Karnataka Arya Vysya Aahara Vahini Scheme

Scheme Introduction: A Brief Overview

The Karnataka Arya Vysya Aahara Vahini Scheme (also known as the Arya Vysya Food Truck Scheme or Bank Tie-up Arya Vysya Ahara Vahini Scheme) is a focused livelihood programme of the Karnataka Arya Vysya Community Development Corporation Ltd. (KACDC), a Government of Karnataka undertaking. The scheme supports members of the Arya Vysya community in establishing mobile food businesses by providing financial assistance for the purchase and conversion of vehicles into food trucks.

Recognising the community's traditional expertise in preparing quality food, the Corporation aims to promote financial self-sufficiency and overall socio-economic development through practical self-employment opportunities. Under this bank-linked scheme, eligible beneficiaries can receive a maximum subsidy of ₹2 lakh (released in two stages) when they obtain a complementary loan from a nationalised bank, co-operative bank, regional rural bank or scheduled bank for a unit costing approximately ₹6 lakh to ₹12 lakh.

To qualify, applicants must belong to the Arya Vysya community, hold a valid Form-G caste and income certificate, have an annual family income not exceeding ₹6 lakh, be aged between 21 and 55 years, and be permanent residents of Karnataka. Reservations of 33% for women, 5% for specially-abled candidates, and 5% for third-gender candidates are provided. Only one member per family is eligible to apply. Applications are accepted online through the official Corporation website. 

By combining subsidy support with formal bank credit, the scheme significantly reduces the initial capital barrier that often prevents small entrepreneurs from starting a food-truck business. Beneficiaries receive up to ₹2 lakh as a subsidy in two stages while arranging the remaining amount through a bank loan, making it easier to purchase a suitable vehicle and convert it into a functional mobile eatery. This practical approach helps members of the Arya Vysya community turn their traditional food skills into a sustainable source of self-employment and steady income.

Scheme Benefits

Under the Karnataka Arya Vysya Aahara Vahini Scheme, eligible beneficiaries receive the following benefits:

• Maximum financial assistance of ₹2.00 lakh per unit is available under the official guidelines.
• The assistance is given only when the beneficiary has secured a loan from an eligible bank or financial institution for a unit cost of approximately ₹6 lakh to ₹12 lakh.
• This bank-linked model allows the beneficiary to finance the major portion of the cost through a formal loan while receiving substantial support from the Corporation.
• Reservations: 33% for women, 5% for specially-abled (differently-abled) candidates, and 5% for third-gender candidates.
• Beneficiaries who had taken loans under the Self-Employment Direct Loan Scheme for 2019-20 and 2020-21 can reapply under this scheme if they have fully repaid that loan within the prescribed period.

Subsidy Release Pattern

Eligibility Requirements

To avail the benefits of the Arya Vysya Aahara Vahini Scheme, an applicant must meet the following requirements.

• The applicant must belong to the Arya Vysya community.
• Must possess a valid caste and income certificate in Form-G.
• Annual family income must not exceed ₹6,00,000 (for both rural and urban areas).
• Age should be above 21 years and below 55 years.
• Applicant must be a permanent resident of Karnataka with a permanent address in the state.
• Only one candidate per family is allowed.

Required Documents

The following documents are required to apply under the Arya Vysya Aahara Vahini Scheme

• Valid Form-G caste and income certificate (mandatory as per official guidelines).
• Aadhaar and other standard identity and address proofs.
• Bank account with Aadhaar seeding.

Steps to Apply

The entire application process is designed to be simple and fully online through the Corporation’s official website. To apply, you can simply follow the steps below.

• Visit the official website of the Karnataka Arya Vysya Community Development Corporation.
• On the homepage, in the Apply Online section within the dashboard, select the Arya Vysya Ahaara Vahini scheme link.
• Carefully read the scheme guidelines displayed on the screen. Tick the consent/declaration checkbox and click Click to Proceed.
• Enter your Aadhaar number on the subsequent page and select the option to generate an OTP.
• Enter the One-Time Password (OTP) received on the mobile number linked to your Aadhaar. After successful verification, click Submit.
• Your Aadhaar-linked demographic details will appear on the screen. Review the information carefully for accuracy and click Proceed.
• Complete all mandatory sections of the application form, including RD (Revenue Department) details, personal and family particulars, scheme preferences, and the required agreement/declaration. After filling each section, click Save and Proceed.
• Review the entire application form thoroughly to ensure all details are correct and complete. Once verified, click Submit Application.
• In this manner, your application will be successfully submitted.

Selection and Implementation

Once applications are received, a systematic process is followed to select eligible candidates and release the benefits.

• Eligible applications undergo scrutiny and verification of documents.
• Selection is carried out as per the reservation norms and other eligibility conditions.
• Approved beneficiaries receive the subsidy in stages linked to the purchase of the vehicle and its subsequent conversion into a food truck.
• The entire process is carried out in coordination with the financing bank.

Relevant Links

• Karnataka Arya Vysya Aahaara Vahini Scheme Details
• Karnataka Arya Vysya Community Development Corporation Portal

Contact Information

• Karnataka Arya Vysya Community Development Corporation Helpline Numbers: 080-22868888, 9448451111
• Arya Vysya Community Development Corporation Helpdesk Email: [email protected]