The Kerala State Scheduled Castes and Scheduled Tribes Development Corporation has invited applications for the Samridhi Keralam Top-up Loan, aimed at financially empowering SC/ST entrepreneurs and supporting business expansion.

Loan Amount and Benefits

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Entrepreneurs can avail a maximum of ₹10 lakh as a term or working capital loan. They may choose a net annual interest rate of 3% or a subsidy of up to 20% (maximum ₹2 lakh). The scheme is designed to provide flexible financial support according to the needs of beneficiaries.

Application Process

Applications can be submitted at the Ernakulam District Office. For further details, entrepreneurs may contact the Kannur District Office at Thatta Complex, near A.K.G Hospital, Talap, Kannur, phone: 04972 705036, or email: knrksdc@gmail.com. More information is available on scstcorporation.com.

About the Corporation

Established in 1972, the Kerala SC/ST Development Corporation has been instrumental in socio-economic advancement and empowerment of SC/ST communities through self-employment, training programmes, and social welfare initiatives. It provides loans ranging from ₹50,000 to ₹50 lakh for viable projects across sectors including agriculture, industry, trade, and services.

Major Schemes Offered:

  • Income Generating Schemes: Beneficiary-oriented loans, multipurpose unit loans, transport and auto-rickshaw schemes, microcredit finance, foreign employment loans.
  • Housing and Renovation Loans: Construction, repair, or renovation of homes up to ₹10 lakh.
  • Education Loans: For professional and foreign studies up to ₹10 lakh.
  • Women Empowerment Programs: Mahila Samridhi Yojana, group income-generating loans.
  • Marriage Assistance Loans: Financial support for SC/ST community weddings.
  • Startup Loans: Technology-driven projects for young entrepreneurs.
  • Professional Service Loans: For graduates and professionals to establish ventures.

Documents Required:

Applicants need standard documents such as income certificate, community certificate, Aadhaar, bank passbook, project reports, and specific documents for foreign employment, transport schemes, housing, or educational loans.

Mission and Vision

The Corporation seeks to empower SC/ST communities to overcome poverty and social stigma, enabling socio-economic advancement through meaningful credit support, training, and entrepreneurship opportunities.

Key Features:

  • Flexible interest rates and subsidies.
  • Loans for both small and medium-sized ventures.
  • Special focus on women, youth, and startups.
  • Support for housing, education, and social welfare needs.

By leveraging these initiatives, the Kerala SC/ST Development Corporation continues to integrate SC/ST communities into mainstream development, foster entrepreneurship, and provide pathways to financial independence.