Udyogini Scheme

The Udyogini Scheme is administered by the Karnataka State Women’s Development Corporation , Government of Karnataka. Its purpose is to enable women entrepreneurs in Karnataka to become self-reliant and economically independent by supporting self-employment or small business ventures. Under this scheme, women are assisted with bank loans and subsidies so that they can set up or expand income-generation activities. Your enterprise can benefit from this scheme by accessing subsidised financial assistance, training and support if you qualify as a woman entrepreneur in Karnataka.

Key Features
Financial Assistance
Eligibility Criteria
Documents Required
Application Process for the Scheme

Key Features

Collateral-free loan facility for eligible women entrepreneurs: Under this scheme, the women beneficiaries are encouraged to apply for bank loans or through participating banks/financial institutions with minimal or no collateral required, thereby lowering the barrier of access.
Loan amount typically from ₹ 1 lakh to ₹ 3 lakh : The scheme sets the unit cost (i.e., cost of project/machine etc) generally between ₹ 1 lakh to ₹ 3 lakh for many categories. For example, one source mentions “unit cost from ₹ 1.00 lakh to maximum of ₹ 3.00 lakhs”.
Government subsidy on the loan amount: Depending on the beneficiary’s category:
- SC/ST women: subsidy of up to 50% of the loan amount for specified projects.
- Special category women or general category women: subsidy of around 30% (or 20% for general category in older guidelines) of project cost/loan amount.
Income limits apply: To ensure benefit targeting weaker sections, family income thresholds are specified: e.g., for general/special category women income limit up to ₹ 1.5 lakh ; for SC/ST women up to ₹ 2 lakh. Widows/disabled may have no income cap.
Age limit for beneficiary: Many sources state age between 18 and 55 years for the woman applicant.
Mandatory Entrepreneurship Development Programme training: Before disbursement of loan/subsidy, selected beneficiaries undergo EDP training covering business planning, accounting, materials management etc.
Eligible business activities: The scheme supports a wide range of small scale or manufacturing or service or trade activities.

Financial Assistance

Component	Assistance Provided	Detailed Explanation & Example
Loan for business	Project cost from ~ ₹ 1 lakh to ₹ 3 lakh	Example: You as a woman entrepreneur plan to start a tailoring unit costing ₹ 2 lakh; you apply for loan accordingly.
Subsidy on loan/project cost	Up to ~ 50% for SC/ST women; ~ 30% for general/special women	Example: If your project cost is ₹ 2 lakh and you are SC/ST woman, you may get subsidy of approx 50% i.e., ₹ 1 lakh, reducing your loan burden. If you are general category then ~30% subsidy i.e., ₹ 60,000.
Collateral-free / easy terms	Minimal or no collateral required; easier access	This makes it easier for you to access funds without heavy security burden.

Eligibility Criteria

Who can apply:

Applicant must be a woman and a resident of Karnataka.
Age between 18 and 55 years.
Family annual income must be within specified limit (e.g., up to ₹ 1.5 lakh for general/special category; up to ₹ 2 lakh for SC/ST category).
Unit cost typically between ~ ₹ 1 lakh to ₹ 3 lakhs .
The business activity must be among the eligible list as defined by KSWDC (income-generation, small-scale industry/trade/service).
The applicant must undertake/complete the EDP training as required before disbursement.

Who cannot apply:

Applicants whose family income exceeds the prescribed limit may not qualify for subsidy.
Applicants outside the age band may not qualify.
If the business activity is not in the eligible list as per scheme guidelines, it may not qualify.
Defaulting applicants may be barred or extra scrutiny applies.
Applicants who are not permanent residents of Karnataka may not qualify.

Documents Required

Aadhaar Card and Birth Certificate.
Address proof, income proof (income certificate or BPL/Ration card) and caste certificate.
Duly filled application form with passport-size photographs.
Bank statement or bank passbook copy with IFSC/MICR details.
Project report/business plan of the proposed micro-enterprise.

Application Process for the Scheme

Option 1: Apply with Bullit

Click here to start with guided support. Our team verifies eligibility, compiles documents, and handles application & follow-ups on your behalf. You can monitor progress while focusing on operations.
Recommended for: Lean teams. Designed to save you time and effort. Access expert help from start to finish.

Option 2: Direct Application via KSWDC/Bank

Identify and choose your business activity and loan amount up to ₹ 3 lakh.
Undertake the required Entrepreneurship Development Programme of 3-6 days.
Prepare your project report or business plan for the chosen activity.
Apply via a participating bank branch or the KSWDC office, submitting the completed application form plus required documents.
After verification of documents & training completion, the bank sanctions the loan; the state subsidy is released to the bank/KSWDC as per scheme terms.

Option 3: Through District Women & Child Development / KSWDC Liaison

Approach the District Manager/Deputy Director or the KSWDC district office for guidance on eligible activities, training schedule and participating banks.
Get support in preparing business plan, link with bank, and complete formality for the EDP.
Submit the application via the bank and follow up for sanction and disbursement.