The Santwana Scheme is launched by the Minorities Welfare Department, Government of Karnataka, and implemented by the Karnataka Minorities Development Corporation. The scheme is designed to support individuals belonging to religious minorities whose houses and shops have been destroyed due to natural calamities and communal violence. Under this scheme, financial assistance is provided through a combination of a loan and subsidy, where up to ₹5,00,000/- per unit cost is available, split equally as 50% loan and 50% subsidy.
Benefits
- Loan Amount:
Up to ₹5,00,000/- per unit cost. - Subsidy Structure:
50% of the total assistance is provided as a subsidy, and the remaining 50% is a repayable loan. - Financial Relief:
This blended approach eases the financial burden by reducing the repayable amount while facilitating the reconstruction or rehabilitation process.
Eligibility
Applicants must meet the following criteria:
- Religious Minority:
The applicant should belong to a recognized religious minority in Karnataka. - Residency:
Must be a permanent resident of Karnataka. - Age:
The applicant’s age must be between 18 and 55 years. - Income:
The total family income from all sources should not exceed ₹8,00,000/-. - Employment Status:
The applicant’s family members should not be employees in the Central or State Government. - Previous Loans:
The applicant or their family should not have availed of a loan facility from the Karnataka Minorities Development Corporation (except the Arivu Education Loan Scheme) in the last five years.
Application Process
The application process is entirely online. Follow these steps:
- Visit the Official Website:
Go to the Karnataka Minorities Development Corporation’s official website. - Initiate Application:
Click on “Apply Online” and enter your mobile number, then click “Submit”. - Aadhaar Verification:
Enter your Aadhaar number, complete the Captcha, and click “Next”. You will receive an OTP on your Aadhaar-linked mobile number. - OTP Confirmation:
Enter the OTP and click “Continue”. Allow the official notice and verify your Aadhaar by entering the OTP again. - Scheme Selection and Details:
Select the scheme, which may be listed as the “Sikhligar’s Community Development Scheme”, and fill in the basic details such as father’s name, gender, and educational qualifications. - Address and Document Upload:
Provide your address details, and upload the required documents (passport-size photo, educational documents, income certificate, etc.). - Submission:
Click “Proceed” and then “Submit Application” to obtain an Application ID.
Documents Required
- Recent passport-size photo.
- Caste/Minority Certificate (issued by the competent authority).
- Income Certificate (issued by the competent authority).
- Copy of Aadhaar Card (as residential proof).
- Copy of Bank Passbook.
- Self-declaration form from the surety.
- Applicant’s self-declaration.
- A damage report from the relevant competent authority (for aggrieved beneficiaries).
Frequently Asked Questions
-
Who is eligible for this scheme?
Applicants must belong to a recognized religious minority, be permanent residents of Karnataka, aged between 18 and 55, with a family income not exceeding ₹8,00,000/-, and must not have recent KMDC loan history (excluding the Arivu Education Loan Scheme). -
What financial assistance does the scheme offer?
The scheme offers a blended package of up to ₹5,00,000/- per unit cost, split equally as 50% subsidy and 50% repayable loan. -
What is the income limit to apply for this scheme?
The total family income should not exceed ₹8,00,000/-. -
Can government employees apply for this scheme?
No, the applicant’s family members should not be employed in the Central or State Government. -
Can I apply if I have availed a KMDC loan in the past?
Applicants who have availed any KMDC loan (except the Arivu Education Loan Scheme) in the last five years are not eligible. -
Do I need to provide a damage report?
Yes, aggrieved beneficiaries are required to obtain a report from the relevant competent authority. -
What is a back-end subsidy?
The back-end subsidy refers to the 50% of the financial assistance provided as a non-repayable subsidy, reducing the overall loan burden. -
Can the loan be used for purposes other than rebuilding?
The loan is intended for rehabilitation purposes such as rebuilding houses or shops affected by natural calamity and communal violence. -
What happens if I fail to use the funds as intended?
Applicants must adhere to the intended use of funds as per the scheme guidelines. Misuse of funds could lead to penalties or ineligibility for future assistance. -
Can I apply for this scheme if I am already a sustainer of KMDC?
Eligibility criteria regarding previous KMDC loan history must be met; those who have availed loans (other than the Arivu Education Loan Scheme) in the last five years are ineligible.