In order to provide upliftment of various backward and segregated women, the Government of Kerala launches various kinds of schemes. Recently the Government of Kerala has launched Kerala Saranya Self Employment Scheme. Through this scheme, backward and segregated women will be provided loans for self-employment. Today through this article we are going to give you complete details regarding this scheme like what is Kerala Saranya’s self-employment scheme? its objective, benefits, features, eligibility criteria, required documents, application procedure, etc. So if you have the interest to grab every single detail regarding this scheme then you have to read this article carefully till the end.
Key Highlights of Kerala Saranya Self Employment Scheme
| Name Of The Scheme | Kerala Saranya Self Employment Scheme |
| Launched By | Government Of Kerala |
| Beneficiary | Citizens Of Kerala |
| Objective | To Provide Loans In Order To Start Business |
| Official Website | Click Here |
| Financial Assistance | Rs 50000 |
| Year | 2021 |
About Kerala Saranya Self Employment Scheme 2021
The Government of Kerala has launched the Kerala Saranya Self Employment Scheme for backward and segregated women of Kerala belonging to scheduled tribes like widows, uneducated women, divorced women, etc. Through this scheme, the government is going to provide interest-free loans up to Rs 50000 in order to start a business. Out of this Rs 50000, Rs 25000 financial assistance will be provided by the government of Kerala in the form of subsidies by the employment department. All the individuals and joint business owners can apply under this scheme.
Objective of Kerala Saranya Self Employment Scheme
The main objective of the Kerala Saranya Self Employment Scheme 2021 is to provide loans to the backward and segregated women of Kerala who belong to scheduled Tribes like windows, uneducated women, divorced women, etc. Through the Kerala Saranya self-employment scheme, the government is going to provide Rs 50,000 financial assistance in order to set up a business. Out of this Rs 50000, Rs 25,000 financial assistance will be provided by the government of Kerala in the form of a subsidy. With the help of this scheme, the women of Kerala will become self-dependent.
Implementation of Kerala Saranya Self Employment Scheme
- Eligible applicants can get the application form from the employment exchange in which the beneficiary is registered.
- The beneficiary is required to submit a detailed project report and income certificate.
- The income certificate should be obtained from the village officer after submission of the application form
- Primary verification will conduct at the employment exchange
- Through this primary verification, the correctness of data filled in the application form, income certificate, community certificate, certificate regarding the marital status, etc will be verified
- If the application form is submitted in town employment exchange then it will be forwarded to the district employment exchange
- The verified application will be submitted by the district employment officer to the District committee in order to sanction the loan
- The district collector will be the chairman of the District Committee and the district employment officer is the conveyor
- The Government of Kerala is the appellate authority
- After that, the amount of the loan will directly be sent to the bank account of the applicant from the employment department
Monitoring of Kerala Saranya Self Employment Scheme
- Kerala Saranya Self Employment Scheme will be monitored by the district employment officer and Employment officers of the town employment exchange
- Under this scheme, the director of employment is the controlling officer
- The beneficiary required to pay installment at regular intervals of time
- If the beneficiary fails to pay the three consecutive installments then two remainders will send to them
- The beneficiary does not reply to the reminder then revenue recovery action will be initiated so that the loan amount with interest will be recovered
- If the beneficiary has utilized the loan amount for other purposes then the full amount will be recovered from the beneficiary including the subsidy
Benefits and Features of Kerala Saranya Self Employment Scheme
- The Government of Kerala has launched Kerala Saranya Self Employment Scheme
- Through this scheme, financial assistance will be provided by the government in the form of a loan
- The amount of this loan will be Rs 50000
- This financial assistance will provide to backward and segregated women of Kerala who belong to scheduled Tribes like widows, uneducated women, divorced women, etc
- This financial assistance will provide in order to set up a business
- Under the Kerala Saranya self-employment scheme, the government is going to provide a subsidy amount of Rs 25000
- All the individuals and joint business owners can apply under this scheme
- Beneficiaries are not required to give any security in order to get the loan amount
- The loan provided under this scheme will be interest-free up to Rs 50,000
- Beneficiaries can get a loan above Rs 50000
- For getting a loan above 50000 the beneficiaries require to fulfill certain special conditions
- With the help of this scheme, women will become self-dependent
Conditions to Get Loan of Above Rs 50000
If the beneficiary wants to get the loan above Rs 50000 then the beneficiary is required to remit the beneficiary contribution of 10% of that amount and 3% as interest at a flat rate. Other than this for those ventures who are running successfully and have repaid 50% of the loan amount can avail additional loan amount up to 80% off the original loan amount at the nominal interest rate in order to expand their venture. Under the Kerala Saranya self-employment scheme, the beneficiaries are not required to give any security in order to get the loan amount.
Eligibility Criteria of Kerala Saranya Self Employment Scheme
- All the unemployed widows, divorced, deserted, spinsters who are above the age of 30 years and unwedded mothers of the scheduled tribe who are in the live register of employment exchange having the age limit of 18 to 55 years except spinsters are all eligible to apply under this scheme.
- In order to get the benefit of this scheme, the annual family income of the beneficiary should not exceed Rs 100000.
- Preference will be given to those who are having professional or technical qualifications.
The definition of above mentioned categories are as follows:-
| Category | Definition |
| Widow | Widows mean those women whose husbands have deceased and they have not remarried to date. Widow certificate is to be obtained from the village officer or president of gram Panchayat or chairman of the municipal corporation or Mayor of the corporation |
| Divorced women | Those women who are divorced by their husband came under the category and have received the divorcee certificate by the court or by their religious organisation. Under this category of women there is no boundation of religion. It should be stated in the divorce certificate that the woman have still not remarried at the time of application |
| Deserted woman | Deserted women are those women who are deserted by her husband or her husband is missing from the last seven years. These women are required to produce certificate from the tahsildar and in the certificate it should also be stated that she has not remarried till date |
| Spinsters | Those women who have completed the age of 30 years as on 1st April of the year and are unmarried. The certificate is required to be obtained from the village officer. |
| Unmarried mothers | Those women who belong to the scheduled tribe category who have become mothers without getting married. Unmarried mothers are required to obtain a certificate from village officer in which it will be clearly stated the caste and community of the women |
Required Documents To Apply For Kerala Saranya Self Employment Scheme
- Aadhar card
- Ration card
- Age proof
- Residence proof
- Bank account details
- Mobile number
- Passport size photograph
Procedure To Apply For Kerala Saranya Self Employment Scheme
If you want to apply for the Kerala Saranya self-employment scheme then you require to follow the steps given below:-
- First of all, go to the official website of the national employment service
- The home page will open before you
- On the home page were required to click on online services
- Now you are required to click on the register as a job seeker
- The Application form will appear before you
- On this application form enter the following information:-
- Name
- Date of birth
- Mobile number
- Required login ID
- Password
- Email address
- Aadhar number
- Captcha code
- After that, click on create account
- Now you have to click on the login option
- The Login page will appear before you
- On this page, you have to enter Your username and password
- After that, you have to click on sign in
- Now you have to click on apply for Kerala Saranya self-employment scheme
- The Application form will appear before you
- You have to enter all the required information on this application form
- Now you have to click on submit
- By following this procedure you can apply for the Kerala Saranya self-employment Scheme
Procedure To Download Application Form
- Go to the official website of the national employment service
- The home page will open before you
- On the homepage, click on the download tab
- Now you have to click on the forms link
- A new page will appear before you containing all the forms
- You have to click on the Saranya form
- Now application form will appear before you in PDF format
- You have to click on the download option in order to download it
Procedure To Download Government Orders
- Visit the official website of the national employment service
- The home page will open before you
- Now you click on the downloads tab
- After that, you have to click on government order
- A new page will appear before you containing government order
- You have to click on the order of your choice
- Now government order will appear on your screen in PDF format
- If you want to download it then click on the download option
Procedure To Download Acts And Rules
- First of all, go to the official website of the national employment service
- The home page will open before you
- On the home page, click on the downloads tab
- Now you have to click on acts and rules
- A new page will appear before you containing all the acts and rules
- You have to click on the act and rule of your choice
- Act and rule will appear before you in PDF format
- If you want to download it then you have to click on the download option
Procedure To Download Reports And Documents
- Go to the official website of the national employment service
- The home page will open before you
- Now you have to click on the download tab
- After that, click on reports and documents
- A new page will appear before you containing reports and documents
- You have to click on the option of your choice
- Reports and documents will appear on your screen
- Now you have to click on the download option
- Reports and documents will download to your device
Procedure To Download Citizen Charter
- Visit the official website of the national employment service
- The home page will open before you
- On the home page, click on the download tab
- Now you have to click on Citizen charter
- A new page will appear before you containing Citizen charter
- Now you click on the download option
- By following this procedure you can download the Citizen charter
Procedure To View Contact Details
- First of all, go to the official website of the national employment service
- The home page will open before you
- On the home page, click on the contact
- A new page will appear before you
- On this new page, you can view contact details
Procedure To Download Publications
- Go to the official website of the national employment service
- The home page will open before you
- Now you click on the publications link
- A new page will appear before you containing all the Publications
- You have to click on the publication of your choice
- The Selected publication will appear on your screen
- If you want to download it then click on the download option
Procedure To Lodge Grievance
- Visit the official website of the national employment service
- The home page will open before you
- On the homepage click on public grievance
- A new page will appear before you
- You have to enter the following information on this new page
- Name
- Subject
- Message
- After that, you click on submit
- By following this procedure you can lodge a grievance
Contact Information
Through this article, we have provided you all the important information regarding the Kerala Saranya self-employment scheme. If you are still facing any kind of problem then you can contact the helpline number or write an email in order to solve your problem. The contact number and email ID is as follows:-
- Contact Number- 0471-2301389
- Email Id- deker.emp.lbr@kerela.gov.in
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