Eligo is India's independent civic information platform for government schemes — not affiliated with any government body.
Verified citizen welfare programs, financial assistance, and subsidies applicable to residents of Karnataka. This directory covers both All-India Central Sector schemes and Karnataka-specific state programs.
Access statutory certificates (Income, Domicile, Caste), DBT status, and state application forms directly on Seva Sindhu Karnataka.
Citizens of Karnataka may access 1507 verified government welfare programs through Eligo's independently verified directory — spanning 1365 Central Sector and Centrally Sponsored schemes fully or partly funded by the Government of India, and 142 Karnataka-specific state programs funded from the state budget. These programs cover the full welfare spectrum: agricultural income support (PM-KISAN, PMFBY), universal healthcare coverage (Ayushman Bharat PMJAY), housing subsidies (PMAY), education scholarships (National Scholarship Portal), skill development (PM-KAUSHAL VIKAS), and social security pensions for senior citizens, widows, and persons with disabilities.
Five landmark guarantee schemes anchor Karnataka's welfare delivery to more than 6.1 crore citizens, led by Gruha Lakshmi's monthly ₹2,000 allowance to female household heads and the Yuva Nidhi unemployment stipend for diploma and degree graduates. All benefit flows are processed through the unified Seva Sindhu electronic gateway under the supervision of the Department of Women and Child Development and the Directorate of Employment and Training.
Anna Bhagya — 10 kg free rice/month for BPL families
All eligibility criteria, benefit amounts, and application portals listed on Eligo are sourced directly from official .gov.in / .nic.in portals and verified under Eligo's 180-day re-verification SLA.
Click a sector to view state-specific programs in that category.
Direct capital subsidy of ₹25,000 to ₹50,000 along with soft bank loans for rural and semi-urban youth to launch micro-enterprises.
Direct cash transfer of ₹170 per person per month (at ₹34/kg in lieu of 5 kg foodgrains) for BPL and Antyodaya ration cardholders across Karnataka.
Subsidized higher education loans of up to ₹1,00,000 per year at 2% simple interest for religious minority students pursuing professional courses.
Cashless hospitalization cover up to ₹5 Lakh per family per year for BPL families across 500+ tertiary hospitals for 1,650 procedures.
Guaranteed time-bound digital delivery of 40+ revenue and social welfare certificates at ₹40 fixed statutory fee available across districts in Karnataka.
Direct capital construction subsidy of ₹1.2 Lakh for homeless rural BPL and agricultural labour households in Karnataka.
Maturity financial bond of ₹1 Lakh at age 18 and annual ₹25,000 health insurance for BPL girl children in Karnataka supporting student academic advancement.
Capital investment subsidy of 25% to 35% on enterprise bank loans up to ₹25 Lakh for establishing micro-manufacturing and service units in Karnataka.
Free NSQF-aligned skill development training, certification, and job placement assistance for unemployed youth in Karnataka.
Capital subsidy of 25% to 35% up to ₹3.5 Lakh on project costs up to ₹10 Lakh for micro manufacturing and service units.
Direct scholarship of up to ₹20 Lakh per year (up to ₹40 Lakh total) for OBC students pursuing Master's and Ph.D. in top 500 global universities.
Direct financial subsidy of ₹1.2 Lakh for physically challenged, leprosy-cured, HIV-affected, and nomadic families in Karnataka.
Direct financial subsidy of ₹1.75 Lakh to ₹2 Lakh for homeless rural SC/ST families to construct a pucca house in Karnataka.
Housing financial subsidy of ₹1.75 Lakh (rural) and ₹2.00 Lakh (urban) for homeless Scheduled Caste and Scheduled Tribe families in Karnataka.
Direct capital subsidy of 50% to 75% (up to ₹3 Lakh) for SC/ST youth to purchase four-wheeled commercial taxis and goods transport vehicles.
Free emergency ECG screening and life-saving Tenecteplase thrombolytic injections worth ₹45,000 for heart attack patients.
100% free drilling of agricultural borewells, submersible pump installation, and power energization for small and marginal SC, ST, OBC, and minority farmers.
Direct capital subsidy of ₹14,000 to ₹19,000 for rural households with cattle to construct 2-3 cubic metre domestic biogas plants.
Subsidized saplings at ₹1-3 and survival incentive grant of ₹100 per living tree over 3 years for farmers planting trees in Karnataka.
Nutritious breakfast at ₹5 and lunch/dinner at ₹10 for urban poor, gig workers, daily wage labourers, and students in Karnataka.
Low-interest term loans up to ₹2 Crore at subsidized 4% interest rate for women entrepreneurs setting up industrial and service enterprises in Karnataka.
Karnataka Government program: Competitive innovation grant for software developers, bio-engineers, and researchers developing indigenous AI & healthcare solutions.
Concessional education loan up to ₹1 Lakh to ₹3 Lakh per year at nominal 2% interest for professional courses through KEA.
Karnataka Government program: State-sponsored credit guarantee and 5% interest subvention for bank credit availed by traditional weavers and handicraft artisans.
Karnataka Government program: State-sponsored credit guarantee and 5% interest subvention for bank credit availed by traditional weavers and handicraft artisans.
Karnataka Government program: Monthly stipend, device loan subsidy, and commission top-up for rural women operating as Business Correspondent agents.
Karnataka Government program: Monthly stipend, device loan subsidy, and commission top-up for rural women operating as Business Correspondent agents.
Karnataka Government program: Capital and production incentives for setting up compressed bio-gas (CBG), bio-coal, and bio-diesel plants in the state.
Karnataka Government program: Direct DBT financial subsidy on certified high-yield foundation crop seeds distributed through state agricultural cooperative centers.
50% government capital subsidy up to ₹50,000 and bank loan up to ₹1 Lakh at 4% interest for small businesses and shops for SC/ST and OBC youth.
Karnataka Government program: State government monthly stipend top-up for diploma and graduate apprentices engaged across industrial units.
Karnataka Government program: Solar lift pump and percolation tank grant for tail-end farmers and undulating terrain rainfed agricultural holdings.
Karnataka Government program: 15-day certified skill upgradation training for registered construction laborers in modern shuttering, plumbing, and tiling.
Karnataka Government program: Direct financial grant from the Chief Minister's Relief Fund for specialized treatment of cancer, cardiac, and renal diseases.
Karnataka Government program: Monthly foster care and kinship sponsorship grant for orphans and children whose biological parents are deceased or incapacitated.
Karnataka Government program: Free peritoneal and hemodialysis sessions in PPP mode across all district and sub-divisional hospitals.
Karnataka Government program: Monthly sustenance allowance and transport concession for persons with 40% or more benchmark physical or sensory disability.
Karnataka Government program: Full course fee sponsorship for rural agricultural youth to obtain DGCA certified Remote Pilot Drone License.
Non-equity, non-dilutive seed funding grant of up to ₹50 Lakh for innovative technology, biotech, deep-tech, and agri-tech startups.
Karnataka Government program: Fully funded CBSE English-medium residential schooling from class 6 to 12 for meritorious Scheduled Tribe children.
20% capital subsidy up to ₹10 Lakh for establishing public EV fast-charging stations and battery swapping kiosks along highways and cities.
Karnataka Government program: Financial assistance for electronic hardware MSMEs to procure testing equipment, SMD placement stations, and circuit analyzers.
Karnataka Government program: Capital assistance for rural youth and Farmer Producer Organizations (FPOs) to set up agricultural equipment custom hiring centers.
Karnataka Government program: Free sapling distribution and survival incentives for farmers planting fruit and timber trees along agricultural field boundaries.
100% tuition and development fee reimbursement for CET/NEET government quota students whose family annual income is below ₹2.5 Lakh.
Karnataka Government program: Financial grant for land levelling, irrigation borewell, and farm inputs for tribal families holding recognized forest rights.
100% free drilling of borewells, submersible pump installation, electrification, and pipeline laying (up to ₹4 Lakh) for SC/ST small farmers.
Karnataka Government program: Capital assistance for constructing community cattle dung biogas digesters producing clean cooking gas and organic slurry.
Karnataka Government program: Installation of solar-powered Wi-Fi hotspots and digital service delivery kiosks at Gram Panchayat secretariats.
Karnataka Government program: Financial assistance for developing multi-sport rural playgrounds and distributing volleyball, football, and cricket kits.
Karnataka Government program: State government top-up financial grant for residential rooftop solar consumers beyond central PM Surya Ghar subsidies.
100% free domestic electricity up to 200 units per month per household, reducing electricity bills to zero for 1.6+ Crore consumers.
Guaranteed monthly financial assistance of ₹2,000 (₹24,000 annually) credited via DBT into the bank accounts of woman heads of household.
Karnataka Government program: Capital subsidy for replacement of traditional pit looms with modern pneumatic frame looms and jacquard attachments.
Karnataka Government program: Monthly sustenance allowance and prototype seed capital for tech startups registered under the state startup innovation policy.
Karnataka Government program: Free branded toolkits for engineering trade ITI students and monthly attendance-linked practical training allowance.
Karnataka Government program: Capital grant for pond excavation, quality fingerling stocking, and aerator installation in rural community water bodies.
Karnataka Government program: Direct cash assistance for pregnant and lactating mothers delivering in government or accredited healthcare facilities.
Subsidized rental access to high-end farm machinery at 30% to 50% below commercial market rates across all hoblis available across districts in Karnataka.
Karnataka Government program: Guaranteed wage employment for land levelling, bunding, and irrigation well excavation on individual smallholder agricultural lands.
Collateral-free micro-credit loans up to ₹50,000 at nominal 4% interest rate with ₹10,000 government subsidy for women SHG members.
Daily hot cooked nutritious meal, boiled egg/sprouted pulses, 200ml milk, and iron-folic acid supplements at Anganwadis for 15 months.
Karnataka Government program: Lifelong monthly financial pension for retired veteran sportspersons who brought laurels to the state at national levels.
Karnataka Government program: Free laptop or tablet and certificate of merit for board exam toppers in class 10 and 12 from government schools.
Karnataka Government program: Special capital subsidy and zero-interest seed funding for women entrepreneurs establishing rural cottage and food processing units.
Karnataka Government program: Subsidized installation of high-efficiency water-saving drip and micro-sprinkler systems for horticulture and cash crops.
Karnataka Government program: Free distribution of motorized tricycles, wheelchairs, hearing aids, and artificial limbs for disabled citizens.
Karnataka Government program: Free physical classroom and digital coaching for UPSC, State PSC, JEE, NEET, NDA, and CDS for meritorious poor students.
Karnataka Government program: State universal cashless health coverage for poor and vulnerable families left out of the SECC database.
Karnataka Government program: Conditional phased cash assistance for girl children from birth through graduation to promote institutional delivery and female education.
Karnataka Government program: Financial marriage assistance for daughters of low-income, BPL, SC/ST, and construction worker families.
Karnataka Government program: Housing financial grant for low-income and vulnerable families residing in peri-urban and census towns.
Karnataka Government program: Margin money subsidy and interest subvention for educated unemployed youth setting up manufacturing and service enterprises.
Karnataka Government program: Substantial cash awards and direct gazetted / non-gazetted government employment for Olympic and National Games medalists.
Karnataka Government program: Monthly financial sustenance pension for destitute widows living without stable income or family maintenance.
Karnataka Government program: Financial assistance for registered building and construction workers to construct or purchase a pucca dwelling.
35% credit-linked capital subsidy up to ₹10 Lakh for establishing micro food processing, spice milling, and horticulture preservation units.
Karnataka Government program: Financial grant and modern tool-kit assistance for traditional artisans and micro enterprises manufacturing notified district products.
50% state top-up subsidy supplementing 30% central subsidy, providing up to 80% total financial support on solar water pumps up to 7.5 HP.
Karnataka Government program: State top-up financial grant for installation of 3 HP, 5 HP, and 7.5 HP standalone solar irrigation pumps in rural farming clusters.
Karnataka Government program: Comprehensive pucca housing, piped drinking water, solar lighting, and monthly nutrition ration kit for notified PVTG families.
Karnataka Government program: Financial grant for pediatric cochlear implant surgeries, device procurement, and post-operative speech rehabilitation.
Karnataka Government program: Financial grant for constructing underground covered stormwater drains and CC pavements in rapidly expanding outskirts.
Karnataka Government program: 100% tuition fee reimbursement and maintenance allowance for SC, ST, OBC, and EWS students in recognized degree colleges.
100% college tuition fee reimbursement, laboratory fee exemption, and annual maintenance allowance for higher education students.
100% financial coverage up to ₹50 Lakh covering full foreign university tuition, airfare, and living allowance for SC/ST students.
Karnataka Government program: Annual scholarship grant for day scholars and hostellers studying in classes 9 and 10 in recognized schools.
Karnataka Government program: Short-term crop production loan at zero or highly subsidized interest rate through primary cooperative credit societies.
Karnataka Government program: Short-term crop production loan at zero or highly subsidized interest rate through primary cooperative credit societies.
Karnataka Government program: Free night shelter accommodations, sanitation, hot water, and emergency healthcare for destitute urban migrants.
Showing top 90 of 1507 verified programs for Karnataka.
Explore targeted programs by sector using the category pills above, or search the full directory.
Browse All Schemes Directory →Common queries about accessing welfare programs in Karnataka.
As of Eligo's latest verification, 1507 verified welfare programs are available to residents of Karnataka, comprising 1365 Central Sector / Centrally Sponsored schemes available across all states and 142 programs specific to Karnataka. This includes schemes across health, agriculture, housing, education, skill development, and social security.
Most schemes in Karnataka can be applied for through three channels: (1) Online via the scheme's official portal or the central myscheme.gov.in gateway, (2) Through a Common Service Centre (CSC/Jan Seva Kendra) in your district, or (3) At your local Gram Panchayat or Block Development Office for rural schemes. Aadhaar linkage with your bank account is mandatory for all DBT-based schemes.
For most welfare schemes in Karnataka, you will need: (1) Aadhaar card with active mobile number linked, (2) Bank passbook showing account number and IFSC code with Aadhaar seeding confirmed, (3) Domicile/Residence certificate for Karnataka from Revenue Authority, (4) Income certificate from Tehsildar/SDM for means-tested schemes, (5) Caste certificate (SC/ST/OBC) if applying under reservation category. Agriculture schemes additionally require land records (Khasra, Khatoni).
Direct Benefit Transfer (DBT) schemes route payments directly to your Aadhaar-seeded bank account. In Karnataka, major DBT schemes include PM-KISAN (₹6,000/year for farmers), PMJJBY/PMSBY insurance premium subsidies, Pradhan Mantri Matru Vandana Yojana (maternity benefit), and state-specific social security pensions. Ensure your bank account is NPCI-mapped to Aadhaar to receive DBT payments without interruption.
Migrant workers from Karnataka can access portable entitlements under the One Nation One Ration Card (ONORC) scheme for subsidized food at PDS shops anywhere in India. PM-KISAN and most Central pension schemes follow the beneficiary's Aadhaar-linked bank account regardless of location. However, Karnataka-specific state schemes generally require active domicile and physical residence proof.
Under the JAM Trinity (Jan Dhan–Aadhaar–Mobile), welfare payments are electronically routed to your Aadhaar-seeded bank account via NPCI's banking network. Failed NPCI mapping is the most common cause of DBT payment failures. To check or update your seeding status: visit your bank branch, use the NPCI mapper portal at npci.org.in, or call the UIDAI helpline at 1947. The process is free and typically completes within 48–72 hours.
Agricultural welfare schemes follow seasonal cycles aligned with Kharif (June–August) and Rabi (October–December) crop seasons. PMFBY crop insurance enrollment typically closes 2 weeks before the sowing cut-off date. PM-KISAN eKYC renewal has a rolling deadline, usually by end of each quarter. Scholarship schemes (National Scholarship Portal) open annually in September–October. Check each scheme's detail page on Eligo for the most current deadline information.
For Central scheme grievances, file a complaint on the Central Public Grievance Redressal System (CPGRAMS) at pgportal.gov.in. For state scheme grievances in Karnataka, contact the nodal district office or the state's dedicated citizen helpline. For formal appeals, file an RTI application under the RTI Act 2005 at rtionline.gov.in — the Public Information Officer must respond within 30 days. If rejected, request the specific rejection reason in writing from the scheme's implementing agency.