About this business scheme
The "Santwana Scheme" offers loans to religious minority individuals whose houses or shops have been destroyed by natural calamities or communal violence. The scheme provides up to Rs. 5,00,000/- per unit, with 50% as a loan and 50% as a subsidy
The "Santwana Scheme" was launched by the Minorities Welfare Department, Government of Karnataka, and implemented by the Karnataka Minorities Development Corporation. The scheme aims to support people belonging to religious minorities whose houses, and shops have been destroyed due to natural calamity and communal violence. Under this scheme, a loan amount of Rs. 5,00,000/- max per unit cost will be provided of which 50% loan and 50% subsidy.
Benefits at a glance
| Scheme name | Santwana Scheme – Karnataka (SS-K) |
|---|---|
| Launched by | Minorities Welfare Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Business |
| Level / State | State · Karnataka |
| Official portal | kmdconline.karnataka.gov.in (link at the end of this page) |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Online |
| Last date | Ongoing (no last date notified) |
| DBT (direct bank transfer) | No |
| Age | 18 to 55 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 55 years
- 🕌Minorities only
- 📝Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- Loan Amount: Up to Rs. 5,00,000/- per unit cost.
- Subsidy Amount: 50% of the loan amount is provided as a subsidy, and the remaining 50% is a repayable loan.
Who qualifies
- The applicant should belong to the religious minority category of the Karnataka state.
- The applicant should be a permanent resident of the state.
- The applicant's age should be between 18 to 55 years.
- The family income from all sources should not exceed more than Rs. 8,00,000/-
- The applicant's family members should not be employees in the Central or State Government.
- The applicant or his/her family should not have availed a loan facility from Karnataka Minorities Development Corporation (EXCEPT ARIVU EDUCATION LOAN SCHEME ) in the last five years.
Papers to keep ready
0/8 documents ready
Tap a document to mark it as ready. Progress is saved on this device.
Registration walkthrough
Online
Step-01: Applicant need to visits the Karnataka Minorities Development Corporation official website.
Step-02: Click "Apply Online" and Enter "Mobile Number" and "Submit".
Step-03: Enter "Aadhaar Number" Fill in the "Captcha" and Select "Next".
Step-04: Applicant will get OTP in his/her Aadhaar Linked Mobile Number.
Step-05: Enter "OTP" and select "Continue", After that Allow the official notice.
Step-06: After verifying the Aadhaar again fill in the "OTP" and Submit.
Step-07: Select the scheme "Sikhligar’s Community Development Scheme" and fill in the basic details father's name, gender, qualification detail
Step-08: Select "Next" Fill in the address detail and again select "Next".
Step-09: Upload the required document passport-size photo, educational document, income certificate, etc.
Step-10: Click "Proceed" and Select "Submit Application" and get an Application ID.
Frequently asked questions
Who is eligible for this scheme?
Minority community members aged 18-55 who are permanent residents of Karnataka and have suffered property damage due to natural calamities or communal violence.
What financial assistance does the scheme offer?
A loan of up to Rs. 5,00,000/- with 50% as a subsidy and 50% as a repayable loan.
What is the income limit to apply for this scheme?
The annual family income should not exceed Rs. 8,00,000/-.
Can government employees apply for this scheme?
No, applicants or their family members should not be Central or State Government employees.
Can I apply if I have availed of a KMDC loan in the past?
No, unless it was an Arivu Education Loan within the last 5 years.
Do I need to provide a damage report?
Yes, a damage report from the relevant competent authority is required.
What is a back-end subsidy?
A back-end subsidy is provided after part of the loan is repaid, not upfront.
Can the loan be used for purposes other than rebuilding?
No, the loan must be used specifically for rebuilding and recovery.
What happens if I fail to use the funds as intended?
Misuse of funds can result in penalties, including repayment of the subsidy.
Can I apply for this scheme if I am already a sustainer of KMDC?
No, applicants should not have existing liabilities with the KMDC.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Login & Apply kmdconline.karnataka.gov.in
- Track Application kmdconline.karnataka.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
Explore more
