Pravasi Bhadratha Micro (NORKA-KSFE Micro Enterprises Assistance Scheme) Pravasi Bhadratha Micro
A NORKA Roots scheme for non-resident Keralites who have come home, run through KSFE branches, with loans of up to ₹5 lakh to set up micro and small enterprises and capital and interest subsidies from NORKA.
Last updated on
- Status
- Status unclear
- Run by
- The Kerala State Financial Enterprises Ltd (KSFE), a Kerala government company and not a bank, with NORKA Roots
What you get
- Loans up to ₹5 lakh
- Capital subsidy of 25% of the loan, up to ₹1 lakh
- Interest subsidy of 3% for the first 4 years
Who can apply
- New businesses, or people about to start one.
- Micro and small enterprises.
- Only for returnees from abroad.
- The most on offer is ₹5 lakh.
- For non-resident Keralites who have returned home
How to apply
- Ask a KSFE branch or the KSFE nodal officer named on the NORKA page about the scheme
In person, nearest KSFE branch, or the KSFE nodal officer for the scheme
In Kerala, KSFE branches, through the KSFE nodal officers for the scheme. KSFE says it has over 680 branches across Kerala.
Worth knowing
The NORKA page was last updated in June 2021 and the KSFE website does not list the scheme. A news report from late 2025 says loans were still going out through KSFE and Kerala Bank. Check with a KSFE branch before relying on it.
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 Seen something out of date?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.