सामाजिक वर्ग/सामाजिक जाति उद्यमियों के लिए ब्याज सब्सिडी योजना
यह योजना SC/ST उद्यमियों को सूक्ष्म या लघु-स्तरीय सेवा उद्यम स्थापित करने और अपने मौजूदा इकाइयों का विस्तार, विविधीकरण या आधुनिकीकरण करने के लिए प्रोत्साहित करने का लक्ष्य रखती है। इस योजना के तहत,...
सामाजिक वर्ग/सामाजिक जाति उद्यमियों के लिए ब्याज सब्सिडी योजना Karnataka सरकार की योजना है (Startup & Innovation श्रेणी), जो Karnataka में लागू है। जानकारी का स्रोत/विभाग: Finance Department। आवेदन पूरे साल खुले हैं या अंतिम तिथि घोषित नहीं है। आधिकारिक पेज: ksfc.karnataka.gov.in।
Minimum loan amount under the scheme is ₹20.00 lakhs.
Maximum loan amount under the scheme is ₹1,000.00 lakhs which includes term loan and one time working capital term loan based on the project proposal but working capital term loan is restricted to maximum of ₹50.00 lakhs. However, repetition of working capital term loan sanction is not allowed.
The loan can be availed for establishing new units or expanding / diversifying / modernizing their existing units for more than one occasion, but the aggregate loan extended shall not be more than maximum limit under the scheme.
**Rate of Interest:**
The effective rate of interest is 4% only.
**Repayment Period:**
The repayment period is 8 years including moratorium period in case of loan upto ₹500.00 lakhs and upto 10 years in case of loan above ₹500.00 lakhs but below ₹1,000.00 lakhs.
पात्रता (कौन ले सकता है)
The unit shall be fully owned by SC / ST entrepreneurs i.e., all promoters in proprietary / partnership / company shall belong to SC/ST community only.
The ownership / share holdings of units even in part by other than SC/STs are not eligible for interest subsidy.
Entrepreneurs either can be SCs / STs or both.
**Others terms & conditions:**
The units which have availed the interest subsidy under any other scheme of Government of Karnataka/Government of India are not eligible for interest subsidy under this scheme.
To be eligible for interest concession under the scheme, the units should not be in default in repayment to KSFC.
KSFC is at liberty to consider any amount of project cost. However, the interest subsidy is restricted to ₹1,000.00 lakhs of the loan. Interest amount on the balance loan amount beyond ₹1,000.00 lakhs is required to be borne by the entrepreneurs.
KSFC may sanction loans with normal applicable rate of interest, the effective interest rate to be paid by the beneficiary / borrower will be 4%. The difference between the normal lending rate of KSFC and effective interest rate of 4% will be reimbursed by Government of Karnataka.
आवेदन कैसे करें
**Offline**
**Step 1:** The interested applicant should visit (during office hours) the Branch Office ([SC-ST-E.pdf](https://ksfc.karnataka.gov.in/storage/pdf-files/SCHEMES/SC-ST-E.pdf)) and request a hard copy of the prescribed format of the application form from the staff exclusively entrusted to issue and collect filled-in applications.
**Step 2:** In the application form, fill in all the mandatory fields, and attach copies of all the mandatory documents (self-attest, if required).
**Step 3:** Submit the duly filled and signed application form along with the documents to the Branch Office.
**Step 4:** Request a receipt or acknowledgment from the concerned authority to whom the application has been submitted.
Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).
ज़रूरी दस्तावेज़
Passport-size Photograph
Proof of SC/ST status of the entrepreneurs
Bio-Data Net Worth Statement
Affidavit (Affidavit-SC-ST.pdf)
Audited financial statements (if expanding an existing unit)
Bank account details for loan disbursement
Any other documents as specified by KSFC during the loan process
त्वरित जवाब
What is the Interest Subsidy Scheme for SC/ST Entrepreneurs?
It is a scheme introduced by the Government of Karnataka to provide interest subsidies on loans for SC/ST entrepreneurs through KSFC.
What is the effective interest rate under the scheme?
The effective interest rate is 4%, with the difference covered by the GoK.
Who is eligible to apply for this scheme?
SC/ST entrepreneurs who fully own their enterprises are eligible.
Can I apply for a loan to expand my existing business?
Yes, the scheme supports expansion, diversification, and modernization of existing units.
What is the minimum loan amount I can apply for?
The minimum loan amount is [?]20 lakhs.
What is the maximum loan amount I can apply for?
The maximum loan amount is [?]1,000 lakhs, including a working capital term loan of up to [?]50 lakhs.
Can I avail of more than one loan under this scheme?
Yes, but the total loan amount across projects must not exceed [?]1,000 lakhs.
What is the repayment period?
The repayment period is 8 years for loans up to [?]500 lakhs and 10 years for loans above [?]500 lakhs.
Are units that have availed of other GoK/GoI subsidies eligible?
No, units that have availed of interest subsidies under other schemes are not eligible.
What happens if I default on loan repayment?
The unit will not be eligible for the interest subsidy if it defaults on KSFC loan repayments.