Estate, Guindy,
  Chennai – 600032.

Frequently Asked Questions

• What is the main objective of Tamil Nadu Government’s Kalaignar Kaivinai Thittam?
  -The scheme aims to financially empower traditional artisans and craftspersons of Tamil Nadu by offering collateral-free loans, subsidies, and training support to enhance their trade or start new enterprises.
• How much loan can be availed under Kalaignar Kaivinai Thittam?
  -Eligible artisans can avail collateral-free loans up to Rs. 3,00,000/- for their business expansion or to set new business under this scheme.
• Is there any subsidy available on the loan amount?
  -Yes, a credit-linked subsidy of 25% of the loan amount or a maximum of Rs. 50,000/- is provided to eligible applicants.
• Who is eligible to apply for the Kalaignar Kaivinai Thittam?
  -Permanent residents of Tamil Nadu aged 35 or above with a minimum of 5 years of experience in one of the 25 identified artisanal trades can apply.
• Can a person who benefited from other government schemes apply for this one?
  -Yes, provided they repaid their previous loan under schemes like NEEDS, AABCS, UYEGP, or CM ARISE on time and have not received more than Rs. 1.5 lakh subsidy in the past 5 years.
• What is the interest subvention benefit provided under this scheme?
  -The scheme offers 5% interest subvention for loans from regular banks and 2% for loans taken from TAICO Bank.
• Is there any income limit to apply for this scheme?
  -No, there is no minimum or maximum income limit specified to be eligible under this scheme.
• What training will be provided to selected beneficiaries?
  -Selected applicants must undergo trade-specific skill development and entrepreneurship training, free of cost, provided by the Skill Development Corporation of Tamil Nadu.
• How can one apply for Kalaignar Kaivinai Thittam online?
  -Applicants need to register and fill the application form through the MSME Online Portal of Tamil Nadu and upload all required documents.
• What documents are required while applying online?
  -Aadhaar card, bank details, mobile number, email, project report, PAN (optional), passport-size photo, educational and trade-related documents are needed.
• Is there any application fee to apply for this scheme?
  -No, the application process is completely free of cost for all eligible beneficiaries.
• What is the repayment period for the availed loan?
  -Beneficiaries are required to repay the loan amount within a period of 60 months (5 years).
• Can multiple members from the same family apply for this scheme?
  -No, only one member per family is allowed to apply under the Kalaignar Kaivinai Thittam.
• How will the subsidy be disbursed under the scheme?
  -The subsidy will be released by the government after the beneficiary completes the required training and submits the training completion certificate.
• Where can one get help or more information regarding the scheme?
  -Beneficiaries can contact the District Industries Centre or reach out to the MSME Department via helpline numbers (044-22505011, etc.) or emails like indcom@tn.gov.in for assistance.

GSI

GSI (Government Schemes of India) is a dedicated content platform that provides well-researched, user-friendly articles on Central and State Government Schemes in India. Our goal is to make official information more accessible to students and families across the country.