Udyogini Scheme in Karnataka

udyogini-scheme Karnataka

The Karnataka Udyogini Scheme is an initiative by the Government of Karnataka aimed at fostering entrepreneurship and empowering women in the state. Launched with the vision of promoting economic self-sufficiency, the scheme focuses on providing financial assistance, skill development, and support to women entrepreneurs who aspire to start or expand their businesses.

Key Objectives:

  1. Empowering Women Entrepreneurs: The scheme seeks to empower women by providing them with the necessary tools, resources, and financial support to establish and manage their own enterprises.
  2. Financial Assistance: Karnataka Udyogini offers financial assistance in the form of loans, grants, or subsidies to eligible women entrepreneurs. This financial aid serves as a catalyst for business initiation and expansion.
  3. Skill Development: Recognizing the importance of skill enhancement, the scheme includes provisions for training programs and workshops to equip women with the necessary entrepreneurial skills and knowledge.
  4. Promoting Sustainable Businesses: The scheme encourages the establishment of businesses that align with sustainable and eco-friendly practices. This promotes not only economic growth but also environmental responsibility.

Key Features:

  1. Inclusive Eligibility Criteria: The scheme is designed to be inclusive, covering women from various socio-economic backgrounds. Eligibility criteria are framed to ensure that a diverse range of aspiring entrepreneurs can benefit.
  2. Financial Support Options: Women entrepreneurs can access financial support through a variety of options, such as low-interest loans, grants, or subsidies. This flexibility aims to cater to the diverse financial needs of businesses.
  3. Collaboration with Financial Institutions: Karnataka Udyogini collaborates with recognized financial institutions to streamline the process of availing financial assistance. This ensures that the funds reach the beneficiaries efficiently.
  4. Monitoring and Evaluation: The scheme incorporates a robust monitoring and evaluation framework to assess the impact of the support provided. Regular reviews help in refining and enhancing the program for optimal effectiveness.

Application Process: Prospective beneficiaries can apply for the Karnataka Udyogini Scheme through an online portal or designated application centers. The application process typically involves submitting a detailed business plan and fulfilling the specified eligibility criteria.

The Karnataka Udyogini Scheme stands as a testament to the government’s commitment to fostering women entrepreneurship and economic development in the state. By providing a comprehensive support system, the scheme aims to create a conducive environment for women to thrive as successful entrepreneurs, contributing to the overall growth of Karnataka’s economy.

Customer Care
Overview Of The Scheme
Name of Scheme Karnataka Udyogini Scheme.
Launched in 2015-16
  • Collateral Free Business Loan.
  • Subsidy on Loan will also provided.
Beneficiaries Women of Karnataka.
Nodal Agency Karnataka State Women Development Corporation.
Mode of Apply Through Karnataka Udyogini Scheme Application Form.


Benefits of Scheme

  • The following benefits will be provided to all eligible women beneficiaries under Karnataka Government’s Udyogini Scheme :-
    • Collateral and Interest Free Business Loan will Provided.
    • Women Beneficiary can take a Maximum Business Loan up to Rs. 3,00,000/-.
    • Subsidy of 50% of Loan Amount will be Provided to SC/ ST Category Beneficiary.
    • Subsidy of 30% of Loan Amount will be Provided to Special/ General Category Beneficiary.


  • Karnataka Government sets the following eligibility conditions for women beneficiaries in order to provide them a subsidised loan under Udyogini Scheme :-
    • Women Beneficiary should be a permanent resident of Karnataka.
    • The Age of Women Beneficiary should be between 18 Years to 55 Years.
    • Business Unit Cost should be from Rs. 1,00,000/- to Rs. 3,00,000/- for All Applicant.
    • The Annual Income of SC/ ST Women Beneficiary should be less than Rs. 2,00,000/-.
    • The Annual Income of General/ Special Category Women Beneficiary should be less than Rs.1,50,000/-.
    • There is no Income Limit for Widow or Disabled Women Beneficiary.

Documents Required

  • The list of documents that are required to be attached with the application form at the time of applying for Karnataka Udyogini Scheme are as follows :-
    • Applicant’s Aadhar Card.
    • Birth Certificate.
    • Address and Income Proof.
    • BPL Card & Ration Car. (For Below Poverty Line)
    • Caste Certificate. (If applicable)
    • Bank Account Details.
    • Mobile Number.
    • Any Other Document Required by the Bank/ NBFC.

How to Apply

  • Eligible Women Beneficiary can apply for Udyogini Scheme of Karnataka Government by filling Application Form.
  • Application Form of Karnataka Udyogini Scheme is available free of cost at District Office of Karnataka State Women’s Development Corporation.
  • Collect the Udyogini Scheme Application Form and Fill it carefully.
  • Attach all the required documents with the Application Form.
  • Submit the Karnataka Udyogini Scheme Application Form along with all the documents in the same District Office of Karnataka State Women’s Development Corporation.
  • Concerned Officials will verify the received application form and documents.
  • List of of those beneficiaries who are eligible to get loan in Udyogini Scheme will be made then.
  • Final List of Selected Beneficiary of Udyogini Scheme will then forwarded to concerned bank for the disbursal of loan amount.
  • Beneficiary Women will be informed through SMS about the Application Status of Udyogini Scheme.
  • Amount of Loan provided under Karnataka Udyogini Scheme will be directly transferred in the bank account of women beneficiary.
  • Subsidy on Loan will be paid by Government of Karnataka directly to concerned bank.
  • EDP Training of 3 to 6 days will be provided to women beneficiary before releasing the loan amount in Udyogini Scheme.

Important Links

Karnataka State Women Development Corporation Portal.

Contact Details