Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women
At a Glance
Scheme Category
Social welfare & Empowerment,Banking,Financial Services and Insurance,Skills & Employment,Employment services and jobs,Loan,Financial assistance
Target Beneficiaries
Individual
Brief Description
The scheme aims to provide self-employment loans to women from minority communities. Financial assistance with a 20% subsidy is provided to widows, divorced women, and abandoned women from minority communities. The scheme is implemented by the KSMDFC.
Benefit Type
Cash
Eligibility Criteria
- The applicant must belong to a minority community (Muslim, Christian, Buddhist, Sikh, Parsi, Jain). - The applicant should be a widow, divorced woman, or abandoned woman. - The applicant&39;s age should be between 20 and 60 years. - The applicant&39;s family&39;s annual income should not exceed ₹2,50,000/-. > Preference/Priority - Priority will be given to mothers of children below 18 years of age. - Priority will be given to widows from families identified through the extreme poverty identification survey.
Application Mode
Offline
Application Process
Step 1: Visit the <nis:link nis:type=webUrl nis:id=slugId nis:text="official website" nis:value=https://minoritywelfare.kerala.gov.in/ nis:enabled=true/> of the Directorate of Minority Affairs and check on "News & Updates". Select the "Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women" and obtain the application form. Alternatively, you can also visit the <nis:link nis:type=webUrl nis:id=slugId nis:text="official website" nis:value=https://ksmdfc.org/ nis:enabled=true/>of KSMDFC and go to the "Application Form" section and select the "<nis:link nis:type=webUrl nis:id=slugId nis:text="Application Form for Widows' Loan Subsidy"" nis:value=https://ksmdfc.org/wp-content/uploads/2025/02/Widows-application-form.pdf nis:enabled=true/>. Take a printout and fill out the <nis:link nis:type=webUrl nis:id=slugId nis:text="application form" nis:value=https://minoritywelfare.kerala.gov.in/pdfnewsflash/imbichi.pdf nis:enabled=true/>. Step 2: Attach the required copies of documents (Income Certificate, Caste/Age Certificate, Certificate proving applicant is a widow/divorced/abandoned woman) for primary verification. Step 3: Submit the filled application form, either directly or by post, to the respective Regional Office of the Kerala State Minority Development Finance Corporation in your district. Attend the interview, bringing all original documents mentioned in the "Documents Required - For Interview" section. If the loan is approved, submit the additional required documents as per the chosen guarantee type (officer guarantee or property guarantee). The loan will be sanctioned as per the Corporation&39;s rules and government regulations
Required Documents
- For Initial Application (Copies to be submitted with the application):
- - Income Certificate from the Village/Tahsildar.
- - Caste/Age Certificate (Copy of School Certificate).
- - Certificate proving the applicant is a widow, divorced, or abandoned woman.
- For Interview (Originals to be presented):
- - Ration Card.
- - Aadhaar Card.
- - Caste/Age Certificate (Copy of School Certificate).
- - Income Certificate.
- - Certificate proving the applicant is a widow, divorced, or abandoned woman.
- - Permanent Residency Certificate.
- - Copies of the above documents (if not submitted previously).
- Documents required after the loan amount is decided during the interview:
- For Officer Guarantee (if applicable):
- - Salary Certificate of employees (working in government, quasi-government/public sector undertakings/panchayats/municipalities/universities/co-operative banks/aided schools/colleges).
- - Non-objection certificate (for employees on deputation, from the parent department).
- - Employment certificate (salary certificate) (only for those providing a guarantee).
- For property guarantee (if applicable):
- - Original deed of the property.
- - Adiadharam/Pattayam.
- - Property tax receipt for the current financial year.
- - Possession certificate (from village office).
- - Non-attachment certificate (from village office).
- - Property valuation certificate (from village office).
- - Property location map.
- - Location certificate (from village office).
- - Kudikkadam certificate for 14 years (from sub-registrar office).
- - Other required documents (if advised by the advocate).
- - Latest Kudikkadam certificate (after signing the agreement, up to the agreement date).
FAQs
What is this scheme for, and what kind of support does it offer?
This scheme is for widowed, divorced, and abandoned women to apply for a self-employment loan with a subsidy of up to one lakh rupees from KSMDFC. The scheme aims to help women from specific minority communities start their own businesses.
Which communities are eligible to apply for this self-employment loan scheme?
This scheme is exclusively for women belonging to the Muslim, Christian, Buddhist, Sikh, Parsi, and Jain communities.
What is the maximum subsidy amount I can receive on the loan?
The maximum subsidy available under this scheme is one lakh rupees.
What personal details do I need to provide in the application form?
You need to provide your name, father's name, age, date of birth, address (house name, place, post office, village, panchayat/block/municipality, house number, ward number, PIN), telephone number, Aadhaar card number, and email.
What information is required regarding my educational background and family income?
You need to provide your educational qualification and your family's annual income, with the amount written in figures.
What information is required regarding my educational background and family income?
You need to provide your educational qualification and your family's annual income, with the amount written in figures.
What details should I provide about the proposed project and the loan amount needed?
You should briefly describe the project, specify the total amount required, the amount you have in hand, and the loan amount you are requesting.
Will the application form ask if I or my family members have previously taken a loan from KSMDFC?
Yes, the form asks if you or your family members have taken a loan from KSMDFC, and if so, to provide detailed information.
Do I need to disclose if I have taken loans from other government or private institutions?
Yes, you need to indicate if you have taken loans from the government or other institutions, and provide detailed information if you have.
What information is required if I or my parents own land?
If you or your mother/father owns land, you need to provide details such as the owner's name, type of land (nilam/purayidam), area, survey number, village, taluk, district, and other sources of income from it, like agriculture or employment.
What kind of information is required about the guarantor's property?
If property is used as collateral, details such as the owner's name, type of land (nilam/purayidam), area, survey number, village, taluk, and other income sources from it, like agriculture or employment, are required.
What original documents must I bring when I attend the interview?
You must bring your original Ration Card, Aadhaar Card, Caste/Age certificate (copy of school certificate), Income Certificate, Certificate proving you are a widow, divorced, or abandoned woman, and Permanent Residence Certificate.