KSDC Loan for Rehabilitation of Returned Emigrants (NORKA Roots)
A self-employment loan of up to ₹20 lakh at 6% to 8% for Scheduled Caste and Scheduled Tribe returnees recommended by NORKA Roots, with NORKA's capital and interest subsidies.
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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 up to ₹20 lakh
- 6% interest up to ₹5 lakh, 8% above
- Repay over 5 years
- NORKA Roots capital subsidy of 15%, up to ₹3 lakh
- NORKA Roots interest subsidy of 3% for the first four years for regular repayment
Who can apply
- New businesses, or people about to start one.
- Micro enterprises.
- Only for SC and ST and returnees from abroad.
- The most on offer is ₹20 lakh.
- Scheduled Caste or Scheduled Tribe returned non-resident Keralite recommended by NORKA Roots
- Annual family income below ₹20 lakh
- After a default the subsidies continue only once the dues are cleared
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
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 Seen something out of date?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.