Direct Loan Scheme Karnataka
The “Direct Loan Scheme” offers financial assistance to unemployed scheduled caste individuals from the leather artisan community to start small businesses.
About This Scheme
The “Direct Loan Scheme” was implemented by Karnataka Leather Industries Development Corporation Ltd, Department of Social Welfare, Govt of Karnataka. The scheme aims to provide financial assistance to unemployed scheduled caste individuals from the leather artisan community to start small businesses and empower artisans and improve their livelihoods by providing access to capital to start or expand small-scale enterprises.
Benefits
Financial assistance with a 50% subsidy and 50% loan.
Total unit cost is ₹1,00,000/-.
Loan repayment in 24 equal installments with a 4% interest rate.
Eligibility Criteria
The applicant should be leather artisans.
The applicant should belongs to sub-castes Arundathiyar, Chammadiya, Chamar, Chambar, Chamagar, Madar, Madig, Madiga, Mini Madig, Jambavalu, Haralayya, Machigar, Mochigar, Mochi, muchi, Telugu Mochi, kamaati mocha, Rohidas, Dhor, kakkayya, Kankayya, Samagara, Samagar, Aadhi Anddra, Aadhi Dravida, Aadhi Karnataka among scheduled castes.
The age of the applicant should be 18 years.
The applicant’s annual family income should not exceed ₹30,000/- in rural areas and ₹25,000/- in urban areas.
The applicant or their family members must not have received benefits from other schemes, except training programs.
The applicant’s family members should not be employed in government or semi-government organizations.
Application Process
Apply Online
Registration Process:
Step-01: Visit the official
Seva Sindhu Portal
.
Step-02: Choose “New Users Register Here” and fill in your Aadhaar Number and the Captcha code.
Step-03: An OTP will be sent to your Aadhaar-linked mobile number. Enter the OTP to continue.
Step-04: Once your DigiLocker account is created, click “Allow” to proceed.
Step-05: Fill out your email ID, mobile number, create a password, and enter the captcha, then click “Submit”.
Step-06: You will receive OTPs on both your email and mobile number. Enter both OTPs and select “Validate”.
Step-07: Once validated, a confirmation message will indicate your registration is successful.
Applying for a Scheme:
Step-01: Go to
Seva Sindhu Portal
and select “Department & Services”.
Step-02: Select department “Social Welfare Department” and click on the scheme “Direct Loan Scheme”
Step-03: Click “Apply Online” and enter your registered email ID/mobile number and the OTP.
Step-04: Select the scheme and provide your personal, address, and banking details as required.
Step-05: Once submitted, you will receive an Application ID. You can use this ID to track your application status on the portal.
Official Source: View on myScheme.gov.in
Benefits
Financial assistance with a 50% subsidy and 50% loan.
Total unit cost is ₹1,00,000/-.
Loan repayment in 24 equal installments with a 4% interest rate.
Application Process
Apply Online
Registration Process:
Step-01: Visit the official Seva Sindhu Portal
.
Step-02: Choose "New Users Register Here" and fill in your Aadhaar Number and the Captcha code.
Step-03: An OTP will be sent to your Aadhaar-linked mobile number. Enter the OTP to continue.
Step-04: Once your DigiLocker account is created, click "Allow" to proceed.
Step-05: Fill out your email ID, mobile number, create a password, and enter the captcha, then click "Submit".
Step-06: You will receive OTPs on both your email and mobile number. Enter both OTPs and select "Validate".
Step-07: Once validated, a confirmation message will indicate your registration is successful.
Applying for a Scheme:
Step-01: Go to Seva Sindhu Portal
and select "Department & Services".
Step-02: Select department "Social Welfare Department" and click on the scheme "Direct Loan Scheme"
Step-03: Click "Apply Online" and enter your registered email ID/mobile number and the OTP.
Step-04: Select the scheme and provide your personal, address, and banking details as required.
Step-05: Once submitted, you will receive an Application ID. You can use this ID to track your application status on the portal.
References & Official Links
Scheme Details
| Full Name | Direct Loan Scheme Karnataka |
| Short Title | DLSK |
| Level | State |
| Scheme For | Individual |
| Categories | Business & Entrepreneurship |
| States | Karnataka |
| Gender | All |
| Caste/Category | SC |
| Area | Both |
| Income Limit | ₹30,000/year |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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