KSMDFC Self Employment Scheme for Minorities, own fund
A self-employment loan of up to ₹20 lakh at 8% from KSMDFC's own funds for minority community members with family income up to ₹15 lakh.
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- Cost to apply
- No application fee is mentioned on the scheme page
- Status
- Open
- Run by
- Kerala State Minorities Development Finance Corporation (KSMDFC)
What you get
- Loan up to ₹20 lakh at 8%
- One month moratorium, then repay over 84 months
- Loan covers up to 95% of the project cost
Who can apply
- Micro and small enterprises.
- Only for minority communities.
- Age 18 to 58.
- The most on offer is ₹20 lakh.
- Muslim, Christian, Sikh, Buddhist, Parsi or Jain community
- Aged 18 to 58
- Annual family income up to ₹15 lakh
- Security is either property, checked by the corporation's advocate panel, or the salary certificate of a permanent government, public sector, local body, university, co-operative bank or aided school or college employee.
How to apply
- Download the application form for the scheme from the KSMDFC website or collect it from an office
- Submit it with the documents asked for
- Attend the interview and document check
- Provide property security or a government employee's salary certificate as surety, then sign the agreement
In person, KSMDFC head office or the nearest regional office
In Kerala, KSMDFC head office in Kozhikode and regional offices in Kasaragod, Perinthalmanna (Malappuram), Tanur, Kalamassery (Ernakulam), Kottayam, Alappuzha and Thiruvananthapuram
Worth knowing
Listed on the KSMDFC programmes 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 Seen something out of date?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.