Kerala Saranya Loan Yojana 2022 Registration|swayam thozhil loan in kerala

Swayam thozhil Loan Application Form|Kerala Self Employment Scheme for the Registered Unemployed|Saranya Self Employment Scheme Application Form: Kerala govt. has launched Saranya scheme for unemployed women. The main motive of this self employment scheme to uplift backward and segregated women like widow, uneducated, divorced women and those who are above the age of 30 yrs and unwedded mothers belonging to Schedule Tribe. Under this scheme banks will give interest-free loan up to Rs. 50,000 to start self business.

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. 

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Kerala Government has started Kerala Saranya Self Employment Scheme 2022 to provide help and benefits to the citizens of the state. This scheme has been started to provide employment opportunities to differently-abled women like widows, divorced women and unmarried mothers of scheduled tribes under the Kerala Saranya Loan Scheme launched by the state government. Under this scheme, interest-free loan up to one lakh rupees will be given by the Kerala government so that all of them can improve their lives.

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. 

Kerala Saranya Self Employment Scheme

Name Of The SchemeKerala Saranya Self Employment Scheme
Launched ByGovernment Of Kerala
BeneficiaryCitizens Of Kerala
ObjectiveTo Provide Loans In Order To Start Business
Official WebsiteClick Here
Financial AssistanceRs 50000

Objective of Kerala Saranya Self Employment Scheme 2022

We all know that Kerala Saranya Self Employment Scheme 2022 has been started by the Government of Kerala for the women of the state. The main objective of this scheme by the state government is to provide loans to help the backward and marginalized women of Kerala. Under this scheme benefits will be provided to all those who belong to Scheduled Tribes such as windows, uneducated women, divorced women, etc. Through the Kerala Saranya Loan Scheme, the government is going to provide financial assistance of Rs 50,000 to set up a business. Out of this Rs. 50000, financial assistance of Rs. 25,000 will be provided by the Kerala Government as subsidy.

Features & Benefits Of Kerala Saranya Self Employment Scheme

  • Under KERALA SARANYA SELF EMPLOYMENT SCHEME, the government provides an interest-free loan of up to Rs. 50,000 for starting self-employment ventures.
  • out of this, the government reimburses 50% as Government subsidy subject to a maximum of Rs. 25,000/- through Employment Department. Repayment will be in 60 equal monthly installments.
  • If the venture requires an amount above the limit of Rs.50000/, the applicant has to remit her beneficiary contribution of 10% of that amount. Moreover, the beneficiary has to remit 3% as interest at a flat rate for the amount she avails in excess of Rs. 50000/.
  • For ventures that are running successfully and have repaid at least 50% of the loan amount, an additional loan amount subject to a maximum of 80% of the original loan amount at nominal interest rates is eligible for expanding the venture.
  • This scheme mainly supports individual ventures, but it also helps to start joint ventures by more than one entrepreneur. Each person of this joint venture will get the maximum amount of loan and its subsidy.
  • The beneficiary need not provide any security against the loan amount.


As we have told you that only women candidates are eligible to avail of this scheme. However, the women who are fulfilling the following eligibility criteria are eligible to avail of this scheme-;

  • All unemployed widows, divorced, deserted, spinsters above the age of 30, and unwedded mothers of Scheduled Tribe in the Live Register of Employment Exchanges between the age limit 18 – 55 except in the case of spinsters are eligible to apply for this scheme.
  • Besides, the family annual income of all of them should be less than Rs 100000
  • The definition of all the above-mentioned categories of women are as follows-;


Widows(wife of late) means the woman whose husband is deceased and she has not remarried to date. She needs to get the certificate from the Village Officer/President of the Grama Panchayath or Chairman of the Municipal Corporation or the Mayor of the Corporation as the case may be.

Divorced Women

A divorced woman means the woman who has been divorced through a court of law or through her religious organization. In order to prove this, she needs to obtain a Certificate from the Village Officer.

Deserted Women

Deserted means woman deserted by her husband/ woman whose husband is missing means woman whose husband is absconding or otherwise missing for the last seven years. Such woman should produce certificate from the Tahsildar to this effect and also that she has not remarried till date.


Spinsters means unmarried woman means a woman who has completed the age of 30 years as on 1st April of the year of application and not yet married. In order to prove this, she needs to obtain a Certificate from the Village Officer


Unmarried mother means an unmarried mother who belongs to Scheduled Tribe Category means a woman who belongs to Scheduled Tribe Category and became a mother without having married. She needs to obtain the certificate to this effect from the Village Officer stating clearly the caste and community in the certificate.


In order to avail of this scheme you will have to produce the following documents-;

  • Aadhar card
  • Ration card
  • Age proof
  • Residence proof
  • Bank account details
  • Mobile number
  • Passport size photograph

Kerala Ration Card List 2022

Process To Apply Under Kerala Saranya Self Employment Scheme

All the applicant who wants to apply under Kerala Self Employment Scheme will have to follow the procedure given below

  • First, visit the Official Website of the National Employment Service
  • The homepage will appear in front of you
  • On the homepage, look under the section of Schemes
  • Click on the option of Saranya 
Kerala Saranya Self Employment Scheme
  • A new web page will appear in front of you
  • Here, click on Apply Now 
  • The registration form will appear in front of you
  • Enter all the details in the form
  • Attach all your important documents
  • Now click on Submit option
  • Through this easily apply for  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
Saranya Self Employment Scheme
  • A new page will appear before you containing all the forms
  • You have to click on the Saranya form
Download Application Form
  • Now application form will appear before you in PDF format
  • You have to click on the download option in order to download it

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