Government of Kerala · Kerala State Backward Classes Development Corporation (KSBCDC)

KSBCDC Start-Up Scheme for OBC professionals

A start-up loan of up to ₹20 lakh for professionally qualified young people from backward classes, with a 20% subsidy up to ₹2 lakh from the Backward Classes Development Department.

Last updated on 5 November 2026

Cost to apply: No application fee is mentioned on the official pages
Status: Open
Run by: Kerala State Backward Classes Development Corporation (KSBCDC)

Official website (external site)

What you get

Loan up to ₹20 lakh
Subsidy of 20% of the loan, up to ₹2 lakh, under the department's Self Employment Grant for Professionals

Who can apply

New businesses, or people about to start one.
Micro enterprises.
Only for OBC and young entrepreneurs.
Age up to 40.
The most on offer is ₹20 lakh.
Professionally qualified young people from communities on the Kerala list of other backward classes
Up to 40 years old, per the Backward Classes Development Department
Annual family income up to ₹4.5 lakh, per the Backward Classes Development Department

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

Figures you may see elsewhere

A consultancy site gives ₹5 lakh at 6% in rural areas and ₹10 lakh at 7% in urban areas, which may be an older version. The KSBCDC FAQ says up to ₹20 lakh.

The Malappuram district page, last updated 16 February 2022, lists start-up loans for ages 18 to 40 through NMDFC (up to ₹20 lakh or ₹30 lakh) and NBCFDC (up to ₹20 lakh) at 6% to 8%.

Worth knowing

Named in the KSBCDC FAQ on 5 November 2026. No separate scheme page was found on ksbcdc.com.

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 Seen something out of date?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.