The Self Employment Scheme is an initiative by the Government of Karnataka designed to empower individuals from the State Religious Minority Communities—which include Muslims, Christians, Sikhs, Buddhists, and Jains—by providing financial support to start or improve small-scale enterprises. This scheme focuses on enhancing opportunities in sectors such as handicrafts, service industries, and agro-based activities, and the subsidies are disbursed through Nationalized and Scheduled Banks.
Benefits
- Subsidy Amount:
A subsidy equal to 33% of the unit cost or a maximum of Rs. 1.00 Lakh, whichever is lower, is provided to eligible beneficiaries.
Eligibility
Applicants must meet the following criteria:
- Community Requirement:
Must belong to the State Religious Minority Community (Muslim, Christian, Sikh, Buddhist, or Jain). - Residency:
The applicant must be a permanent resident of Karnataka. - Age Limit:
Applicants should be between 18 and 55 years of age. - Income Criteria:
- In rural areas, the family’s annual income from all sources should not exceed Rs.81,000.
- In urban areas, the income limit is Rs.1,03,000 per annum.
- Employment Status:
No member of the applicant’s family should be an employee of the State, Central, or any Government PSU. - Loan History:
Applicants should not have availed a loan from the Karnataka Minority Development Corporation (KMDC) earlier.
Selection Panel
The beneficiaries will be selected by a panel comprising:
- MLA of the concerned Assembly Constituency (Chairman)
- A Member of the Legislative Council who is a permanent resident of the Taluk (Vice-Chairman)
- Concerned Taluk Tahsildar (Member)
- Executive Officer of the concerned Taluk Panchayat (Member)
- District Lead Bank Manager (Member)
- District Joint Director, Commerce, and Industry (Member)
- Concerned District’s Deputy Director, Women and Child Welfare Department (Member)
- Concerned District Manager, Karnataka Minority Development Corporation (Member Secretary)
Application Process
The application process is conducted online:
- Online Application:
- Visit the official website and fill out the online application form.
- Print and Submit:
- Print the completed application form.
- Submit the printed application form along with the required documents.
- Approval and Disbursement:
- After the Selection Panel approves the application, the subsidy will be transferred directly to the applicant’s bank account.
Documents Required
- Latest 2 passport size photos of the beneficiary.
- Caste and income certificate.
- Copy of Aadhaar card.
- Project report detailing the proposed industry activity.
- (Any additional documents as specified in the online application guidelines.)
Frequently Asked Questions
-
Who will get the benefits?
Benefits are available to persons belonging to the State Religious Minority Communities in Karnataka who meet the eligibility criteria. -
What are the benefits?
A subsidy of 33% of the unit cost or up to a maximum of Rs. 1.00 Lakh is provided to help establish or enhance small-scale enterprises. -
Is there any provision for training under this scheme?
Specific training provisions are not mentioned in the scheme details; applicants should refer to the official guidelines for further information. -
What is the main focus area of this scheme?
The scheme focuses on promoting self-employment in small-scale handicraft industries, service sectors, and agro-based activities. -
Is this a fully subsidized scheme?
No, it offers a subsidy covering up to 33% of the unit cost or a maximum of Rs. 1.00 Lakh. -
Who should apply?
Applicants must belong to the State Religious Minority Communities and satisfy the residency, age, and income criteria. -
What is the age limit required to apply for this scheme?
Applicants must be between 18 and 55 years of age. -
Is this scheme only for persons belonging to State Religious Minority Communities?
Yes, only individuals from the designated State Religious Minority Communities are eligible. -
What should be the annual family income of the applicant?
Family income should not exceed Rs.81,000 in rural areas or Rs.1,03,000 in urban areas. -
Who should not apply?
Applicants whose family members are employed by the State, Central, or Government PSUs or those who have previously availed a loan from KMDC should not apply. -
What is the link to apply for this scheme?
Applicants should visit the official website of the Karnataka Minority Development Corporation (or the relevant portal as specified in the guidelines). -
What are the required documents?
Required documents include the latest two passport-size photos, caste and income certificates, Aadhaar card copy, and a detailed project report. -
How to get a Caste Certificate?
Caste certificates are issued by the designated government authority; applicants should refer to the official guidelines for the application process. -
What document is to be used for Permanent Residence Proof?
Permanent residence proof may include documents such as the Aadhaar card, voter ID, or any other government-issued residence certificate.