What is Devaraj Urs BC Loan?
Karnataka State Backward Class Development Corporation (KSBCDC), known as the Devaraj Urs Corporation, provides concessional loans to Backward Class (BC), Minority, and Most Backward Class (MBC) entrepreneurs for self-employment, small business, and trade. Loans ₹50,000 (micro) to ₹15 lakh (small enterprise) at 4% (women) to 6% (men) interest — well below commercial rates. Special sub-schemes: Chaitanya (₹2 lakh @ 4% with 50% subsidy for SHGs), Swavalambana (₹5 lakh @ 5% for graduates), Arundhati Yojana (₹3 lakh @ 4% for women micro-entrepreneurs), Mahatma Phule (₹50,000 @ 6%). Established 1977 in memory of D. Devaraj Urs, BC reservation policy architect. 5 lakh+ beneficiaries since inception.
Devaraj Urs BC Loan — Quick Overview
| Scheme Name | Devaraj Urs Backward Class Development Corporation Loan Karnataka 2026 |
| State | Karnataka (कर्नाटक) |
| Launched By | Government of Karnataka |
| Launch Year | 1977 |
| Benefit | Concessional loans ₹50K–₹15L @ 4–6% interest for BC/Minority/MBC entrepreneurs |
| Category | Finance |
| Last Verified | 25 May 2026 |
| Official Portal | https://kmdc.karnataka.gov.in |
ಕರ್ನಾಟಕ ರಾಜ್ಯ ಹಿಂದುಳಿದ ವರ್ಗಗಳ ಅಭಿವೃದ್ಧಿ ನಿಗಮ (KSBCDC) ಹಿಂದುಳಿದ ವರ್ಗ, ಅಲ್ಪಸಂಖ್ಯಾತ ಮತ್ತು ಅತ್ಯಂತ ಹಿಂದುಳಿದ ವರ್ಗದ ಉದ್ಯಮಿಗಳಿಗೆ ₹50,000-₹15 ಲಕ್ಷ ವರೆಗೆ 4-6% ಬಡ್ಡಿದರದಲ್ಲಿ ರಿಯಾಯಿತಿ ಸಾಲ ನೀಡುತ್ತದೆ.
📌 फायदा: ಬಿಸಿ/ಅಲ್ಪಸಂಖ್ಯಾತ/ಎಂಬಿಸಿ ಉದ್ಯಮಿಗಳಿಗೆ ₹50,000-₹15 ಲಕ್ಷ @ 4-6% ಬಡ್ಡಿ; ಮಹಿಳೆಯರಿಗೆ 1% ಹೆಚ್ಚುವರಿ ರಿಯಾಯಿತಿ
पात्रता:
ಕರ್ನಾಟಕ ಬಿಸಿ (1, 2A, 2B, 3A, 3B), ಅಲ್ಪಸಂಖ್ಯಾತ ಅಥವಾ ಎಂಬಿಸಿ, ವಯಸ್ಸು 18-50, ₹3 ಲಕ್ಷ (ಗ್ರಾಮೀಣ) / ₹4 ಲಕ್ಷ (ನಗರ) ಕ್ಕಿಂತ ಕಡಿಮೆ ಆದಾಯ.
अर्ज कसा करावा:
ಜಿಲ್ಲಾ KSBCDC ಕಚೇರಿ (ದೇವರಾಜ ಅರಸು ಭವನ) ಅಥವಾ kmdc.karnataka.gov.in ನಲ್ಲಿ ಜಾತಿ ಪ್ರಮಾಣಪತ್ರ, ಆಧಾರ್, ಆದಾಯ ಪ್ರಮಾಣ ಮತ್ತು ಯೋಜನಾ ವರದಿ ಸಹಿತ ಅರ್ಜಿ ಸಲ್ಲಿಸಿ.
Benefits of Devaraj Urs BC Loan
✅ Concessional loans ₹50K–₹15L @ 4–6% interest for BC/Minority/MBC entrepreneurs
Who is Eligible for Devaraj Urs BC Loan?
- ✓ Karnataka BC (Category 1, 2A, 2B, 3A, 3B), Minority, or MBC category
- ✓ Indian citizen aged 18-50 (50-60 special category)
- ✓ Family income below ₹3 lakh (rural) / ₹4 lakh (urban)
- ✓ Valid Karnataka caste certificate; viable business plan
- ✓ Not a defaulter of any earlier government loan
Documents Required for Devaraj Urs BC Loan
How to Apply for Devaraj Urs BC Loan Online?
- 1Visit district KSBCDC office (Devraj Urs Bhavan) or District Industries Centre
- 2Get loan form for relevant scheme (Chaitanya/Swavalambana/Arundhati/Mahatma Phule)
- 3Attach caste certificate, Aadhaar, PAN, income certificate, project report, bank statement
- 4Project Appraisal Committee evaluates business viability (30-45 days)
- 5Loan sanction letter issued; first tranche disbursed based on project milestones
- 6Submit utilisation certificate every 6 months for subsequent tranches
- 7Repayment in EMIs over 5-7 years at 4-6% interest; women get 1% additional rebate
Official Government Portal — Karnataka
The single official window for this scheme is kmdc.karnataka.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗 Apply at KSBCDC District Office or kmdc.karnataka.gov.inFrequently Asked Questions — Devaraj Urs BC Loan
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