The Santwana Scheme is a special financial assistance initiative launched by the Minorities Welfare Department, Government of Karnataka, and implemented through the Karnataka Minorities Development Corporation (KMDC). It is designed to support minority community families whose homes or shops have been damaged or destroyed due to natural disasters or communal violence.
The scheme provides a combination of loan and subsidy up to ₹5,00,000 per unit, where 50% is offered as a subsidy, and the remaining 50% is a repayable loan, making it easier for affected individuals to rebuild their lives with minimal financial burden.
Key Highlights of Karnataka Minority Loan & Subsidy
• Scheme Name: Santwana Scheme
• Launched By: Minorities Welfare Department, Government of Karnataka
• Implemented By: Karnataka Minorities Development Corporation (KMDC)
• Objective: Financial relief for minority families affected by natural calamities or communal violence
• Maximum Assistance: ₹5,00,000 per unit (50% loan + 50% subsidy)
• Mode of Application: Online
Benefits of the Scheme
• Loan Amount: Up to ₹5,00,000 per damaged house/shop
• Subsidy: 50% of the total amount
• Repayable Loan: 50% repayable in easy terms
• Supports Rebuilding: Covers residential or commercial property damage
Eligibility Criteria
• Must belong to a religious minority recognized by the Karnataka Government
• Must be a permanent resident of Karnataka
• Age: 18 to 55 years
• Annual family income must be below ₹8,00,000
• No Central or State Government employees in the family
• Applicant or family must not have availed KMDC loans in the last 5 years (excluding Arivu Education Loan Scheme)
How to Apply – Online Process
• Step 1: Visit the official KMDC Portal
• Step 2: Click “Apply Online” and enter your mobile number
• Step 3: Enter your Aadhaar number, complete the captcha, and click “Next”
• Step 4: Enter the OTP sent to your Aadhaar-linked mobile number
• Step 5: Verify Aadhaar details, then select the scheme
• Step 6: Fill in personal, contact, and income details
• Step 7: Upload required documents, including photograph, income proof, and damage certificate
• Step 8: Submit the application form and note the Application ID for tracking
Necessary Documents for Application
• Recent Passport-size Photo
• Caste/Minority Certificate issued by the competent authority
• Income Certificate
• Copy of Aadhaar Card
• Bank Passbook copy (first page)
• Damage Certificate from the local authority
• Surety Self-Declaration Form
• Applicant’s Self-Declaration Form
Frequently Asked Questions (FAQs)
Q: Who can apply for the Santwana Scheme?
A: Permanent residents of Karnataka from religious minority communities affected by natural calamities or communal violence.
Q: What is the maximum financial assistance provided?
A: ₹5,00,000 per unit, split into 50% subsidy and 50% repayable loan.
Q: What is the income limit to apply?
A: The annual family income must be below ₹8,00,000.
Q: Are government employees eligible?
A: No, applicants or their family members working in the State or Central Government are ineligible.
Q: Can I apply if I’ve availed a KMDC loan before?
A: No, unless it was only under the Arivu Education Loan Scheme.
Q: Is a damage certificate necessary?
A: Yes, a report from the local competent authority confirming property damage is mandatory.
Q: What is a back-end subsidy?
A: A subsidy is released to reduce your loan liability without an upfront payment.
Q: Can the loan be used for other purposes?
A: No, the funds must be strictly used for rebuilding the damaged house or shop.
Q: What if I misuse the funds?
A: Misuse may result in cancellation of benefits and demand for full repayment with penalties.
Q: Can KMDC sustainer beneficiaries apply?
A: No, existing KMDC loan beneficiaries (except Arivu loan holders) within the last 5 years are not eligible.
References & Important Links
• Karnataka Minorities Development Corporation (KMDC)
• Official Scheme Guidelines – Government of Karnataka
• KMDC – Track Application Status
