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Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women

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.

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Source: myScheme.gov.in ↗Last verified: 5 Oct 2026·YojnaGuru is not affiliated with or endorsed by any government body

About This Scheme

The scheme Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women was introduced by the State Minority Welfare Department, Government of Kerala. The scheme aims to provide self-employment loans to women from minority communities. Through this scheme, government financial assistance with a 20% subsidy is provided to widows, divorced women, and abandoned women from minority communities. The scheme is implemented by the Kerala State Minority Development Finance Corporation.

Benefits

₹1.0 L

  • Financial assistance of up to ₹1,00,000/- as a government subsidy.
  • Maximum loan amount of ₹5,00,000/-.
  • The interest rate on the loan amount (excluding subsidy) is 6%.
Conditions/Criteria Associated with Benefits:

A 20% subsidy (maximum ₹1,00,000/-) is provided on the loan amount.

  • For a loan amount of ₹1,00,000/-, the subsidy is ₹20,000/-.
  • For a loan amount of ₹2,00,000/-, the subsidy is ₹40,000/-.
  • For a loan amount of ₹3,00,000/-, the subsidy is ₹60,000/-.
  • For a loan amount of ₹4,00,000/-, the subsidy is ₹80,000.
  • For a loan amount of ₹5,00,000/-, the subsidy is ₹1,00,000/-.

*At each stage of disbursement, photos and bills must be submitted.

*Direct inspection will be conducted at each stage of disbursement.

*An additional interest of 6% will be charged for misuse of funds.

Eligibility

Note: You may be eligible based on the information shown. Please verify the official eligibility requirements before applying.
  • •

    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's age should be between 20 and 60 years.

  • •

    The applicant's family'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.

Required Documents

  • ✦
    Income Certificate from the Village/Tahsildar.
  • ✦
    Caste/Age Certificate (Copy of School Certificate).
  • ✦
    Certificate proving the applicant is a widow, divorced, or abandoned woman.
  • ✦
    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).
  • ✦
    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).
  • ✦
    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).

✦ Required ◦ Optional

How to Apply

IIn-person

Step 1: Visit the official website 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 official website of KSMDFC and go to the "Application Form" section and select the "Application Form for Widows' Loan Subsidy". Take a printout and fill out the application form.

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's rules and government regulations

Quick Info

Level
Central Government
Max benefit
₹1.0 L

Available In

Kerala

Categories

Social welfare & EmpowermentBanking,Financial Services and InsuranceSkills & Employment

Data Sources