The Government of Kerala approved the scheme āOne Family One Enterpriseā to encourage entrepreneurial activity in every household and empower women's entrepreneurship. This scheme...
The assistance provided under this scheme shall be in the form of an interest subvention on a reimbursement basis.
All new MSMEs engaged in manufacturing, service, and trading activities shall be eligible for interest subvention on the interest charged by the financial institution on an approved project for loan amounts up to ā¹10 lakhs (for Term loan and/or working capital loan) for a period of five years from the date of disbursement of the 1st installment of the loan by the financial institution.
In a case where the loan amount exceeds ā¹10 Lakhs, the interest subvention shall be considered for loans up to ā¹10 Lakhs only.
The rate of subvention will be up to a maximum of 6%. The subvention will be the difference in the rate of interest charged by the financial institution and 4 %.
Eligibility (who can apply)
All new micro, small, and medium enterprises in manufacturing, service, and trading activities, that availed of Term Loan and/or Working Capital Loan, shall be eligible for assistance under this scheme.
The MSME units, that commenced operation/production on or after 1/4/2022, are eligible for assistance under this scheme.
The unit shall have a valid Udyam Registration.
As of the date of submission of the claim, the loan accounts should not have been declared as NPA as per extant guidelines in force.
The unit shall be working as of the date of application.
The unit shall not have availed any grant assistance under any scheme of the Central Government/State Government/ Local Self Government Department.
Even though the scheme is for new units as item 1 above, an exemption is there for units supported by the Prime Minister Formalization of Micro Food Processing Enterprises (PMFME) scheme of the Ministry of Food Processing Industries, Govt. of India. In order to dovetail this scheme with the PMFME scheme - existing enterprises supported under the PMFME scheme shall also be eligible for assistance under the "One Family One Enterprise (OFOE)" scheme provided the unit commenced production after expansion/ modernization/ diversification on or after 01/04/2022.
Even though the scheme is not eligible for units who have availed any grant assistance under any scheme of Central Government/State Government/ Local Self Government Department as item 6 above, an exemption is there for units supported by Prime Minister Formalization of Micro Food Processing Enterprises (PMFME) scheme of the Ministry of Food Processing Industries, Govt. of India. Units that have availed/are availing assistance under the PMFME scheme shall be el
How to Apply
**Online**
**Step 01:** Application can be submitted online through the Official website of the Directorate of Industries & Commerce, Government of Kerala.
The applicant needs to visit the [official website](https://schemes.industry.kerala.gov.in/public/index.php/schemes).
**Step 02:** The applicant may select the scheme āOne Family One Enterpriseā from the available Online Services listed on the home page and click on the āApply Nowā option.
While clicking āApply Nowā redirected to the Login Page.
If new user use the āRegistrationā option and if already registered use the āLoginā option.
**Step 03:** A new user can register by filling in his/her details and after successful registration, the user can login.
**Step 04:** After successful login, the applicant may fill out the application form.
Frequently Asked Questions
Who is eligible for One Family One Enterprise Scheme / what is the eligibility?
1. All new micro, small, and medium enterprises in manufacturing, service, and trading activities, that availed of Term Loan and/or Working Capital Loan, shall be eligible for assistance under this scheme.
1. The MSME units, that commenced operation/production on or after 1/4/2022, are...
What are the benefits of One Family One Enterprise Scheme ?
1. The assistance provided under this scheme shall be in the form of an interest subvention on a reimbursement basis.
1. All new MSMEs engaged in manufacturing, service, and trading activities shall be eligible for interest subvention on the interest charged by the financial institution...
How to apply online for One Family One Enterprise Scheme ?
**Online**
**Step 01:** Application can be submitted online through the Official website of the Directorate of Industries & Commerce, Government of Kerala. The applicant needs to visit the [official website](https://schemes.industry.kerala.gov.in/public/index.php/schemes).
**Step 0...