Udyogini Scheme: Eligibility, Loan Amount, Subsidy, and Application

The 2026–27 call sets the age range at 21–55 years and specifies the following annual family-income ceilings:

The 2026–27 call also requires applicants to be permanent residents of Karnataka, to have an Aadhaar-linked mobile number and an Aadhaar-seeded bank account, and to meet the category-specific income ceiling. Applicants who have already received benefits under any KSWDC scheme are reported as ineligible to apply again. The current call states that applicants from earlier years who were not selected need not submit a fresh application. Confirm these conditions at the authorised centre before submission.

You should also expect the lending institution to assess the project and the applicant’s repayment capacity. Meeting the scheme’s basic criteria does not by itself guarantee loan sanction or subsidy approval.

The scheme is designed to support income-generating activities identified by KSWDC or accepted under the applicable programme instructions. The published State Level Bankers’ Committee summary refers to activities listed by KSWDC and other profitable activities accepted under the scheme.

Do not assume that every business activity qualifies or rely on an older list of 88 activities without checking the current approved list. Before preparing your project report, ask the district KSWDC office or the participating bank to confirm whether your proposed activity is eligible under the current notification.

The precise document checklist can vary with the current notification, district-level process, and participating lender. Before submitting an application, ask the implementing office for its current checklist. Depending on your circumstances, you may be asked for:

• A completed application form and recent photographs
• Identity and address proof
• A valid family-income certificate, where applicable
• Caste or disability certificate, if you are applying under a relevant category
• Bank account details
• A project report describing the proposed activity, estimated cost, and expected income
• Any additional documents requested by KSWDC or the lending institution

Keep the originals available for verification, but submit copies only in the format requested by the implementing office or lender.

The application route and dates are determined by the current-year notification and district-level implementation process. Do not assume that an online application facility is open throughout the year.

The 2026–27 application call reports that applications close at 5:30 pm on 31 October 2026. According to the 2026–27 call information, applications are accepted through Bapuji Seva Kendra, Grama One, Bengaluru One, and Karnataka One centres. Some current reports also refer to Seva Sindhu. Confirm the available submission route with KSWDC or the service centre before applying.

Prepare the prescribed application, proof of Karnataka residence, age and income documents, Aadhaar-linked mobile details, Aadhaar-seeded bank account details, and a project report. The service centre may request additional documents for verification. The bank assesses the loan proposal, while KSWDC processes subsidy assistance under the scheme’s approval procedure.

There is not a single current interest rate or repayment tenure that applies to every Udyogini applicant. 

Ask the participating bank for a written illustration showing the sanctioned interest rate, repayment period, instalment amount, any charges, and how the subsidy will be adjusted. Do not assume that a subsidy makes the loan interest-free or that every category receives the same rate.

There is not a universal collateral exemption or a nil processing fee for every participating lender and loan. Confirm these terms directly with the bank handling your application and obtain the applicable charges in writing before accepting a sanction.

• Confirm that a current application window is open and that your district is accepting applications.
• Check the latest age, income, residence, and category conditions in the current notification.
• Verify that your proposed business activity is eligible.
• Ask for the current project-cost ceiling and category-wise subsidy calculation.
• Obtain the lender’s written details of interest, repayment, collateral, and charges.
• Keep the project report and supporting documents consistent with the costs and activity you propose.

The Udyogini Scheme’s project-cost ceiling is substantially lower than the funding some businesses may need for expansion, equipment, or working capital. If you need a separate financing option, Bajaj Finance offers business loans of up to Rs. 80 lakh, subject to eligibility, assessment, and approval. You can check your business loan eligibility before deciding whether this option suits your business requirement.

If you already have a business loan offer available, review its amount, pricing, and repayment terms before proceeding. You can check your pre-approved business loan offer to see whether an offer is available to you. Any offer remains subject to the applicable terms and verification.

Note: A business loan from Bajaj Finance is a separate financing product and is not part of, or a substitute for, the Karnataka Government’s Udyogini Scheme.