KSWDC term loans for minority women, NMDFC Credit Lines and Virasat
Self-employment term loans of up to ₹30 lakh at 6% for women from notified minority communities, with a separate Virasat line for artisans.
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- Cost to apply
- No application fee. Risk fund contribution as in the General Guidelines
- Status
- Open
- Run by
- Kerala State Women's Development Corporation (KSWDC), funded by the National Minorities Development and Finance Corporation (NMDFC)
What you get
- Credit Line 1, up to ₹20 lakh at 6% for family income up to ₹3 lakh, repaid over 5 years
- Credit Line 2, up to ₹30 lakh at 6% for family income of ₹3 lakh to 8 lakh, repaid over 5 years
- Virasat Credit Line 1 for craftswomen, up to ₹10 lakh at 4% for family income up to ₹3 lakh
- Virasat Credit Line 2 for craftswomen, at 5% for family income of ₹3 lakh to 8 lakh
Who can apply
- Nano and micro enterprises.
- Only for women and minority communities.
- Age 18 to 55.
- The most on offer is ₹30 lakh.
- Women from notified minority communities, Muslim, Christian, Sikh, Buddhist, Parsi or Jain
- Annual family income up to ₹8 lakh
- Virasat is for artisans and craftswomen
- Security and documents as in the KSWDC General Guidelines
Where to apply
In person, KSWDC head office in Thiruvananthapuram or a KSWDC regional office
In Kerala, KSWDC offices, online through Mithrasoft
Figures you may see elsewhere
The KSWDC table shows the Virasat Credit Line 2 amount as ₹3 lakh to 8 lakh, the same as its income band, so the loan amount for that line is unclear.
Worth knowing
Listed on the KSWDC loan schemes page 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 Seen something out of date?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.