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The Udyogini scheme is Karnataka’s (KSWDC) loan-with-subsidy for women: on a unit of up to ₹3 lakh, SC/ST women get 50% (max ₹1.5 lakh) and other women 30% (max ₹90,000); a bank lends the rest. Check your subsidy, loan and EMI below. Free, no login.
Udyogini Subsidy & EMI Calculator
Enter your unit cost, category, income and age. See if you qualify, your subsidy, the bank loan and your EMI. ಉದ್ಯೋಗಿನಿ ಸಹಾಯಧನ ಮತ್ತು EMI ಲೆಕ್ಕ.
Free estimate, not approval. Udyogini scheme, Karnataka State Women Development Corporation (KSWDC), Dept of Women & Child Development. Unit cost up to ₹3 lakh; subsidy 50% up to ₹1.5 lakh (SC/ST) or 30% up to ₹90,000 (general and special category); family income below ₹2 lakh (SC/ST) / ₹1.5 lakh (others), no limit for widows and women with disability; age 18–55. Official: kswdc.karnataka.gov.in. Rules verified on 11 Oct 2026.
Is Udyogini a national scheme? What bank “Udyogini” pages mean
No. Udyogini is run by the Karnataka State Women Development Corporation, so the subsidy is only for women living in Karnataka. Pages from banks and lenders (Bajaj Finserv, Tata Capital, L&T Finance, Godrej Capital, Paisabazaar and others) that say “Udyogini loan up to ₹3 lakh from all banks” are general explainers or lead forms for their own business loans; they do not give the KSWDC subsidy. In Karnataka the loan comes from the bank branch the district committee picks after you apply on Seva Sindhu. If you live elsewhere, look at PMEGP (15–35% subsidy, all India), Mudra or our women business loan finder.
Worked examples
Example 1 (SC woman, Kalaburagi): Lakshmi, 35, family income ₹1.8 lakh, opens a ₹3 lakh tailoring and embroidery unit. Subsidy 50% = ₹1,50,000 (the cap). The bank lends ₹3 lakh; once the subsidy is credited she repays ₹1.5 lakh. At 11% for 5 years her EMI is about ₹3,261 (₹6,523 if charged on the full ₹3 lakh).
Example 2 (general woman, Mysuru): a 29-year-old with family income ₹1.4 lakh sets up a ₹2.5 lakh beauty parlour. Subsidy 30% = ₹75,000; loan left ₹1.75 lakh; EMI about ₹3,805 at 11% for 5 years. If her family earned ₹1.6 lakh she would be over the limit, unless she is a widow or has a disability.
Udyogini rules at a glance
| Rule | |
|---|---|
| Who runs it | Karnataka State Women Development Corporation (KSWDC), Dept of Women & Child Development, Govt of Karnataka |
| Where | Karnataka only |
| Unit cost | ₹1 lakh to ₹3 lakh (SC/ST); up to ₹3 lakh (others) |
| Subsidy: SC / ST women | 50% of unit cost, max ₹1,50,000 |
| Subsidy: general and special category women | 30% of unit cost, max ₹90,000 |
| Family income limit | Below ₹2 lakh a year (SC/ST); below ₹1.5 lakh (general / special); no limit for widows and women with disability |
| Age | 18–55 (2026-27 notice: 21–55) |
| Training | EDP, 3–6 days, before loan release |
| Interest rate | Set by the bank; no scheme rate |
| Subsidy paid | By KSWDC to the bank after loan sanction |
| Apply | Seva Sindhu or Bapuji Seva Kendra / Grama One / Karnataka One |
Where sources disagree
| Point | What we use | Other figure seen |
|---|---|---|
| SC/ST subsidy | 50%, max ₹1.5 lakh (vikaspedia, myscheme, Bajaj Finserv, adda247 2026) | 75%, max ₹2 lakh (one Kannada news summary of the 2026-27 notice) |
| General subsidy | 30%, max ₹90,000 on ₹3 lakh (most sources) | 20%, max ₹7,500 on ₹1 lakh (Bangalore Rural district KSWDC page; older) |
| Minimum age | 18 (older rules, most sites) | 21 (Bidar 2026-27 notice; another report says 20) |
| Interest | Normal bank rate (KSWDC, vikaspedia) | “Interest-free” (some Kannada sites) |
The calculator shows the other figure next to your result. If your district office quotes a different amount, go by the office.
Udyogini eligibility
- Woman, permanent resident of Karnataka.
- Age 18 to 55 (the 2026-27 notice reports 21 to 55).
- Family income below ₹1.5 lakh a year (general / special category) or ₹2 lakh (SC/ST). No limit for widows and women with disability.
- Must attend the Entrepreneurship Development Programme (EDP) of 3–6 days.
- Not a defaulter with any bank; one benefit per woman.
- Small trade, service or production units: tailoring, beauty parlour, dairy, bakery, tea stall, kirana, flour mill, handicrafts and similar.
Documents needed
- Aadhaar card and ration card
- Caste certificate (SC/ST) and income certificate from the Nadakacheri (RD number)
- Age proof and Karnataka residence proof
- Widow or disability certificate, if it applies
- Bank passbook and passport-size photos
- Quotation or simple project report for the unit
- EDP training certificate (added before loan release)
How to apply online
- Pick a business (tailoring, beauty parlour, dairy, food stall, kirana, etc.) and get a quotation or simple project report for up to ₹3 lakh.
- Keep ready Aadhaar, caste and income certificates (RD number), ration card, bank passbook, photo and the quotation.
- Apply online on Seva Sindhu (sevasindhu.karnataka.gov.in): search “Udyogini”, fill the KSWDC form and upload documents. Or go to a Bapuji Seva Kendra, Grama One, Bengaluru One or Karnataka One centre.
- The district committee (Deputy Director, WCD / CDPO) selects beneficiaries and sends your file to a bank branch.
- Attend the 3–6 day Entrepreneurship Development Programme (EDP). The bank sanctions the loan and KSWDC releases the subsidy to the bank.
- Start the unit and repay the bank EMI on time.
Apply on Seva Sindhu (sevasindhu.karnataka.gov.in). Scheme details: kswdc.karnataka.gov.in. Help: your district Deputy Director (Women & Child Development) or Child Development Project Officer (CDPO).
Compare with PMEGP and Mudra: see what the same unit gets under the central schemes.
Frequently asked questions
Is the Udyogini scheme national or only for Karnataka? Udyogini is a Karnataka scheme run by the Karnataka State Women Development Corporation (KSWDC). Many websites call it a national scheme or say “all banks give ₹3 lakh under Udyogini”; that is not correct. Banks and lenders such as Bajaj Finserv, Tata Capital or Paisabazaar only publish explainer pages; outside Karnataka there is no Udyogini subsidy. Women in other states can use PMEGP (15–35% subsidy) or Mudra loans.
What is the Udyogini scheme subsidy amount? SC/ST women get 50% of the unit cost, up to ₹1,50,000. General and special category women (widows, destitute, women with disability) get 30%, up to ₹90,000. Unit cost is up to ₹3 lakh. Some sources differ (one 2026 report says 75% up to ₹2 lakh for SC/ST; an old district page says 20% up to ₹7,500), so confirm with the WCD office.
What is the maximum loan amount under Udyogini? The maximum unit cost covered is ₹3 lakh, so the Udyogini loan is up to ₹3 lakh (minimum about ₹1 lakh for SC/ST; some reports say ₹50,000). A bank can lend more under its own rules, but the subsidy is worked out on ₹3 lakh only.
What is the Udyogini interest rate, and how is the EMI calculated? The scheme does not fix a rate; the bank charges its normal rate for small loans (often around 10–12%). Some sites call it an interest-free loan, which we could not confirm. Because KSWDC pays the subsidy to the bank, you mostly repay the loan minus subsidy. EMI = loan × r × (1+r)^n ÷ ((1+r)^n − 1), with r the monthly rate. On ₹1.5 lakh at 11% for 5 years it is about ₹3,261.
Which banks give the Udyogini loan? Commercial banks, regional rural banks, cooperative banks and KSFC branches in Karnataka that the district committee sends your file to. You do not apply at a bank first; you apply to KSWDC on Seva Sindhu, and the bank is chosen during selection. Private finance companies do not give the Udyogini subsidy.
Who is eligible for the Udyogini scheme? Women who are permanent residents of Karnataka, aged 18 to 55 (the 2026-27 notice says 21 to 55), with family income below ₹1.5 lakh a year (₹2 lakh for SC/ST). Widows and women with disability have no income limit. You must attend EDP training before the loan is released.
What documents are needed for Udyogini? Aadhaar, ration card, caste certificate (SC/ST), income certificate, age proof, Karnataka residence proof, bank passbook, passport photos, quotation or project report, and widow or disability certificate if it applies. The EDP training certificate is added before the loan is released.
Sources (checked 11 Oct 2026): KSWDC (kswdc.karnataka.gov.in) Udyogini rules as published on vikaspedia (citing KSWDC) and myscheme.gov.in; Bangalore Rural district KSWDC page; 2026-27 notice as reported by Varthabharati (Bidar) and Star of Mysore. Rules verified on 11 Oct 2026.
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