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Udyogini (Karnataka loan subsidy for women)

Udyogini (Karnataka loan subsidy for women) is a state government scheme. Bank loans of ₹1 lakh to ₹3 lakh for women starting a business, with 30% subsidy for general and special category women and 50% for SC and ST women. Who qualifies: Women aged 18 to 55 living permanently in Karnataka. Applying is free on kswdc.karnataka.gov.in.

Last updated: Reviewed by IndiaDigital editorsSources

You getSee benefit below
WhereKarnataka (state government)
Run byKarnataka State Women's Development Corporation, Govt of Karnataka
Last checked1 November 2026

What do you get under Udyogini?

Bank loans of ₹1 lakh to ₹3 lakh for women starting a business, with 30% subsidy for general and special category women and 50% for SC and ST women.

Who is eligible for Udyogini?

  • Women aged 18 to 55 living permanently in Karnataka.
  • Family income below ₹1.5 lakh a year (general and special category) or ₹2 lakh (SC and ST).

Documents needed for Udyogini

0 of 6 ready

Offices may ask for more. Check the official list before you go.

How to apply for Udyogini

  1. Apply when the corporation invites applications (through the district Women and Child Development office or the online portal it names), with a project report for your business.

Go to the official site ↗

Common questions

Who is eligible for Udyogini?

Women aged 18 to 55 living permanently in Karnataka. Family income below ₹1.5 lakh a year (general and special category) or ₹2 lakh (SC and ST).

How much do I get under Udyogini?

Bank loans of ₹1 lakh to ₹3 lakh for women starting a business, with 30% subsidy for general and special category women and 50% for SC and ST women.

What documents do I need for Udyogini?

Aadhaar card (linked to your mobile number); Address proof; Income certificate; Caste certificate (SC / ST / OBC), if you claim it; Business proof or plan (Udyam, vending certificate, quotation); Bank passbook or account details (Aadhaar-seeded account).

How do I apply for Udyogini?

Apply when the corporation invites applications (through the district Women and Child Development office or the online portal it names), with a project report for your business. Official site: https://kswdc.karnataka.gov.in/21/udyogini/en

Do I have to pay anyone to apply for Udyogini?

No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.

Official sources

Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.

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