The Government of Kerala has launched several welfare schemes for women, one of which is the Kerala Sahayahastham Scheme. Under this scheme, women are provided with interest-free loans.
This means that if a woman takes a loan through this scheme, she only has to repay the principal amount, while the interest is paid by the state government.
Kerala Sahayahastham Scheme 2025
Women are also given a long repayment period, making it easier to repay the loan. Therefore, women who are currently in need of financial support and looking for loans should definitely apply under this scheme.
It is one of the most popular schemes in the state, and lakhs of women have already benefited from it.
Sahayahastham Scheme 2025 Overview
| Department | Women and Child Development, Kerala |
| Scheme Name | Kerala Sahayahastham Scheme |
| Launched By | Government of Kerala |
| State | Kerala |
| Purpose | Provide zero-interest loans |
| Amount | ₹5,000 to ₹20,000 |
| Who Can Apply? | Only women are eligible to apply |
| Apply Mode | Online/Offline |
| Category | Schemes |
| Official Website | https://schemes.wcd.kerala.gov.in/ |
Loan Benefits under Kerala Sahayahastham Scheme
- Women are eligible to receive a loan ranging from ₹5,000 to ₹20,000.
- The loan can be used for expanding small businesses, starting self-employment, or meeting personal needs.
- The scheme was launched in 2020 and is still active.
- To ensure the wide reach of the scheme, the Kerala government allocated a budget of ₹2,000 crore.
- Normally, women face difficulties in availing loans, but this scheme has made it much easier.
Objectives of the Kerala Sahayahastham Scheme
The main aim of the scheme is to provide financial support to women so they can either start their own businesses or expand existing ones. Many women are unable to grow or start businesses due to lack of money, but through this scheme, they receive significant support for self-reliance and empowerment.
Key Features of Kerala Sahayahastham Scheme
- Women need to repay only the principal loan amount; the interest is borne by the state government.
- A long repayment period is provided, making loan repayment convenient.
- Women can use the loan to start small businesses, earn income, and become self-reliant.
- So far, over 22.27 lakh women have benefited from this scheme.
- The scheme is exclusively for women in Kerala.
Eligibility Criteria for Kerala Sahayahastham Scheme
- The applicant should be a woman, since this scheme is meant only to support women.
- She needs to be part of a Neighborhood Group (NHG) to apply for the loan.
- The loan should be taken only if she truly needs it for business or personal use.
- She must live in Kerala, as the benefits are given only to women from the state.
Loan Interest and Repayment Period
- The loan carries an interest rate of 9 percent, but this is paid entirely by the Kerala government.
- Beneficiaries only repay the principal loan amount.
- The repayment period is up to 3 years, so there is no financial burden or worry.
How to Apply for Kerala Sahayahastham Scheme
- Go to your nearest Kudumbashree office to start the loan application process.
- Ask the office staff for the application form and get the necessary details.
- Fill out the form with your name, address, bank details, and other required information.
- Attach copies of all the documents that are needed along with your application form.
- Check the form carefully for mistakes, then submit it to the Kudumbashree office staff.
- After submission, your application will be reviewed and processed by the office for approval.
FAQs
What is the Kerala Sahayahastham Scheme?
It is a scheme that provides interest-free loans to women in Kerala.
Will I get a loan under this scheme?
Yes, if you meet the eligibility criteria, you will receive the loan.
How much loan is provided under this scheme?
Women can avail loans ranging from ₹5,000 to ₹20,000.
