Self-employment subsidy on bank loans for persons with disabilities
A back-end subsidy of up to ₹1 lakh from the state disability welfare corporation on a bank loan of up to ₹10 lakh taken by a person with a disability to start self-employment.
Last updated on
- Cost to apply
- Free, the application form costs nothing
- Status
- Open
- Run by
- Kerala State Handicapped Persons Welfare Corporation (Kerala State Differently Abled Welfare Corporation)
What you get
- Subsidy of up to ₹1 lakh on a self-employment loan from a bank
- The subsidy is held by the bank and credited when the loan balance falls to the subsidy amount
- Interest and other loan terms are set by the bank
Who can apply
- New businesses, or people about to start one.
- Nano and micro enterprises.
- Only for persons with disabilities.
- Age 18 or over.
- The most on offer is ₹1 lakh.
- At least 40% disability
- Aged 18 or over, or 14 or over for persons with intellectual disability through a legal guardian
- Permanent resident of Kerala
- Annual income below ₹1 lakh
- Bank loan of up to ₹10 lakh, from a bank in whose service area the applicant lives
- Not a government employee
- Subsidy given only once in 5 years or the loan period, whichever is longer
How to apply
- Download the 2026 to 2027 bank loan subsidy form from the corporation's website
- Fill it in and attach the documents listed
- Send it to the Managing Director, Kerala State Handicapped Persons Welfare Corporation, Poojappura, Thiruvananthapuram 695012
- The corporation recommends you to the bank, and the bank decides the loan
In person, Post or hand in the form to the Managing Director at the Poojappura head office, or at a regional or district office
In Kerala, head office at Poojappura, Thiruvananthapuram, regional offices at Fort Kochi and Kozhikode, district offices at Kasaragod, Painav (Idukki) and Mattannur (Kannur)
Head office
Documents to keep ready
- Self-attested copy of the medical certificate showing at least 40% disability, and the UDID card
- Ration card, first and second pages
- Aadhaar
- Income certificate issued within the last year
- Project report for the planned venture
- Passport size photo
Worth knowing
Applications invited by notice No. KSHPWC/611/2026-PA dated 28 July 2026 for 2026 to 2027. No closing date is given.
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.