NORKA Vanitha Mithra Self-Employment Loan NORKA Vanitha Mithra
നോർക്ക വനിതാ മിത്രA self-employment loan of up to ₹30 lakh for women who have come home after at least two years abroad, with a NORKA capital subsidy and interest subsidy.
Last updated on
- Cost to apply
- No application fee is mentioned
- Status
- Open
- Run by
- Kerala State Women's Development Corporation (KSWDC) with NORKA Roots
What you get
- Loan up to ₹30 lakh
- Capital subsidy of 15% of the project cost, up to ₹3 lakh, adjusted against the last instalments of the loan
- Interest subsidy of 3% for the first four years
- Both subsidies are given only to borrowers who repay without default
- Repay over 5 years
Who can apply
- New businesses, or people about to start one.
- Micro enterprises.
- Only for women and returnees from abroad.
- Age 18 to 55.
- The most on offer is ₹30 lakh.
- Women who worked or lived abroad for at least two years and have returned
- Annual family income up to ₹3 lakh
- Only one person per family and one loan per person
- The loan is sanctioned only after final approval from NORKA Roots
- Loan amount and interest follow the rules of the national finance corporation that funds it
How to apply
- Fill in the NORKA Vanitha Mithra application form from KSWDC
- Attach the ration card copy, passport copies and a project report
- KSWDC processes the loan and sends it to NORKA Roots for final approval
In person, KSWDC head office, Transport Bhavan, Eastfort, Thiruvananthapuram, or a regional office
In Kerala, KSWDC offices, online through Mithrasoft, final approval by NORKA Roots
Head office
Documents to keep ready
- Ration card copy
- Self-attested copies of the passport pages with passport details and personal details
- Self-attested copies of the visa and exit pages and the pages showing the last journey
- Project report with the project cost
- Aadhaar or PAN
- Details of an Aadhaar-linked bank account
- Security documents for property or salary guarantee
Figures you may see elsewhere
The English web page gives no income or age limit. The Malayalam guidelines give an age of 18 to 55 and family income up to ₹3 lakh, which are used here.
Worth knowing
Listed on the KSWDC loan schemes page on 5 November 2026 with a target of at least 1,000 women a year.
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.