The Keralan government implements a variety of programmes to help advance the status of various disadvantaged and marginalised women. Recently, the Kerala Saranya Self Employment Scheme 2024 was introduced by the state government. Through this programme, loans for self-employment will be made available to disadvantaged and segregated women. Although this plan is designed for individual businesses, joint partnerships between multiple entrepreneurs are also permitted. Each participant in this joint venture will receive the maximum loan amount and subsidy. In this post, we’ll provide you with all the information you need to know about this programme, including what the Kerala Saranya self-employment programme entails. its goals, advantages, traits, requirements, needed paperwork, the application process, etc. So, if you have an interest in learning every little detail about this plan, make sure to read this post all the way through.
About Saranya Self Employment Scheme
This programme was approved by GO(P)No. 81/2010/Labor, dated July 24, 2010. The State Government’s Saranya Self Employment Scheme, Saranya, is intended to help the most disadvantaged and marginalise women in the State, including widows, divorcees, deserters, spinsters over the age of 30, unmarried mothers of Scheduled Tribes, people with disabilities, and patients who are bedridden. To begin self-employment projects, interest-free loans up to 50,000 rupees are provided, of which 50% is reimbursed as government assistance up to a maximum of 25,000 rupees through the Employment Department. 60 equal monthly payments will be required for repayment. The applicant must send her beneficiary contribution of 10% of the money needed for the enterprise if it exceeds the cap of Rs. 50000. In addition, the beneficiary is required to pay 3% interest at a set rate for each sum she receives beyond Rs. 50000.
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Key Highlights of Saranya Self-Employment Scheme
| Launched By | Government of Kerala |
| Name of Scheme | Saranya Self Employment Scheme |
| Objective | To Make Loans Available So That Businesses Can Start |
| Benefits | Rs 50000 |
| Eligibility Criteria | Citizens of Kerala |
| Year | 2024 |
| Official Website | Saranya Self Employment |
Objective of Saranya Self Employment Scheme
The Kerala Saranya Self Employment Scheme primary goal is to provide loans to Kerala’s underprivileged and segregated women who are members of Scheduled Tribes including widows, uneducated women, divorced women, etc. The government would offer Rs 50,000 in financial aid through the Kerala Saranya self-employment programme to start a business. The Keralan government would provide financial help for Rs 25,000 as a subsidy out of this total of Rs 50,000. The ladies of Kerala will become independent thanks to this plan.
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Benefits and Features of Saranya Self Employment Scheme
- Kerala Saranya Self Employment Scheme was introduced by the Keralan government.
- The government would offer financial support through this plan in the form of a loan.
- This loan will be for Rs. 50,000.
- Widows, uneducated women, divorcees, and other backward and segregated scheduled tribes women in Kerala would receive this cash aid.
- This financial support will be necessary to launch a firm.
- The government will offer a Rs. 25000 subsidy as part of the Kerala Saranya self-employment program.
- All individuals and co-owners of businesses are eligible to apply under this programme.
- To receive the loan amount, beneficiaries are not obliged to provide any security
- Up to Rs 50,000 of the money supplied under this programme will be interest-free.
- Loans beyond Rs. 50000 are available to recipients.
- The beneficiaries are required to meet specific special requirements to get a loan of more than $50,000.
- This plan will assist in empowering women to become independent.
Implementation Process
- The application form is available to eligible candidates at the employment exchange where the beneficiary is registered.
- The recipient must deliver a thorough project report and an income certificate.
- After submitting the application form, the village official must contact to acquire the income certificate.
- The employment exchange will undertake first verification.
- The accuracy of the information provided on the application form, income certificate, community certificate, certificate regarding marital status, etc. will be confirmed through this initial verification.
- The district employment exchange will receive the application if it is submitted through the local employment exchange.
- The district employment officer will submit the verified application to the district committee for approval of the loan.
- The district employment officer will serve as the conveyor, and the district collector will serve as the head of the district committee.
- The appellate authority is the Keralan government.
- Following that, the applicant will get a direct bank deposit of the loan’s amount from the employment department.
Kerala Saranya Self Employment Scheme Monitoring
- The district employment officer and employment officials of the local employment exchange will oversee the Kerala Saranya Self Employment Scheme.
- The controlling authority in this plan is the director of employment.
- The recipient must make instalment payments at regular intervals of time.
- Two reminders will be sent to the beneficiary if they don’t pay the three consecutive instalments.
- If the beneficiary does not respond to the reminder, revenue recovery action will be taken to recover the loan amount plus interest.
- The full sum, including the subsidy, will be reclaimed from the beneficiary if they use the loan money for other things.
Eligibility Criteria
- Except for spinsters, all unemployed widows, divorcees, deserters, spinsters over 30 years old, and unmarried mothers of scheduled tribes who are on the living register of an employment exchange with an age restriction of 18 to 55 years are eligible to apply under this programme.
- The beneficiary’s family’s annual income cannot exceed Rs. 100.000 in order to qualify for this scheme’s benefits.
- Those with professional or technical qualifications will get preference.
The following are the definitions for the aforementioned categories:-
- Widows- Widows are ladies whose husbands have passed away and who have not yet remarried. The village official, the gramme Panchayat president, the municipal corporation chairman, or the corporation’s mayor must be contacted for a widow certificate.
- Divorced women- Women who have been divorced by their husbands and have been issued a divorcee certificate by a court or a religious organisation fall under this group. No religious boundaries apply to this group of ladies. The divorce decree should reflect that the woman was still single when the application was submitted.
- Deserted woman- Women who have been abandoned by their husbands or whose husbands have been missing for the past seven years are referred to be deserted. These women must present a certificate from the tahsildar, and the certificate must also specify that they have not yet had another marriage.
- Spinsters- Women who were single on April 1 of the current year and had reached the age of 30. The local officer must be contacted for the certificate.
- Unmarried mothers- women who are scheduled tribal members and who have not been married but have had children. Unmarried moms must get a certificate from the village official that states the women’s caste and community in clear language.
Conditions for Obtaining Loans Over Rs. 50,000
Beneficiary contributions of 10% of the loan amount and 3% flat-rate interest must be made if the beneficiary wants to receive a loan over Rs. 50000. In addition, businesses that are operating profitably and have repaid 50% of their loan balance may be eligible for further loans up to 80% of the initial loan amount at a low-interest rate to grow their operations. The recipients of the Kerala Saranya self-employment programme are not obliged to put up any type of security to receive the loan amount.
Documents Required
- Residence proof
- Bank account details
- Mobile number
- Passport size photograph
- Aadhar card
- Ration card
- Age proof
Kerala Saranya Self Employment Scheme Application Process
To apply for the Kerala Saranya self-employment programme, please follow the instructions below:
- First, visit the National Employment Service’s Saranya Self Employment website.
- Before you, the home page will load.
- You had to select the online services link on the home page.
- You must now select the Register as a Job Seeker button.
- You’ll see the application form there.
- Enter the following details on this application form:
- Name
- Birth date
- Mobile phone
- Email address and Login ID
- Aadhar code
- Code captcha
- Following that, select “create an account.” Next, select “login.”
- The Login page will then show up.
- You must enter your login and password on this page.
- After that, select “sign-in” to continue.
- You must now select the Kerala Saranya self-employment scheme application link.
- You’ll see the application form there.
- You must fill out this application form with all the necessary details.
- You must now select “submit.”
- You can apply for the Kerala Saranya self-employment Scheme by completing this process.
Steps For Downloading An Application Form
- Visit the National Employment Service’s official website.
- Before you, the home page will load.
- Click the download tab on the homepage.
- You must now click the link for the forms.
- You’ll see a new page with all the forms on it.
- You must select the Saranya form.
- Now, a PDF application form will appear in front of you.
- To download it, you must select the download option.
Steps For Downloading Acts And Rules
- First, visit the National Employment Service’s official website.
- Before you, the home page will load.
- Click the Downloads tab on the home page.
- You must now select Acts and Rules.
- You’ll see a new page with all the acts and regulations on it.
- You must select the law and rule of your choosing.
- You’ll see the Act and the Rule in PDF format.
- You must select the download option if you want to download it.
How to Download Documents and Reports
- Visit the National Employment Service’s official website.
- Your home page will now open, and you must select the download tab.
- Click on “reports and documents” after that.
- You’ll see a new page with documents and reports on it.
- You must select the desired option by clicking.
- You’ll see reports and documents on your screen.
- You must now select the download option.
- You can download reports and documents to your device.
Download the Citizens’ Charter
- Check out the National Employment Service’s official webpage.
- Before you, the home page will load.
- Click the download tab on the homepage.
- You must now select Citizen Charter.
- You’ll see a new page with the Citizen charter.
- You now select the “Download” option.
- This process will allow you to download the Citizen Charter.
Steps For Downloading Publications
- Visit the National Employment Service’s official website.
- Before you, the home page will load.
- You then select the publications link.
- You’ll see a new page with all the Publications on it.
- The magazine of your choice must click.
- The chosen article will show up on your screen.
- Select the download option if you wish to download it.
File a Grievance
- Check out the National Employment Service’s official webpage.
- Before you, the home page will load.
- On the homepage, select “public complaints”
- Before you will be a new page.
- On this new page, you must enter the information below.
- Name
- Subject
- Message
- This process will allow you to file a complaint.
Contact Details
We have given you all the crucial details about the Kerala Saranya self-employment programme in this article. You can send an email or call the helpdesk if you’re still having issues, which will help you get the help you need. The following is the phone number and email address:-
- Contact Information: 0471-2301389
- Email: deker.emp.lbr@kerela.gov.in