Government of Kerala · National Employment Service (Kerala)

Kaivalya employment and rehabilitation scheme for persons with disabilities Kaivalya

An interest-free self-employment loan of ₹50,000 to ₹1 lakh, half of it a subsidy, plus career guidance and coaching, for persons with disabilities registered at an employment exchange.

Last updated on 5 November 2026

Cost to apply: Free
Status: Open
Run by: National Employment Service (Kerala), Department of Labour and Skills, through the employment exchanges

Official website (external site)

What you get

Interest-free loan up to ₹50,000, up to ₹1 lakh if the project needs it
50% of the loan is a government subsidy
Vocational and career guidance, capacity building and coaching for competitive exams

Who can apply

New businesses, or people about to start one.
Nano enterprises.
Only for persons with disabilities.
Age 21 to 55.
The most on offer is ₹1 lakh.
Persons with disabilities registered at an employment exchange in Kerala
Aged 21 to 55
Literate
Students are not eligible
Annual family income up to ₹2 lakh
If the disability is severe, a close relative may run the project

How to apply

Submit the Kaivalya application at your employment exchange with the prescribed medical certificate

In person, the employment exchange where you are registered

In Kerala, the employment exchange where you are registered, then a bank or co-operative bank for the loan

Documents to keep ready

Kaivalya application form
Prescribed medical certificate of disability
Project report
Income certificate

Worth knowing

Set up by G.O.(P) No.174/2016/LBR dated 1 November 2016. No change found for 2026.

Where we found this

An independent guide by The Company of Four, not a government website. Schemes change often, so check every detail on the official website before you apply. Links marked ↗ open external websites that we do not run, and we are not responsible for their content. Seen something out of date? Tell us and we will look into it.