Karnataka Udyogini Scheme

Scheme Introduction: A Brief Overview

The Karnataka Udyogini Scheme 2026–27 is a financial assistance scheme for women in Karnataka who want to start an income-generating business or activity. The scheme provides access to business loans ranging from ₹50,000 to ₹3 lakh and offers subsidy support to eligible beneficiaries. Through this assistance, the scheme helps women arrange the funds required to establish a small business and create a source of income through self-employment.

The subsidy amount under the current 2026–27 provisions depends on the category of the applicant. SC/ST women can receive a subsidy of 75% of the eligible amount, subject to a maximum of ₹2 lakh. Women belonging to other eligible categories can receive a 30% subsidy, subject to a maximum of ₹90,000. The subsidy reduces the financial burden associated with setting up an eligible business activity.

Women between 21 and 55 years of age can apply for the Karnataka Udyogini Scheme if they meet the other conditions specified for the scheme. The annual family income should not exceed ₹2 lakh for SC/ST applicants and ₹1.50 lakh for applicants belonging to other eligible categories. Applicants should also maintain a bank account linked with their Aadhaar as required for the 2026–27 application process.

The scheme covers different income-generating business activities approved under the Udyogini Scheme. The existing business activity list is based on earlier Karnataka Udyogini Scheme guidelines, while the 2026–27 application notice does not provide a newly revised complete list. Therefore, applicants should confirm that their proposed activity is eligible under the latest instructions before submitting the application.

The Karnataka State Women's Development Corporation implements the Karnataka Udyogini Scheme. For the 2026–27 application cycle, eligible women can submit their applications through designated service centres, including Grama One, Bangalore One and Karnataka One. Applicants should keep the required documents and bank details ready while applying.

The last date to apply for the Karnataka Udyogini Scheme 2026–27 is 31 October 2026, up to 5:30 PM. Women looking for additional financial support for self-employment and business activities can also explore the Karnataka Shrama Shakthi Loan Scheme and the Karnataka Direct Loan For Business Enterprises Scheme.

Latest Update

The Karnataka State Women's Development Corporation has invited applications under the Karnataka Udyogini Scheme for 2026-27. Eligible women aged 21 to 55 years can apply for the Udyogini Scheme through Bapuji Seva Kendra, Grama One, Bengaluru One and Karnataka One centres. The last date to apply is 31 October 2026, up to 5.30 pm.

Scheme Benefits

The Karnataka Udyogini Scheme 2026–27 provides financial support to eligible women to start or expand an income-generating business activity. The main benefits under the scheme are as follows:

• Eligible women can get a business loan ranging from ₹50,000 to ₹3 lakh.
• SC/ST women can receive a subsidy of 75% of the eligible amount, up to a maximum of ₹2 lakh.
• Women belonging to other eligible categories can receive a subsidy of 30%, up to a maximum of ₹90,000.
• The scheme provides financial support to eligible women for starting or expanding an income-generating business or activity.
• The subsidy can reduce the amount of financial contribution that the beneficiary needs to arrange for the eligible business activity.

List of Business Permitted

The Karnataka Udyogini Scheme supports women who want to start an income-generating business or activity. The scheme has an approved list of business activities under its guidelines. Applicants should select an eligible activity and meet the applicable scheme conditions to receive the loan and subsidy.

The Karnataka State Women's Development Corporation has specified business activities that can receive assistance under the Udyogini Scheme. The existing business list is based on earlier scheme guidelines, while the 2026–27 application notice does not provide a newly revised activity list.

Note: The above business activities are based on the business list published in earlier Karnataka Udyogini Scheme guidelines. The 2026–27 application notice does not provide a revised list of eligible business activities. Therefore, applicants should confirm whether their proposed business activity is eligible under the latest Karnataka State Women's Development Corporation guidelines before submitting the application.

Eligibility Requirements

Women applicants must meet the following conditions to apply for financial assistance under the Karnataka Udyogini Scheme for 2026–27:

• Applicant must be a woman and a permanent resident of Karnataka.
• The applicant should be between 21 and 55 years of age.
• Business unit cost should be between Rs. 1,00,000/- and Rs. 3,00,000/- for all applicants.
• The applicant should be eligible to undertake an approved income-generating business activity under the scheme.
• The annual family income of SC/ST applicants should not exceed ₹2 lakh.
• The annual family income of applicants belonging to other eligible categories should not exceed ₹1.50 lakh.
• The applicant should have a bank account linked with Aadhaar, as required under the 2026–27 application notice.

Required Documents

Applicants should keep the following documents ready while applying for the Karnataka Udyogini Scheme:

• Aadhaar Card of the applicant.
• Birth Certificate.
• Address Proof and Income Certificate.
• BPL Card and Ration Card, if applicable.
• Caste Certificate, if applicable.
• Bank Account Details.
• Mobile Number.
• Three latest passport-size photographs.
• Training or Experience Certificate related to the proposed business activity.
• Detailed Project Report of the proposed business activity.
• Quotations for equipment, machinery and other proposed expenses.
• Any other document required by the concerned bank or authority.

Steps to Apply

Women searching for how to apply for the Karnataka Udyogini Scheme should note that the application route is fixed. Applications must be submitted at one of four designated citizen service centres: Bapuji Seva Kendra, Grama One, Bengaluru One or Karnataka One.

• Ensure your mobile number is linked to your Aadhaar and that Aadhaar seeding is completed for your bank account, before you apply.
• Visit any one of the four designated citizen service centres named in the notification, whichever is nearest to you:
  • Bapuji Seva Kendra - located at the Gram Panchayat level in rural areas.
  • Grama One - the state's rural citizen service centre network.
  • Bengaluru One - for applicants in Bengaluru city.
  • Karnataka One - for applicants in other cities and towns of the state.
• Ask the operator for the Udyogini Scheme service of the Karnataka State Women's Development Corporation on the Seva Sindhu portal.
• Provide your personal, income and business activity details, and submit the documents sought.
• Applicants under the discretionary quota must first obtain the recommendation letter and submit it along with the application.
• Complete the submission on or before 31 October 2026, by 5.30 pm.
• Collect the acknowledgement generated at the centre, which is needed to track the application later.
• Selected beneficiaries undergo Entrepreneurship Development Programme training, after which the bank releases the loan and the Corporation releases the subsidy.

Relevant Links

• Karnataka Udyogini Scheme Guidelines.
• Karnataka State Women Development Corporation Portal.

Contact Information

• KSWDC Phone Number:
  • 080-26632792
  • 080-26632973.
• Karnataka State Women Development Corporation Contact Details.