Interest Subvention Scheme
✓ Information verified — April 2026The Interest Subvention Scheme helps small and micro business owners get institutional loans at lower interest rates for buying equipment and making capital investments. It is implemented in Karnataka through the Karnataka State Financial Corporation (KSFC), a state government agency. The scheme makes borrowing cheaper and more affordable for entrepreneurs who want to start or expand their small businesses.
What You Get
- Reduced interest rates on institutional loans for capital investments
- Access to formal credit through banks and financial institutions
- Government subsidy on a portion of the interest you pay
- Support for purchasing machinery, equipment, and fixed assets
- Easier loan approval for small and micro enterprises
Who Can Apply
- Age: 0–100 years
- Residence: Karnataka residents only
- Must be a resident of Karnataka state
- Should own or operate a micro or small enterprise
- Business should be in manufacturing, services, or trade sector
- Must have a valid business registration or Udyog Aadhaar
- Should not have outstanding loan defaults
- Income and asset criteria may apply (contact KSFC for details)
Documents Needed
0/8 collected
- 1. Aadhaar Card
- 2. PAN Card
- 3. Business Registration Certificate
- 4. Bank Account Passbook
- 5. Income Certificate
- 6. Business License
- 7. Property or collateral documents
- 8. Last 2 years Income Tax Returns
How to Apply
- 1Check your eligibility criteria above
- 2Gather all required documents listed below
- 3Visit the official portal (linked below)
- 4Fill the application form online / offline
- 5Submit the form and note your application reference number
- 6Track status on the official portal or visit nearest CSC
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Quick Facts
- Scheme Level
- Karnataka
- Category
- Employment
- Target Gender
- All genders
- Age Group
- 0–100 years
- Application
- Check portal
- Last Updated
- 25 Apr 2026
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