Udyogini Yojana: Empowering Women Through Self-Employment

By Bikash

Udyogini Yojana Scheme for Women Entrepreneurs: How to Apply, Eligibility

Udyogini Yojana is like a bright light for women in Karnataka. It helps them become more independent and financially secure. This scheme, approved by the Karnataka government, gives women a chance to start their businesses. They can work for themselves, especially in trading and providing services. Now, let’s talk about this amazing plan and how it’s changing lives for the better.

This scheme is making a big difference in the lives of many women. It’s helping them become more confident and giving them a chance to support themselves and their families. With Udyogini Yojana, women are no longer dependent on others for work or money. They’re stepping into the world of entrepreneurship and creating a brighter future for themselves and their communities.

Udyogini Yojana Scheme Objectives

Under the Udyogini Yojana Scheme, women entrepreneurs can access subsidized loans facilitated by the Karnataka State Women’s Development Corporations. These loans, channeled through various financial institutions such as commercial banks, district cooperative banks, and Regional Rural Banks (RRBs), aim to provide formal avenues of credit to women, thereby curbing reliance on private lenders and exorbitant interest rates.

NameUdyogini Scheme
Introduced byGovernment and Women entrepreneurs in India
Implemented byGovernment of India’s Women Development
Interest RateCompetitive, subsidized, or free for special cases
Annual Family IncomeRs. 1.5 lakh or less
Loan AmountMax. up to Rs. 3 lakh
No income limitFor Widowed or disabled women
CollateralNot required
Processing FeeNil

List of Approved Business Activities

The scheme supports a myriad of profitable business activities, including but not limited to bookbinding, notebook manufacturing, chalk and crayon manufacture, jam, jelly, pickles manufacture, papad manufacture, saree, and embroidery work, printing and dyeing of clothes, and woolen weaving. These ventures offer ample opportunities for women to explore their entrepreneurial spirit and achieve self-sufficiency.

The List of Supported Businesses under the Udyogini Scheme is given in the table below:

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Agarbatti ManufacturingDiagnostic LabLeaf Cups ManufacturingRibbon Making​​
BanglesEdible Oil ShopMilk BoothShops & Establishments
Audio & Video Cassette ParlourDry CleaningLibrarySari & Embroidery Works
BakeriesDry Fish TradeMat WeavingSecurity Service
Banana Tender LeafEat-OutsMatch Box ManufacturingShikakai Powder Manufacturing
Bottle Cap ManufacturingFish StallsOld Paper MartsSoap Oil, Soap Powder & Detergent Cake Manufacturing
Beauty ParlourEnergy FoodMutton StallsSilk Thread Manufacturing
Bedsheet & Towel ManufacturingFair-Price ShopNewspaper, Weekly & Monthly Magazine VendingSilk Weaving
Book Binding And Note Books ManufacturingFax Paper ManufacturingNylon Button ManufacturingSilk Worm Rearing
Cleaning PowderGift ArticlesPhoto StudioTea Stall
Cane & Bamboo Articles ManufacturingFlour MillsPan & Cigarette ShopStationery Shop
Canteen & CateringFlower ShopsPan Leaf or Chewing Leaf ShopSTD Booths
Chalk Crayon ManufacturingFootwear ManufacturingPapad MakingSweets Shop
Chappal ManufacturingFuel WoodPhenyl & Naphthalene Ball ManufacturingTailoring
Cotton Thread ManufacturingInk ManufactureRadio & TV Servicing StationsVegetable & Fruit Vending
ClinicGym CentrePlastic Articles TradeTender Coconut
Coffee & Tea PowderHandicrafts ManufacturingPotteryTravel Agency
CondimentsHousehold Articles RetailPrinting & Dyeing of ClothesTutorials
Corrugated Box ManufacturingIce Cream ParlourQuilt & Bed ManufacturingTyping Institute
Dairy & Poultry Related TradeJute Carpet ManufacturingReal Estate AgencyWoollen Garments Manufacturing
CrècheJam, Jelly & Pickles ManufacturingRagi Powder ShopVermicelli Manufacturing
Cut Piece Cloth TradeJob Typing & Photocopying ServiceReadymade Garments TradeWet Grinding

Udyogini Scheme Features

  1. Encouragement for Female Borrowers: Facilitating access to loans from banks and financial institutions, enabling women to start earning income.
  2. Interest-Free Loans: Providing eligible women beneficiaries with interest-free loans, promoting financial inclusivity and fairness:
  3. Affordability for Special Categories: Making financial aid more affordable for women in SC/ST and other special categories, ensuring equal opportunities.
  4. Prevention of High-Interest Loans: Mitigating the risk of women resorting to high-interest loans from private lenders or financial organizations.
  5. EDP Training for Skill Enhancement: Offering Entrepreneurship Development Program (EDP) Training to enhance the skills and capabilities of women beneficiaries.

Udyogini Yojana Benefits of Udyogini Yojana

The scheme extends its benefits across different categories of women. For those belonging to Scheduled Castes and Scheduled Tribes, the unit cost ranges from ₹1,00,000 to ₹3,00,000, with a subsidy of 50% of the loan amount. Similarly, for women in special and general categories, the maximum unit cost is ₹3,00,000, with a subsidy of 30% or a maximum of ₹90,000, along with Entrepreneurship Development Program (EDP) training for selected beneficiaries.

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CategoryUnit Cost RangeSubsidyAdditional Benefits
Scheduled Castes and Tribes₹1,00,000 to ₹3,00,00030% of the loan amount or ₹90,000 maximum
Special and General CategoryUp to ₹3,00,00030% of loan amount or ₹90,000 maximumEntrepreneurship Development Program (EDP) training for selected beneficiaries

Udyogini Yojana Eligibility Criteria

To avail of the scheme’s benefits, applicants must meet certain eligibility criteria:

  • The applicant must be a woman.
  • The family income should be less than ₹1,50,000 for women belonging to general and special categories, with no income limit for widowed or disabled women.
  • The applicant’s age should fall between 18 to 55 years.
  • Permanent residency in Karnataka is mandatory.
  • No defaults on past loans with any financial institution are allowed.

Udyogini Yojana Application Process

The application process for Udyogini Yojana can be done both offline and online:

Offline Process:

Step 1: Visit the nearest bank with all required documents and fill out the application form.

Step 2: Submit the completed form and documents to the nearest bank/KSFC branch for verification.

Step 3: Upon approval, the loan amount is disbursed to the applicant’s bank account or directly to the supplier’s account.

Online Process:

Step 1: Apply for loans online through the official website of banks offering loans under the Udyogini scheme.

Step 2: The application is examined and forwarded by the CDPO to the Selection Committee.

Step 3: Upon approval, the loan amount is disbursed similar to the offline process.

Documents Required

Applicants need to provide the following documents:

  • Three passport-size photographs.
  • Certificate regarding training/experience of the activity.
  • Detailed Project Report (DPR) of the activity.
  • Ration Card/Voter ID Card.
  • Annual Income Certificate of the Family.
  • Caste Certificate (for SC/ST applicants).
  • Quotations for Machinery, Equipment, and Other Capital Expenses.


Udyogini Yojana is a strong symbol of the government’s dedication to empowering women and ensuring everyone has a chance to succeed economically. Through this program, women in Karnataka receive the financial help they need to start their businesses and become self-reliant. It’s like laying down a path toward a better future where women can stand on their own feet and contribute to the growth of their families and communities. With Udyogini Yojana, the government is making sure that no woman is left behind and that everyone has the opportunity to thrive.


Who can apply for Udyogini Yojana?

Women residing in Karnataka between the ages of 18 to 55 are eligible to apply.

What types of businesses are supported under this scheme?

Various profitable business activities such as bookbinding, manufacturing, and embroidery work are supported.

Is there any income criterion for eligibility?

Yes, the family income should be below ₹1,50,000 for general and special category women.

How are loans disbursed under Udyogini Yojana?

Loans are disbursed through financial institutions either directly to the applicant’s bank account or to the supplier’s account.

What documents are required for the application process?

Applicants need to provide documents such as photographs, income certificates, and project reports.

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By Bikash
Hello! I'm Bikash, a skilled Web Developer and Blogger with more than 5 years of experience in the digital marketing fields. My passion is Share my Own Experience by Blogging and creating unique, approachable websites that create a lasting impact. My love of both technology and creativity encourages me to keep up with the most recent developments and industry best practices.
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