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Social welfare & Empowerment; Business & Entrepreneurship; Housing & Shelter

Santwana Scheme - Karnataka

The "Santwana Scheme" offers loans to religious minority individuals whose houses or shops have been destroyed by natural calamities or communal violence. The scheme provides up to ₹5,00,000/- per unit, with 50% as a loan and 50% as a subsidy

Authority

State/ UT

Region

Karnataka

Status

Verified 2026

Updated

March 2026

What you get

- Loan Amount: Up to ₹5,00,000/- per unit cost.- Subsidy Amount: 50% of the loan amount is provided as a subsidy, and the remaining 50% is a repayable loan.

Who can apply

The applicant should belong to the religious minority category of the Karnataka state.; The applicant should be a permanent resident of the state.; The applicant's age should be between 18 to 55 years.; The family income from all sources should not exceed more than ₹8,00,000/-; The applicant's family members should not be employees in the Central or State Government.; The applicant or his/her family should not have availed a loan facility from Karnataka Minorities Development Corporation (EXCEPT ARIVU EDUCATION LOAN SCHEME ) in the last five years.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

Who is eligible for this scheme?

Minority community members aged 18-55 who are permanent residents of Karnataka and have suffered property damage due to natural calamities or communal violence.

What financial assistance does the scheme offer?

A loan of up to [?]5,00,000/- with 50% as a subsidy and 50% as a repayable loan.

What is the income limit to apply for this scheme?

The annual family income should not exceed [?]8,00,000/-.

Can government employees apply for this scheme?

No, applicants or their family members should not be Central or State Government employees.

Can I apply if I have availed of a KMDC loan in the past?

No, unless it was an Arivu Education Loan within the last 5 years.

Do I need to provide a damage report?

Yes, a damage report from the relevant competent authority is required.

What is a back-end subsidy?

A back-end subsidy is provided after part of the loan is repaid, not upfront.

Can the loan be used for purposes other than rebuilding?

No, the loan must be used specifically for rebuilding and recovery.

What happens if I fail to use the funds as intended?

Misuse of funds can result in penalties, including repayment of the subsidy.

Can I apply for this scheme if I am already a sustainer of KMDC?

No, applicants should not have existing liabilities with the KMDC.