Punarjani Self-Employment Scheme for widows Punarjani
A self-employment loan of up to ₹5 lakh at 7% for widows, with 20% of the loan, up to ₹1 lakh, paid as a subsidy by the Backward Classes Development Department.
Last updated on
- Cost to apply
- No application fee is mentioned on the official pages
- Status
- Open
- Run by
- Kerala State Backward Classes Development Corporation (KSBCDC)
What you get
- Loan up to ₹5 lakh at 7%
- Subsidy of 20% of the loan, up to ₹1 lakh, from the Backward Classes Development Department
- Repay over 60 months up to ₹2 lakh, 72 months above ₹2 lakh
Who can apply
- Nano and micro enterprises.
- Only for widows, OBC and minority communities.
- Age 18 to 60.
- The most on offer is ₹5 lakh.
- Widows aged 18 to 60
- Annual family income up to ₹2.5 lakh
- KSBCDC's own schemes are for other backward classes and minority communities
How to apply
- Get the application form from the nearest KSBCDC district or sub-district office
- Submit it with the documents listed
- After data entry you are called for an interview and the originals are checked
- Provide security and sign the loan papers once the loan is sanctioned
In person, nearest KSBCDC district or sub-district office
In Kerala, KSBCDC district and sub-district offices
Documents to keep ready
- Application form from the nearest KSBCDC office
- Income certificate
- Ration card
- Aadhaar
- Caste or community certificate
- Project report, where needed
- Security documents
Worth knowing
Listed on the KSBCDC own schemes page, read on 5 November 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 Seen something out of date?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.