Kerala Kudumbashree Enterprise Loan — Quick Overview
| Scheme Name | Kerala Kudumbashree Micro-Enterprise Loan 2026 — ₹1 Lakh Interest-Free for Women SHGs | kudumbashree.org |
| State | Kerala (केरल) |
| Launched By | Government of Kerala |
| Launch Year | 1998 |
| Benefit | ₹50,000-1 lakh interest-free micro-credit + ₹1-5 lakh enterprise loan at 4% — Kerala Kudumbashree women SHG members |
| Category | Women |
| Beneficiaries | 46 lakh women members in 2.96 lakh NHGs across Kerala |
| Last Verified | 26 May 2026 |
| Official Portal | https://kudumbashree.org |
What is Kerala Kudumbashree Enterprise Loan?
Kudumbashree Mission provides comprehensive livelihood support to women SHGs (Neighbourhood Groups/NHGs) in Kerala. Key benefits: (1) JLG (Joint Liability Group) micro-credit: ₹50,000-1 lakh per member at 0% interest (interest subvention by government); (2) Kudumbashree micro-enterprises: ₹1-5 lakh group enterprise loans at 4% for NHG-backed enterprises; (3) Agri-enterprise: ₹50,000 for paddy/vegetable farming; (4) Catering, cleaning, daycare enterprise support. 46 lakh women members in 2.96 lakh NHGs across Kerala. Kudumbashree operates canteens, hospitals, IT services, agri-enterprises. Apply at nearest Kudumbashree CDS (Community Development Society) office.
Under this scheme, eligible beneficiaries receive ₹50,000-1 lakh interest-free micro-credit + ₹1-5 lakh enterprise loan at 4% — Kerala Kudumbashree women SHG members. The scheme was launched in 1998 and is implemented by the Government of Kerala.
Kudumbashree: NHG women members — JLG micro-credit ₹50,000-1 lakh @ 0% interest. Enterprise loan ₹1-5 lakh @ 4%. Agri-enterprise ₹50,000. kudumbashree.org-ൽ nearest CDS office.
📌 फायदा: ₹50,000-1 lakh @ 0% + enterprise ₹1-5 lakh @ 4% — Kerala Kudumbashree women
पात्रता:
Kerala Kudumbashree NHG active member, 6+ months savings, ADS/CDS affiliated.
अर्ज कसा करावा:
Nearest Kudumbashree CDS office → NHG membership → 6 months savings → JLG/enterprise loan application.
Benefits of Kerala Kudumbashree Enterprise Loan
✅ ₹50,000-1 lakh interest-free micro-credit + ₹1-5 lakh enterprise loan at 4% — Kerala Kudumbashree women SHG members
Who is Eligible for Kerala Kudumbashree Enterprise Loan?
- ✓ Woman member of Kudumbashree NHG (Neighbourhood Group) in Kerala
- ✓ NHG must be active with regular savings and monthly meetings
- ✓ NHG should be affiliated to Area Development Society (ADS) and Community Development Society (CDS)
- ✓ Priority: BPL women, SC/ST women members
Documents Required for Kerala Kudumbashree Enterprise Loan
How to Apply for Kerala Kudumbashree Enterprise Loan Online?
- 1Join nearest Kudumbashree NHG (contact Ward Member or Gram Panchayat)
- 2Maintain monthly savings for minimum 6 months
- 3JLG micro-credit: NHG submits loan application to CDS → bank
- 4Enterprise loan: enterprise proposal to CDS → Kudumbashree district office
- 5Interest subvention applied — 0% effectively for JLG loans
Official Government Portal — Kerala
Apply directly on the official Kerala government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 kudumbashree.org — Women SHG Micro-EnterpriseFrequently Asked Questions — Kerala Kudumbashree Enterprise Loan
Common Questions About Kerala Government Schemes
Kerala Karunya scheme eligibility 2026?+
BPL families in Kerala and APL families with annual income below ₹3 lakh. Not covered under ESIC or central government health schemes.
കാരുണ്യ കാർഡ് എങ്ങനെ ലഭിക്കും?+
karunya.kerala.gov.in ൽ ഓൺലൈൻ അപേക്ഷ നൽകുക അല്ലെങ്കിൽ അടുത്തുള്ള അക്ഷയ സെന്ററിൽ / തഹസിൽദാർ ഓഫീസിൽ റേഷൻ കാർഡ്, ആധാർ, വരുമാന സർട്ടിഫിക്കറ്റ് സഹിതം ചെല്ലുക.
കർഷക ക്ഷേമഗം pension-ന് apply ചെയ്യണ്ടത് എവിടെ?+
നിങ്ങളുടെ അടുത്തുള്ള Krishi Bhavan (ഗ്രാമ/ബ്ലോക്ക് കൃഷി ഓഫീസ്) ൽ ചെന്ന് Karshaka Kshemagam membership എടുക്കുക. 60 വയസ്സ് തികഞ്ഞ ശേഷം pension claim form submit ചെയ്യാം.
Kerala Karshaka Kshemagam membership fee kitni hai?+
Membership fee nominal amount — latest rates for the current year are available at your nearest Krishi Bhavan or keralaagriculture.gov.in. Fee structures may vary by category (own land / tenant farmer).
Kudumbashree SHG loan kitna milta hai?+
NHG internal loan: ₹5,000-20,000 (short term, within group savings). Bank-linked CDS loan: ₹50,000-2 lakh. Micro enterprise loan: up to ₹2 lakh per woman from NABARD/bank credit linkage.
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