Schemes

State-specific schemes

Welfare schemes of Karnataka

Vipra Swa Udyama Nera Sala Scheme

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/schemesall/state-specific-schemes/welfare-schemes-of-karnataka/vipra-swa-udyama-nera-sala-scheme

Self-Employment Ventures Loan from Rs. 1 Lakh to Rs. 2 Lakh

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<h3>Introduction</h3>
<p>The Vipra Swa Udyama Nera Sala Scheme is a self-employment loan assistance program implemented by the&nbsp;<a href="https://ksbdb.karnataka.gov.in/en" target="_blank" rel="noopener">Karnataka State Brahmin Development Board (KSBDB)</a>. The scheme is designed to support economically weaker members of the Brahmin community in establishing or expanding income-generating businesses.</p>
<p>Under the scheme, eligible beneficiaries can obtain financial assistance ranging from <strong>₹1 lakh to ₹2 lakh</strong> for various self-employment activities, including small businesses, cottage industries, dairy units, service enterprises, and other approved ventures.</p>
<p>Beneficiaries receive a <strong>20% government subsidy</strong>, while the remaining amount is provided as a loan at a concessional interest rate of <strong>4% per annum</strong>. The scheme aims to encourage entrepreneurship and improve the economic condition of eligible families through sustainable livelihood opportunities.</p>
<p>The application process is conducted online through the official KSBDB portal, allowing applicants to complete registration, Aadhaar verification, EWS validation, and application submission digitally.</p>
<h3>Benefits</h3>
<ul>
<li>Loan assistance ranging from ₹1 lakh to ₹2 lakh for eligible self-employment projects.</li>
<li>20% subsidy provided by the Government on the sanctioned loan amount.</li>
<li>Remaining loan amount available at a concessional interest rate of 4% per year.</li>
<li>Two-month repayment moratorium after loan sanction.</li>
<li>Repayment facility through 34 monthly instalments.</li>
<li>Financial support for starting or expanding small business ventures.</li>
<li>Direct transfer of sanctioned funds to the beneficiary's Aadhaar-linked bank account through DBT.</li>
<li>Encourages entrepreneurship and self-reliance among economically weaker Brahmin families.</li>
<li>Supports multiple income-generating activities approved by the Board.</li>
</ul>
<h3>Eligibility</h3>
<ul>
<li>The applicant must belong to the Brahmin community.</li>
<li>A valid Economically Weaker Section (EWS) Certificate is mandatory.</li>
<li>The applicant must be a permanent resident of Karnataka.</li>
<li>The age of the applicant should be between 18 and 65 years.</li>
<li>Only one eligible member from a family can avail benefits under the scheme.</li>
<li>The mobile number must be linked with Aadhaar for authentication purposes.</li>
<li>The applicant should have an Aadhaar-seeded bank account for Direct Benefit Transfer (DBT).</li>
<li>The loan must be utilized for establishing or expanding a self-employment activity.</li>
<li>Women applicants are eligible for reservation benefits as prescribed by the Board.</li>
<li>Persons with disabilities can also avail reservation benefits under applicable provisions.</li>
</ul>
<h3>Documents</h3>
<ul>
<li>Recent passport-size photograph.</li>
<li>Aadhaar Card.</li>
<li>Mobile number linked with Aadhaar.</li>
<li>Valid EWS Certificate.</li>
<li>EWS Certificate RD Number for online verification.</li>
<li>Proof of permanent residence in Karnataka.</li>
<li>Age proof, wherever required.</li>
<li>Aadhaar-seeded bank account details.</li>
<li>Brief description of the proposed business or self-employment activity.</li>
<li>Any additional documents requested by the Karnataka State Brahmin Development Board during verification.</li>
</ul>
<p>Applicants should ensure that Aadhaar details, bank account information, and EWS certificate records are updated and valid before submitting the online application.</p>
<h3>Loan Amount, Subsidy and Repayment Details</h3>
<table>
<thead>
<tr>
<th>Particulars</th>
<th>₹1 Lakh Loan</th>
<th>₹2 Lakh Loan</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Financial Assistance</td>
<td>₹1,00,000</td>
<td>₹2,00,000</td>
</tr>
<tr>
<td>Government Subsidy (20%)</td>
<td>₹20,000</td>
<td>₹40,000</td>
</tr>
<tr>
<td>Repayable Loan Amount</td>
<td>₹80,000</td>
<td>₹1,60,000</td>
</tr>
<tr>
<td>Interest Rate</td>
<td>4% per annum</td>
<td>4% per annum</td>
</tr>
<tr>
<td>Moratorium Period</td>
<td>2 Months</td>
<td>2 Months</td>
</tr>
<tr>
<td>Repayment Tenure</td>
<td>34 Monthly Instalments</td>
<td>34 Monthly Instalments</td>
</tr>
<tr>
<td>Approximate EMI</td>
<td>₹2,511</td>
<td>₹5,022</td>
</tr>
<tr>
<td>EMI Due Date</td>
<td>On or Before 5th of Every Month</td>
<td>On or Before 5th of Every Month</td>
</tr>
</tbody>
</table>
<p><strong>Note:</strong> No repayment is required during the first two months after loan disbursement. EMI repayment begins from the third month onwards as per the approved repayment schedule.</p>
<h3>Process to Apply</h3>
<ul>
<li>Visit the <a href="https://ksbdb.karnataka.gov.in/en" target="_blank" rel="noopener">Karnataka State Brahmin Development Board (KSBDB) Portal</a>.</li>
<li>Select the Vipra Swa Udyama Nera Sala Scheme application option.</li>
<li>Register using your mobile number and complete OTP verification.</li>
<li>Finish Aadhaar e-KYC authentication.</li>
<li>Enter the RD Number of the EWS Certificate and complete online validation.</li>
<li>Provide personal, banking, and self-employment project details.</li>
<li>Upload the required documents and verify the information entered.</li>
<li>Accept the scheme terms and conditions.</li>
<li>Submit the application form online.</li>
<li>Save or download the acknowledgement for future reference.</li>
<li>After scrutiny and approval, the sanctioned amount will be transferred to the Aadhaar-linked bank account through DBT.</li>
</ul>
<h3>Important Links and Contact</h3>
<ul>
<li><a href="https://ksbdb.co.in/LoanPayment/register" target="_blank" rel="noopener">Apply Online for Vipra Swa Udyama Nera Sala Scheme</a></li>
<li><a href="https://ksbdb.co.in/Loan/" target="_blank" rel="noopener">Scheme Details</a></li>
<li><a href="https://ksbdb.co.in/LoanPayment/register" target="_blank" rel="noopener">Loan Repayment Portal</a></li>
<li><a href="https://ksbdb.karnataka.gov.in/en" target="_blank" rel="noopener">Karnataka State Brahmin Development Board Official Website</a></li>
<li>Helpline Number: 8029605888, 8762249230</li>
<li><a href="https://ksbdb.karnataka.gov.in/4/head-office/en" target="_blank" rel="noopener">Board Contact Details</a></li>
</ul>
<h3>FAQs</h3>
<p><strong>Q1. Karnataka Vipra Swa Udyama Nera Sala Scheme kya hai?</strong><br>Yeh Karnataka State Brahmin Development Board ki self-employment loan scheme hai, jiske tahat EWS Brahmin applicants ko business shuru ya expand karne ke liye financial assistance di jati hai.</p>
<p><strong>Q2. Is scheme ke tahat kitna loan milta hai?</strong><br>Eligible applicants ko ₹1 lakh se ₹2 lakh tak ka loan pradan kiya jata hai.</p>
<p><strong>Q3. Government subsidy kitni milti hai?</strong><br>Sanctioned loan amount par 20% subsidy di jati hai, jabki baki rashi concessional loan ke roop mein milti hai.</p>
<p><strong>Q4. Loan par interest rate kitna hai?</strong><br>Repayable loan amount par 4% prati varsh ki dar se byaaj lagta hai.</p>
<p><strong>Q5. Loan repayment kab se shuru hota hai?</strong><br>Loan sanction hone ke baad 2 mahine ka moratorium period diya jata hai. EMI teesre mahine se shuru hoti hai.</p>
<p><strong>Q6. Loan chukane ke liye kitna samay milta hai?</strong><br>Beneficiary ko loan repayment ke liye 34 monthly instalments ki suvidha di jati hai.</p>
<p><strong>Q7. Kaun is scheme ke liye apply kar sakta hai?</strong><br>Karnataka ka permanent resident, Brahmin community se sambandhit aur valid EWS Certificate rakhne wala vyakti scheme ke liye apply kar sakta hai.</p>
<p><strong>Q8. Kya Aadhaar aur bank account mandatory hain?</strong><br>Haan, Aadhaar-linked mobile number aur Aadhaar-seeded bank account DBT payment ke liye anivarya hain.</p>
<p><strong>Q9. Loan amount kaise receive hota hai?</strong><br>Approval ke baad sanctioned amount seedhe beneficiary ke Aadhaar-linked bank account mein DBT ke madhyam se transfer kiya jata hai.</p>
<p><strong>Q10. Scheme ke liye online application kahan se karein?</strong><br>Applicants <a href="https://ksbdb.karnataka.gov.in/en" target="_blank" rel="noopener">Karnataka State Brahmin Development Board Portal</a> par online application submit kar sakte hain.</p>