Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups)
Interest-free credit up to ₹5 Lakh and subsidized 4% loans up to ₹10 Lakh for women SHGs to establish micro-enterprises.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹250 Crore interest subvention and cooperative credit fund
Official Budget Document ↗Over 45,000 women SHGs availed credit totaling ₹1,200 Crore
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Registered women self-help group in Karnataka with minimum 10 members operating a viable economic activity.
Required Documents Checklist
Verify readiness before applying for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Eligible SHG passes a resolution requesting business capital and applies at nearest DCC Bank or Primary Agricultural Cooperative Society (PACS).
- 2
Submit group audit report, loan application form, and enterprise project profile.
- 3
DCC Bank sanctions loan and state government reimburses interest subvention directly to the bank.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-repayment of previous institutional loans or unregistered informal groups.
Official Government Application Portal
You will be redirected to the secure official portal: cooperation.karnataka.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What economic activities can SHGs undertake with this loan?
Activities include food processing, handlooms, agarbatti making, nursery raising, tailoring units, and retail kirana stores.
Source: Official Scheme FAQ ↗Who is eligible to apply for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups)?
Eligible applicants must satisfy official government criteria for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups). Age: min 18 max 60 years. Annual family income ceiling: ₹3,00,000. Applicable gender: female. Conditions: Registered women self-help group in Karnataka with minimum 10 members operating a viable economic activity..
Source: Official Scheme FAQ ↗What are the key benefits provided under Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups)?
Under official guidelines for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups), beneficiaries are entitled to: Provides zero-percent (0%) interest rate loans up to ₹5,00,000 and subsidized 4% interest rate loans for amounts between ₹5 Lakh and ₹10 Lakh through cooperative banks and District Central Cooperative (DCC) banks to Self-Help Groups for commercial activities.
Source: Official Scheme FAQ ↗How do I apply for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups)? What is the official process?
To apply for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups), applicants should follow the official procedure: 1. Eligible SHG passes a resolution requesting business capital and applies at nearest DCC Bank or Primary Agricultural Cooperative Society (PACS). 2. Submit group audit report, loan application form, and enterprise project profile. 3. DCC Bank sanctions loan and state government reimburses interest...
Source: Official Scheme FAQ ↗Can I track my Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups) application status?
Application status for Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups) can typically be tracked through the official portal at cooperation.karnataka.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-repayment of previous institutional loans or unregistered informal groups.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 225 | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Kayaka Yojana (Zero-Interest Working Capital Loans for Women Self-Help Groups) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous application at cooperative banking branches
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Requires documentation or office visit
Related Welfare Programs
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📅Scheme Milestone Timeline
Baseline verification of Kayaka Yojana (Zero-Interest Working Capital Loans for ...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Cooperation, Karnataka
MS Building, Dr. B.R. Ambedkar Veedhi, Bengaluru 560001
Helpline: 080-22253796
Jurisdiction: KarnatakaNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
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