Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy

The Udyogini Scheme is a flagship initiative of the Karnataka State Women's Development Corporation (KSWDC) under the Government of Karnataka. It provides heavily subsidised loans to women micro-entrepreneurs for setting up or expanding micro-enterprises in manufacturing and service sectors. Loans of up to ₹3 lakh are offered at a low 6% interest rate, with a substantial capital subsidy: 50% for SC/ST women and 30% (capped at ₹90,000) for general and special category applicants. The scheme aims to empower women financially by reducing the upfront burden of starting a business. Loans are disbursed through commercial banks, cooperative banks, and Regional Rural Banks (RRBs) across Karnataka. Eligible sectors include food processing, textiles, embroidery, bookbinding, printing, and various service businesses. The scheme operates on a rolling basis and is always open for applications.

• Loans up to ₹3 lakh at 6% interest
• 50% subsidy for SC/ST women, 30% (up to ₹90,000) for general category
• 36-month tenure with 6-month moratorium
• Disbursed via commercial, cooperative banks and RRBs
• Backed by Karnataka State Women's Development Corporation

The Udyogini Scheme is open to women entrepreneurs aged 18–55 years who are permanent residents of Karnataka. The annual family income must be below ₹1.5 lakh, except for widows and differently-abled women for whom there is no income ceiling. Additionally, the applicant must not be in default on any prior loan. No specific industry, entity type, or DPIIT/MSME registration requirement is mentioned.

Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy is open to startups at any stage. It is open to startups registered anywhere in India.

Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

Udyogini provides subsidised loans of up to ₹3 lakh at 6% interest for women entrepreneurs setting up micro-enterprises in manufacturing or services. A capital subsidy of 50% applies for SC/ST women and 30% (capped at ₹90,000) for general/special category applicants, with loans carrying a 36-month tenure and 6-month moratorium. Loans are disbursed through commercial banks, cooperative banks and Regional Rural Banks (RRBs), and the scheme covers sectors like food processing, textiles, embroidery, bookbinding, printing and services.

Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy is offered by Government of Karnataka, a government body. As a government-backed subsidy, it is publicly funded and open to eligible startups across India. You can verify current details and timelines on the provider's official website before applying.

Before you apply to Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.

Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy is best suited for startups in India seeking non-dilutive funding of ₹3L. If that describes your startup, review the eligibility criteria above before applying.