Santwana Scheme”, launched by the Minorities Welfare Department, Government of Karnataka, and implemented by the Karnataka Minorities Development Corporation (KMDC), supports religious minorities whose houses or shops have been destroyed due to natural calamities or communal violence. The scheme provides a mix of loans and subsidies for rebuilding efforts.
Benefits
- Loan Amount: Up to ₹5,00,000/- per unit cost.
- Subsidy Amount:
- 50% of the loan amount is offered as a subsidy.
- The remaining 50% is repayable as a loan.
Eligibility Criteria
- Residency: Applicant must be a permanent resident of Karnataka.
- Category: Must belong to a religious minority community (Muslim, Christian, Sikh, Jain, Buddhist, or Parsi).
- Age: Between 18 to 55 years.
- Income: Family income from all sources must not exceed ₹8,00,000/- per year.
- Employment: Family members should not be employed in Central or State Government services.
- Loan History: The applicant or their family should not have availed any loan from KMDC in the last five years (except Arivu Education Loan Scheme).
Application Process
Online Process
- Visit: Go to the KMDC official website.
- Apply Online:
- Click on “Apply Online”.
- Enter Mobile Number and submit.
- Provide Aadhaar Number and complete CAPTCHA.
- Verification:
- Receive an OTP on the Aadhaar-linked mobile number.
- Verify OTP and proceed.
- Fill Details:
- Enter personal, address, and scheme-specific details.
- Upload required documents (passport photo, Aadhaar, caste certificate, income certificate, etc.).
- Submit: Complete the application and save the Application ID for tracking.
Documents Required
- Photo: Passport-sized photograph.
- Caste/Minority Certificate: Issued by a competent authority.
- Income Certificate: Issued by a competent authority.
- Proof of Residence: Copy of Aadhaar card.
- Bank Details: Copy of Bank Passbook.
- Self-Declaration: From the applicant and surety.
- Damage Report: From a competent authority (if applicable).
Frequently Asked Questions (FAQs)
- Who is eligible for this scheme?
Religious minorities, permanent residents of Karnataka, aged 18–55 years, with family income ≤ ₹8,00,000/- annually. - What financial assistance does the scheme offer?
A maximum loan of ₹5,00,000/- per unit, with 50% subsidy. - Can government employees apply?
No, applicants or their family members employed in the Central or State Government are not eligible. - Can I apply if I have taken a KMDC loan before?
Only if the previous loan was Arivu Education Loan Scheme, otherwise not eligible. - What is a back-end subsidy?
A subsidy credited directly to the applicant’s loan account. - Do I need a damage report?
Yes, for cases involving destruction due to natural calamities or communal violence. - Can the funds be used for other purposes?
No, the loan and subsidy must be used strictly for rebuilding.