Karnataka State Women's Development Corporation
UdyoginiUdyogini Scheme (Karnataka)
Karnataka's loan scheme for women starting small businesses — up to 50% of the loan as subsidy.
Women in Karnataka starting a tailoring unit, tiffin service, beauty parlour, small shop, dairy or any of the listed small trades.
What you get
- Bank loan with a large part paid as state subsidy
- Higher subsidy for SC/ST women
- No income limit for widows and women with disability
- Can be the first step before a bigger Mudra or PMEGP loan
Who can apply
- Woman, permanent resident of Karnataka
- Age between 18 and 55 years
- Family income within the limit set by KSWDC (no limit for widows / disabled women)
- Business from the approved list of activities
Step-by-step process
- 1Eligibility check
- 2Application via KSWDC / district office
- 3Selection & verification
- 4Bank loan sanction
- 5Subsidy released to the bank
Documents needed
Calculate
Business Loan EMI Calculator
Monthly EMI, total interest and year-by-year repayment.
MSME loans usually range from 8.5% to 14% depending on bank and profile.
for 84 months
With PMEGP / PMFME subsidy, the subsidy amount is adjusted against this loan — your real repayment is lower.
Also consider
Schemes that work well with this one
Start a new manufacturing or service unit and get up to 35% of the project cost as a government subsidy.
- ₹50 L
- Max project · manufacturing
- ₹20 L
- Max project · service
- 5–10%
- Your own contribution
Collateral-free loans up to ₹20 lakh for shops, traders, small manufacturers and service businesses.
- ₹50 K
- Shishu
- ₹5 L
- Kishore
- ₹10–20 L
- Tarun / Tarun Plus
Get a bank loan without pledging your house or land — the government guarantees it for you.
- 75–90%
- Guarantee cover
- 0
- Property to mortgage
- MSE
- New & existing units
Scheme details are summarised from official guidelines and may change. Final eligibility, loan amount and subsidy are decided by the bank and the implementing agency.