Karnataka Kayaka Yojana 2023-24: Application Form, Benefits, Eligibility @ kvldcl.karnataka.gov.in

The Karnataka Kayaka Yojana is an innovative scheme launched in Karnataka with the objective of promoting and facilitating the development of Self Help Groups (SHGs) across the state. Through the Kayak Scheme, the state government would provide loans to these groups from cooperative banks.

People can apply online for this program and get an interest-free loan by checking the steps required to fill up the kayak program online application form and get more information here.

In this post, we will share important information and benefits of the scheme that eligible women will get if they enroll under it.

Karnataka Kayaka Yojana 2023-24(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆ)

In Karnataka, the state chief minister has instituted a zero-interest (interest-free) or subsidized loan scheme for women self-help groups (SHGs) SHGs are eligible for loans up to Rs million 10 from the state government and cooperative banks.

The Karnataka Kayaka Yojana announced by the chief minister in the 2018-19 state budget aims to increase the number of employment opportunities for women in the state. The scheme is just one of many social security schemes undertaken by the state government to nurture employment and develop talent

Karnataka Kayaka Yojana Details(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆಯ ವಿವರಗಳು)

Name of the Scheme	Karnataka Kayaka Yojana
Launched Date	January 2021
Launch by	Karnataka State Govt.
Inaugurated By	Karnataka CM HD Kumaraswamy
Apply	Online
Loan Amount	Not Mentioned
Interest Rate	Up to 5 Lakhs – 0%, Above 10 Lakhs – 4%

Karnataka Kayaka Yojana Objectives(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆಯ ಉದ್ದೇಶಗಳು)

The objective of the program is to provide financial assistance to women and self-help groups, create self-employment opportunities, strengthen SHGs, and otherwise impact them This organization will work to promote women entrepreneurship. SHGs will have an opportunity to improve their current financial situation. They will not face any problem in getting a bank loan.

Kayaka Yojana Benefits(ಕಾಯಕ ಯೋಜನೆ ಪ್ರಯೋಜನಗಳು)

• Women and SHGs receive support from the government in their search for self-employment. Which means more job opportunities.
• SHG members can improve their economic status by participating in the scheme. Financial assistance will be available.
• Under the scheme, women can easily access loans. The main advantage of the scheme is the fact that the applicant will be given interest-free loan.
• If the applicant charges less than Rs. 5 lakhs, no interest is charged on the loan. If the amount is between Rs. 5 lakh and Rs. 10 lakhs, then they have to pay interest at 4%.
• The applicant is eligible for a loan from one of the cooperative banks, which has been made publicly available by the state government.
• The maximum loan amount is between INR 1 lakh and 1 lakh.
• The Karnataka state government is going to procure the finished goods produced by the SHG members. For this reason, successful applicants will receive a reliable income.

Karnataka Kayaka Yojana Eligibility(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆ ಅರ್ಹತೆ)

• Those who have made Karnataka their permanent home are eligible to apply for this scheme.
• The program was intended for participants in self-help groups.
• This scheme is open for participation of all the candidates and approved SHGs in the State of Karnataka.
• The candidate is expected to have to contribute not less than Rs. 20,000 per month gross income. If they have more than twenty thousand, they cannot register under the scheme.

Karnataka Kayaka Yojana Documents(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆ ದಾಖಲೆಗಳು)

• Certificate of residency of the applicant.
• ID Proof such as aadhar card etc.
• Bank Account Information.
• Membership Certificate for Self-Help Groups
• Income Certificate.
• Candidate’s Photograph

Karnataka Kayaka Yojana Applying Procedure(ಕರ್ನಾಟಕ ಕಾಯಕ ಯೋಜನೆಗೆ ಅನ್ವಯಿಸುವ ವಿಧಾನ)

• State officials had earlier said any interested parties and self-help groups would have to register on the official website to participate.
• Without this, they cannot get their hands on the digital registration form.
• Once the online form is available, applicants will need to complete the necessary steps to apply for the loan.
• State officials have not released many specifics about the actual enrollment process.
• If they are eventually available, we will provide relevant information about them in this post.
• Applicants will be transferred to their respective bank accounts once the initial registration is completed.

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