KSDC Beneficiary Oriented Scheme
A loan at 7% for Scheduled Caste and Scheduled Tribe people starting a small viable project costing up to ₹3 lakh.
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- Cost to apply
- No application fee is mentioned on the official pages
- Status
- Open
- Run by
- Kerala State Development Corporation for Scheduled Castes and Scheduled Tribes (KSDC)
What you get
- Loan for projects costing up to ₹3 lakh, at 7%
- Repay over up to 5 years
Who can apply
- New businesses, or people about to start one.
- Nano enterprises.
- Only for SC and ST.
- Project cost up to ₹3 lakh.
- Scheduled Caste or Scheduled Tribe
- Annual family income up to ₹3.5 lakh
How to apply
- Get the self-employment loan form (Swayam Thozhil) from the KSDC website or a district office
- Fill it in, get the income certificate from the village officer and the certificate from the local SC or ST development officer
- Submit it at the KSDC district office with the documents
- Attend the interview, after which the district manager sanctions the loan
- Provide the salary guarantee or property security and sign the loan papers
In person, KSDC district office for your district
In Kerala, KSDC district offices
Head office
KSDC for SC and ST head office, run by SC and ST Development Departments, Government of KeralaPB No. 523, Town Hall Road, Thrissur 6800200487 2331064, 0487 2331469
Documents to keep ready
- Self-employment loan application form
- Ration card
- Caste certificate
- Family income certificate from the village officer
- Proof of age
- Voter ID card and Aadhaar
- Certificate from the block, municipal or corporation SC or ST development officer on earlier loans and subsidies
- Bank account details with IFSC
- Project report where needed
- Security documents, either a government employee's salary guarantee or property
Worth knowing
Listed on the KSDC 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 Seen something out of date?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.