Kerala Government Scheme 2021

Kerala Sahayahastham Scheme 2021 – CM Interest-Free Loan Scheme for Women SHGs

Sahayahastham Scheme 2021 has been launched by the Kerala government. In this Chief Minister’s Loan Scheme, interest-free loans are provided to women self-help groups (SHGs). Around 22.77 lakh women in the state have already been benefited from this scheme with an allocation of Rs. 2000 crore. The scheme was launched with an aim to help people who lost their livelihood due to the Covid-19 pandemic outbreak.

The women beneficiaries of Kerala Sahayahastham Scheme 2021 are members of 1.95 lakh neighborhood groups (NHGs) under the Kudumbashree. It may be recalled that Kudumbashree is the poverty eradication and women empowerment program of the government.

Kerala Sahayahastham Scheme 2021 – Complete Details

In the Sahayahastham Scheme in Kerala, the participating banks give loans to the NHGs and the 9% interest charged by banks is paid by the government. Around 40% of the lenders of loan are primary agricultural credit cooperative societies and the remaining 60% of lenders are scheduled and private banks.

CM Interest-Free Loan Scheme for Women SHGs – Features

The important features of this Chief Minister’s Loan Scheme for Women SHGs are as follows:-

  • In the Sahayahastham Scheme, govt. provide interest-free loans to women self-help groups.
  • The loans are provided through participating banks to neighborhood groups (NHGs).
  • The 9% interest charged by the banks is paid by the Kerala state government.
  • Members of 1.95 lakh NHGs under the Kudumbashree are the major beneficiaries of the CM Interest-Free Loan Scheme for Women SHGs.
  • The loan amount to a group member ranges b/w Rs. 5,000 and Rs. 20,000.
  • Repayment of Interest-Free Loans under Sahayahastham Scheme starts 6 months after its sanctioning and has to be completed in 3 years.
  • Around 22.77 lakh women had already taken benefits of the CM Loan Scheme in Kerala.
  • Approx. 40% of the loan are provided through primary agricultural credit cooperative societies and the rest of the loans are provided through scheduled and private banks.

The disbursal of funds under Sahayahastham Scheme 2021 which was started in the month of April is nearly completed. The loans given under this CM Interest-Free Loan Scheme for Women SHGs are basically consumption loans. The main aim to provide this assistance amount is to help people who lost their jobs or livelihood opportunities due to the COVID-19 pandemic.

Repayment Track Record of NHGs

The neighborhood groups have a credible track record of repayment of loan amounts received by them. There are more than 3 lakh NHGs under the Kudumbashree which have an average loan size of Rs.  4.5 lakh. The repayment rate is over 98% which is due to the joint responsibility of group members. Among the districts of Kerala, Thiruvananthapuram tops the list where 2.9 lakh members of nearly 24,000 groups availed themselves of the loans. It was followed by Thrissur with 2.56 lakh members and 20,500 groups.

The Kerala govt. will incur Rs  350 crore as interest subvention for the Sahayahastham Scheme. In FY 2018, the state govt. had rolled out the Resurgence Kerala loan scheme to help those affected by the floods. The 4-year loan has a 98% repayment rate and the state government’s spending on interest is around Rs. 300 crore. The scheme worth Rs. 1,750 crore had helped 1.95 lakh members of 26,000 SHGs.

Highlights of Kerala Sahayahastham Interest-Free Loan Scheme

The highlights of the Chief Minister Interest-Free Loan Scheme are as follows:-

Name of the Scheme Kerala Sahayahastham Scheme 2021
Aim To provide Interest-Free Loans to Women SHGs
Major Beneficiaries Members of 1.95 lakh Neighbourhood Groups (NHGs) under the Kudumbashree
Loan Amount Rs. 5,000 to Rs. 20,000
Interest Rate 9% interest which would be borne by the state government
Repayment of Loan Amount 6 months after sanctioning of loan and has to be completed in 3 years
Lenders Primary agricultural credit cooperative societies, Scheduled and Private banks
Total No. of Beneficiaries 22.7 lakh women
Total Allocation Rs. 2000 crore

Features of Kerala Sahayahastham Scheme

Frequently Asked Questions (FAQ)

Here are some of the most frequently asked questions about the Kerala Sahayahastham Scheme:-

What is Sahayahastham Scheme

In this scheme, the Kerala govt. will provide interest-free loans to women self-help groups (SHGs).

What is the loan amount under CM Interest-Free Loan Scheme for Women SHGs

Who are the major beneficiaries of the NHG Loan Scheme

Members of 1.95 lakh Neighbourhood Groups (NHGs) under the Kudumbashree i.e around 22.77 lakh women are major beneficiaries.

What is the interest rate for loans under Sahayahastham

Loans are given at a 9% interest rate which would be borne by the state government, beneficiaries do not have to pay any interest on the loan amount.

From where a person can avail Interest-Free Loan in Kerala

A person can take a loan from Primary agricultural credit cooperative societies, Scheduled and Private banks

When the Loan Repayment starts

6 months after sanctioning of loan and has to be completed in 3 years.

The wide network of the Kudumbashree helped the government reach out to over 22 lakh beneficiaries in a short time.

Source / Reference Link – https://www.newindianexpress.com/cities/thiruvananthapuram/2020/aug/31/kerala-cm-pinarayi-vijayans-pandemic-loan-scheme-sahayahastham-breather-to-22-lakh-women-2190418.html

Kerala Abhayakiranam Scheme 2021 Application Form at sjd.kerala.gov.in

Social Justice Department is inviting Kerala Abhayakiranam Scheme 2021 online application form at sjd.kerala.gov.in. In this scheme, the Kerala govt. will provide financial assistance of Rs. 1,000 to close relatives of destitute widows who provide protection and shelter to them. The state cabinet has given approval of Rs. 99 lakh for the Abhayakiranam scheme aiming at the welfare of widows. In this article, we will tell you about how to apply online for this scheme, eligibility criteria, and complete details.

The main objective of the Abhayakiranam scheme is to provide a safe and better living environment to destitute and homeless widows. In the initial phase, the Kerala govt. has accorded administrative sanction for providing financial assistance to 200 persons at Rs 1,000 each for 6 months. 

Kerala Abhayakiranam Scheme Online Application Form 2021

Below is the complete process to fill Kerala Abhayakiranam Scheme Online Application Form 2021:-

Step 1: Firstly visit the official website at http://sjd.kerala.gov.in/. The Kerala Social Justice Department homepage will appear.

Step 2: All the new users can click at the “Scheme” tab present in the main menu or directly click at http://sjd.kerala.gov.in/schemes.php. The new page comprises a list of the Kerala govt. schemes will open.

Step3: Click at the “Abhayakiranam Scheme – Financial Assistance to Destitute Widows” link to open the scheme details page. On this page, go to the “Documents” section and click on the “Application Forms – Abhayakiranam Scheme Financial Assistance to Destitute Widows” link.

Step 4: The Kerala Abhayakiranam Scheme application form PDF will open as below which can be easily downloaded through online mode.

Step 5: All the applicants can download this scheme form in PDF format. Then applicants will have to enter their necessary details accurately in this Kerala Abhayakiranam Scheme application form and submit it to the concerned authorities.

Upon subsequent verification of filled-in application form along with documents, the concerned officer will approve your form. All the applicants will then start getting financial assistance under Abhayakiranam Scheme directly into their bank accounts. Under this scheme, relatives who provide shelter to widows will get monthly aid of Rs. 1,000.

Eligibility Criteria for Abhayakiranam Scheme in Kerala

Each applicant will have to fulfill the described eligibility criteria to become eligible for the Abhayakiranam Scheme in Kerala:-

  • The age of the destitute widow applicant must be above 50 years.
  • The annual family income should be below Rs. 1 lakh.
  • The applicant should not be receiving a Service pension or Family pension.
  • The applicant should not be a beneficiary of schemes implemented through SJD (Aswasakiranam, Samashwasam). 

List of Documents Required for Financial Assistance to Destitute Widows

Here is the complete list of documents that are required to be submitted with the application form to get financial assistance as destitute widows under the Abhayakiranam Scheme:-

  1. Recent Passport Size Photograph.
  2. Attested copy of SSLC certificate/ Election ID card/ Aadhar card for Age Proof.
  3. Attested copy of Ration card/ Income certificate from Village office/ BPL certificate.
  4. Certificate from concerned Village officer showing that the applicant is a widow and is under the protection of the relative.
  5. Bank Account details (first page of bank passbook).

The duly filled application form along with supporting documents has to be submitted to the concerned District Social Justice Officers.

Kerala Abhayakiranam Scheme List of Beneficiary Widow / Destitute

The direct link to check the name in the Kerala Abhayakiranam Scheme List of beneficiary widow / destitute is given here:-http://sjd.kerala.gov.in/scheme-info.php?scheme_id=MTI1c1Y4dXFSI3Z5

On this page, go to the “Target Group” section and click at the “Beneficiary Details” link in front of either widow / destitute. In the new window, select the financial year and district name to open the complete list of beneficiaries.

Frequently Asked Questions (FAQ)

Here are some of the most frequently asked questions by the people about the Abhayakiranam Scheme in Kerala:-

What is Abhayakiranam Scheme

In order to provide a safe and better living environment to destitute and homeless widows, the state govt. of Kerala is implementing Abhayakiranam Scheme.

From where can we download the Abhayakiranam application form online

People can now download the Kerala Abhayakiranam Scheme application form at the official website sjd.kerala.gov.in through online mode.

What is the assistance amount under Abhayakiranam Scheme

Relatives who provide shelter to destitute widows will get monthly aid of Rs. 1,000.

I am receiving a family pension, can I get assistance under this scheme as well

No. If you are already getting a family pension or other pensions, then you are not eligible.

What is the age limit for Abhayakiranam Scheme?

Only those destitute widows whose age is more than 50 years are eligible.

My family income is Rs. 2 lakh per annum, am I eligible

No. The maximum income of the family of the destitute widow must be less than Rs. 1 lakh per annum from all sources.

For more details, visit the official website of the Social Justice Department of Kerala at http://sjd.kerala.gov.in/

Kerala Swasraya Scheme 2020 application form is available to download in PDF format online at sjd.kerala.gov.in. In this scheme of the Social Justice Department, the Kerala govt. is going to provide financial assistance to parents/mothers of physically handicapped & mentally retarded persons. The official website is functional and people can know how to apply for Swasraya Scheme. The state cabinet committee has also approved the implementation of this financial aid scheme for single mothers for the welfare of PH / MR persons.

According to the guidelines of Kerala Swasraya Scheme 2020, financial assistance will be given to single mothers of PH / MR persons which will enable them to find self-employment.  An amount of Rs 35,000 is being provided to the beneficiaries as one-time assistance.

In this article, we will tell you about how to apply for the Swasraya scheme, eligibility criteria, govt. orders and complete details.

Kerala Swasraya Scheme 2020 Application Form Download

Below is complete process to download Kerala Swasraya Scheme 2020 Application Form in PDF format by online mode:-

  • Step 1: Firstly visit the official Kerala Social Justice Department website at http://sjd.kerala.gov.in/
  • Step 2: On the homepage, click at the “Schemes” tab present in the main menu or directly click http://sjd.kerala.gov.in/schemes.php 
  • Step 3: At the opened page, click at the “Swasraya Scheme for parents/mothers of PH / MR Persons” link present at 26th number in the list of schemes.
  • Step 4: At the opened scheme details page, go to the “Documents” section and click at the “Application Forms – Swasraya Scheme for parents (single mothers) of PH / MR persons” link as shown below or directly click this link
Kerala Swasraya Scheme 2020
Kerala Swasraya Scheme 2020
  • Step 5: The Kerala Swasraya Scheme application form PDF will open as shown below:-
kerala swasraya scheme application form pdf download online
  • Step 6: All the interested applicants can download this Swasraya Scheme form in PDF format. After downloading, applicants will have to enter the necessary details accurately in the form and submit it to the concerned authorities.

The applicants must submit the duly filled applications along with supporting documents to the concerned District Social Justice Officers. Upon subsequent verification of filled in application form along with documents, the concerned officer will approve your form. All the applicant parents/mothers of PH / MR persons will then get one-time financial assistance under Swasraya Scheme directly into their bank accounts. 

Eligibility Criteria for Kerala Swasraya Scheme 2020

Only those applicants who fulfill the eligibility criteria mentioned below will become eligible for Kerala Swasraya Scheme:-

  • The applicant must be from the BPL family.
  • Parents (mothers) with children having 70% or more disability / mental retardation.
  • Mothers of severely disabled/mentally challenged bed-ridden patients will be given priority.
  • Single/Unwed mothers/Wives abandoned by husbands/Legally divorced women/Separated women are eligible to apply under this scheme.
  • Close relatives (women- as mentioned in the above category) who act as caretakers of severely disabled/mentally challenged patients can also apply.
  • Application along with a detailed project report about self-employment has to be submitted to the concerned District Social Justice Officers.
  • Beneficiaries of the Aswasakiranam scheme can also submit applications

The scheme for one-time financial aid to parents / single mothers of physically handicapped or mentally retarded persons will be implemented in the state as mentioned in the government order. 

Here is the direct link to download the Kerala government order for Swasraya Scheme 2020 – http://sjd.kerala.gov.in/DOCUMENTS/Order_new/GOs/21258.pdf . All the interested applicants must check the scheme related to govt. the order which will help in a better understanding of the implementation of the scheme.

Kerala Swasraya Scheme List 2020

Here is the direct link to check the name in the Kerala Swasraya Scheme List 2020. The beneficiary parents/mothers of PH / MR persons can click at http://sjd.kerala.gov.in/scheme-info.php?scheme_id=MTM3c1Y4dXFSI3Z5. At this page, go to the “Target Group” section and click at the “Beneficiary Details” link in front of differently-abled. In the new window, the Kerala Swasraya Scheme list of beneficiaries will appear as shown below:-

kerala swasraya scheme list beneficiaries

All those parents/mothers who want to check their names in the opened list can even select the financial year and district name to narrow the search in the Swasraya Scheme district wise list of beneficiaries.

Need for Swasraya Scheme 2020

Parents of severely mentally retarded and differently-abled persons require emotional strength and flexibility. Older parents can find themselves overwhelmed by various medical, caregiving, and financial responsibilities. PH/MR persons always need special care and attention since they cannot perform their day to day activities without someone else’s assistance. Sometimes it can be quite challenging for older parents in BPL families, especially mothers, who have to take care of household tasks and work apart from taking care of MR persons.

Looking after such a Mentally challenged/PH person is expensive. These expenses can arise from medical equipment and supplies, medical care, caregiving expenses, specialized transportation, etc. Even though an amount of Rs. 525/- is being provided as Aswasakiranam pension to caregivers (family members) of bedridden PH/MR persons, it cannot cover the expenses completely. Single mothers face tremendous challenges. Often, a custodial parent must fulfill the roles of the primary provider and caregiver without the benefit of a partner. It is a difficult task under the best of circumstances.

Social Justice Department has devised an innovative scheme called “Swasraya” which provides financial assistance to such single mothers which will enable them to find self-employment.  An amount of Rs 35,000/- is being provided to the beneficiaries as one-time assistance.

Frequently Asked Questions (FAQ’s)

Here are some of the most frequently asked questions about the Swasraya Scheme 2020:-

What is Kerala Vijayamritham Scheme

It is a single time financial assistance scheme for parents/mothers of physically handicapped & mentally retarded persons to enable them to take care of their disabled children

I belong to the APL family, am I eligible

No, only BPL Category applicants are eligible

How to download Vijayamritham Scheme application form PDF online

People can now download the Kerala Vijayamritham Scheme Application Form in PDF format at the official website sjd.kerala.gov.in through online mode

What is the assistance amount to be given to Disabled Meritorious Students

Rs. 35,000 to single mothers directly into their bank accounts through DBT mode

Click Here to Download PDF

For more details, visit the official website of the Social Justice Department of Kerala at http://sjd.kerala.gov.in

Kerala Swasraya Scheme 2020 Application Form PDF Download

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