The Government of India has always aimed to improve the livelihood and welfare of workers, especially those in the unorganized sector. In this pursuit, the E-Shram Card initiative was launched by the Ministry of Labour and Employment in August 2021. This ambitious project seeks to create a comprehensive national database of unorganized workers and provide them with a Universal Account Number (UAN), thus enabling better implementation of welfare schemes and benefits.
What is the E-Shram Card?
The E-Shram Card is a unique identity card issued to unorganized workers in India. It is part of the E-Shram Portal, which is India’s first national database of unorganized workers, including gig workers, street vendors, construction workers, domestic helpers, agricultural laborers, and others. Each registered worker receives a 12-digit Universal Account Number (UAN) that remains valid across India.
This database aims to streamline government benefits, making sure they reach the right people directly and efficiently.
Objectives of the E-Shram Scheme
The main objectives of the E-Shram initiative are:
Creating a centralized database of unorganized workers for better delivery of welfare schemes.
Improving access to social security schemes such as insurance, pension, and employment benefits.
Helping the government plan policy decisions based on accurate data.
Enhancing job opportunities and providing skill development support.
Who Can Register for the E-Shram Card?
The E-Shram Card is designed for individuals working in the unorganized sector. To register, the applicant must:
Be an Indian citizen aged between 16 and 59 years.
Not be a member of EPFO (Employees’ Provident Fund Organisation), ESIC (Employees’ State Insurance Corporation), or NPS (National Pension System).
Be employed in informal jobs like construction, agriculture, fishing, hawking, domestic work, etc.
How to Apply for the E-Shram Card?
The application process is simple and free of cost. It can be done in three ways:
Self-registration through the official portal: https://eshram.gov.in
Through Common Service Centres (CSCs) available across the country.
With the help of State Government outreach teams.
To register, workers need:
Aadhaar Number
Mobile number linked with Aadhaar
Bank account details
Benefits of the E-Shram Card
The E-Shram Card offers several direct and indirect benefits to registered workers:
Accidental Insurance: Registered workers are eligible for ₹2 lakh accident insurance under the Pradhan Mantri Suraksha Bima Yojana (PMSBY).
Direct benefit transfer (DBT): During crises like the COVID-19 pandemic, financial aid is directly credited to the worker’s account.
Access to social welfare schemes: Easier access to schemes like PM-KISAN, Atmanirbhar Bharat Rojgar Yojana, and more.
Portability of benefits: Workers moving between states can still access benefits using their UAN.
Skill development opportunities: The card helps identify skilled and semi-skilled workers for training and job placements.
Challenges and Future Outlook
Despite its positive impact, the E-Shram initiative faces challenges like lack of awareness among rural populations, digital illiteracy, and difficulties in updating worker information. Moreover, coordination between central and state governments needs to be seamless to avoid data duplication.
However, the government is continuously working to improve these systems and integrate E-Shram data with various schemes. In the future, the E-Shram Card could become a central tool for labor reforms and ensure that “no worker is left behind.”
Conclusion
The E-Shram Card is a revolutionary step toward formalizing India’s unorganized workforce and bringing them under a security net. By bridging the gap between the government and workers, it ensures inclusiveness, dignity, and protection. With continuous efforts and public participation, the E-Shram scheme has the potential to transform millions of lives across the country.
ಈಗಾಗಲೇ ಕರ್ನಾಟಕ ಸರ್ಕಾರವು 5 ಎಕರೆಗಿಂತ ಕಡಿಮೆ ಜಮೀನಿನ ರೈತರಿಗೆ 25,000 ನೇರ ಹಣಕಾಸು ಸಹಾಯಧನವನ್ನು ರೈತರಿಗಾಗಿ ವಿವಿಧ ಸಹಾಯಧನ ಯೋಜನೆಗಳು ಮತ್ತು ಸಾಲ ಸೌಲಭ್ಯಗಳನ್ನು ರಾಜ್ಯ ಮತ್ತು ಕೇಂದ್ರ ಸರ್ಕಾರಗಳು ಒದಗಿಸುತ್ತಿವೆ.
ಕರ್ನಾಟಕ ಸರ್ಕಾರದ ಪ್ರಮುಖ ರೈತ ಸಹಾಯ ಯೋಜನೆಗಳು:
1. ಬೂ ಸಿರಿ ಯೋಜನೆ (Bhoo Siri Scheme)
ಈ ಯೋಜನೆಯಡಿಯಲ್ಲಿ, ಕಿಸಾನ್ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಹೊಂದಿರುವ ರೈತರಿಗೆ ಕೃಷಿ ಇನ್‌ಪುಟ್‌ಗಳ ಖರೀದಿಗೆ 10,000 ಸಹಾಯಧನ ನೀಡಲಾಗುತ್ತದೆ. ಇದರಲ್ಲಿ ರಾಜ್ಯ ಸರ್ಕಾರ 2,500 ಮತ್ತು ನಾಬಾರ್ಡ್ 7,500 ನೀಡುತ್ತದೆ. ಈ ಯೋಜನೆಯು ಸುಮಾರು 50 ಲಕ್ಷ ರೈತರಿಗೆ ಲಾಭ ನೀಡಲಿದೆ.
ರಾಜ್ಯ ಸರ್ಕಾರವು ಬಡ್ಡಿ ರಹಿತ ಕೃಷಿ ಸಾಲದ ಮಿತಿ 3 ಲಕ್ಷದಿಂದ 5 ಲಕ್ಷಕ್ಕೆ ಹೆಚ್ಚಿಸಿದೆ. ಈ ಯೋಜನೆಯಡಿಯಲ್ಲಿ, ರೈತರಿಗೆ 25,000 ಕೋಟಿ ಮೊತ್ತದ ಸಾಲವನ್ನು ಬಡ್ಡಿ ರಹಿತವಾಗಿ ವಿತರಿಸಲಾಗುತ್ತದೆ, ಇದು ಸುಮಾರು 30 ಲಕ್ಷ ರೈತರಿಗೆ ಲಾಭ ನೀಡಲಿದೆ.
ಈ ಯೋಜನೆಯಡಿಯಲ್ಲಿ, ಅರ್ಹ ರೈತರಿಗೆ ವರ್ಷಕ್ಕೆ 6,000 ನೇರ ಹಣಕಾಸು ಸಹಾಯಧನವನ್ನು ಮೂರು ಹಂತಗಳಲ್ಲಿ ನೀಡಲಾಗುತ್ತದೆ. ಈ ಯೋಜನೆಯು 2019ರಲ್ಲಿ ಪ್ರಾರಂಭಗೊಂಡಿದ್ದು, ರೈತರ ಆದಾಯವನ್ನು ಹೆಚ್ಚಿಸುವ ಉದ್ದೇಶವನ್ನು ಹೊಂದಿದೆ.
2. ಪಿಎಂ ಕುಸಮ್ ಯೋಜನೆ (PM-KUSUM)
ಈ ಯೋಜನೆಯಡಿಯಲ್ಲಿ, ರೈತರು ಸೌರಶಕ್ತಿ ಪಂಪ್‌ಗಳನ್ನು ಸ್ಥಾಪಿಸಲು 60% ಸಬ್ಸಿಡಿಯನ್ನು ಪಡೆಯಬಹುದು. ಇದು ಕೃಷಿಯಲ್ಲಿ ಡೀಸೆಲ್ ಅವಲಂಬನೆಯನ್ನು ಕಡಿಮೆ ಮಾಡುವುದು ಮತ್ತು ರೈತರ ಆದಾಯವನ್ನು ಹೆಚ್ಚಿಸುವ ಉದ್ದೇಶವನ್ನು ಹೊಂದಿದೆ.
ಜಾರ್ಖಂಡ್ ಕೃಷಿ ಆಶೀರ್ವಾದ ಯೋಜನೆ – ಪ್ರತಿ ಎಕರೆಗೆ 5,000 ನೆರವು
ಜಾರ್ಖಂಡ್ ಸರ್ಕಾರ ರೈತರ ಬೆಂಬಲಕ್ಕಾಗಿ ಆರಂಭಿಸಿರುವ ಮಹತ್ವದ ಯೋಜನೆಯೇ “ಕೃಷಿ ಆಶೀರ್ವಾದ ಯೋಜನೆ”. ಈ ಯೋಜನೆಯಡಿ 5 ಎಕರೆಗಿಂತ ಕಡಿಮೆ ಜಮೀನು ಹೊಂದಿರುವ ರೈತರಿಗೆ ಪ್ರತಿ ಎಕರೆಗೆ 5,000 ನೇರ ಹಣಕಾಸು ಸಹಾಯಧನ ನೀಡಲಾಗುತ್ತದೆ.
ಅಂದರೆ, 5 ಎಕರೆ ಜಮೀನಿದ್ದರೆ ಗರಿಷ್ಠ 25,000 ನೇರವಾಗಿ ರೈತರ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಜಮೆಯಾಗುತ್ತದೆ. ಈ ಹಣವನ್ನು ಬೆಳೆ ಸೀಸನ್‌ಗಾಗಿ, ಬಿತ್ತನೆಗೆ ಮುಂಚೆಯೇ ನೀಡಲಾಗುತ್ತದೆ, ರೈತರು ಇನ್‌ಪುಟ್ ಖರ್ಚನ್ನು ಸುಲಭವಾಗಿ ನಿಭಾಯಿಸಬಹುದು.
ಈಗಾಗಲೇ ಕರ್ನಾಟಕ ಸರ್ಕಾರವು 5 ಎಕರೆಗಿಂತ ಕಡಿಮೆ ಜಮೀನಿನ ರೈತರಿಗೆ 25,000 ನೇರ ಹಣಕಾಸು ಸಹಾಯಧನವನ್ನು ಘೋಷಿಸಿರುವ ಬಗ್ಗೆ ಯಾವುದೇ ಅಧಿಕೃತ ಮಾಹಿತಿಯಿಲ್ಲ. ಆದರೆ, ರೈತರಿಗಾಗಿ ವಿವಿಧ ಸಹಾಯಧನ ಯೋಜನೆಗಳು ಮತ್ತು ಸಾಲ ಸೌಲಭ್ಯಗಳನ್ನು ರಾಜ್ಯ ಮತ್ತು ಕೇಂದ್ರ ಸರ್ಕಾರಗಳು.
ಪ್ರಧಾನ ಮಂತ್ರಿ ಕಿಸಾನ್ ಸಮ್ಮಾನ್ ನಿಧಿ (PM-KISAN) ಯೋಜನೆ ಭಾರತ ಸರ್ಕಾರದ ಕೇಂದ್ರ ಯೋಜನೆಯಾಗಿದ್ದು, ದೇಶದ ಸಣ್ಣ ಮತ್ತು ಸೀಮಿತ ಜಮೀನಿನ ರೈತರಿಗೆ ಆರ್ಥಿಕ ಸಹಾಯವನ್ನು ನೇರವಾಗಿ ಒದಗಿಸುವ ಉದ್ದೇಶವನ್ನು ಹೊಂದಿದೆ.
ಯೋಜನೆಯ ಮುಖ್ಯಾಂಶಗಳು:
ವಾರ್ಷಿಕ ಸಹಾಯಧನ: ಪ್ರತಿ ಅರ್ಹ ರೈತ ಕುಟುಂಬಕ್ಕೆ ವರ್ಷಕ್ಕೆ 6,000 ನೇರ ಹಣಕಾಸು ಸಹಾಯಧನವನ್ನು ನೀಡಲಾಗುತ್ತದೆ.
ಹಂತಗಳಲ್ಲಿ ಪಾವತಿ: ಈ ಮೊತ್ತವನ್ನು ಮೂರು ಸಮಾನ ಹಂತಗಳಲ್ಲಿ (ಪ್ರತಿ ನಾಲ್ಕು ತಿಂಗಳಿಗೆ 2,000) ನೇರವಾಗಿ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಜಮೆ ಮಾಡಲಾಗುತ್ತದೆ.
ನೇರ ಲಾಭ: ಹಣವನ್ನು ನೇರವಾಗಿ ರೈತರ ಆಧಾರ್ ಲಿಂಕ್‌ ಮಾಡಿದ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಜಮೆ ಮಾಡಲಾಗುತ್ತದೆ.
ಅರ್ಹತೆ ಮಾನದಂಡಗಳು:
ಅರ್ಹ ರೈತ ಕುಟುಂಬದಲ್ಲಿ ಪತಿ, ಪತ್ನಿ ಮತ್ತು ಅಪ್ರಾಪ್ತ ಮಕ್ಕಳನ್ನು ಒಳಗೊಂಡಿರಬೇಕು.
ಅರ್ಹತೆಯು ಜಮೀನಿನ ಮಾಲೀಕರಿಗೆ ಮಾತ್ರ ಅನ್ವಯಿಸುತ್ತದೆ; ಬಾಡಿಗೆದಾರರು ಅಥವಾ ಕೃಷಿ ಕಾರ್ಮಿಕರು ಈ ಯೋಜನೆಯ ಲಾಭ ಪಡೆಯಲು ಅರ್ಹರಾಗಿಲ್ಲ.
ಕೆಳಗಿನ ವರ್ಗದವರು ಯೋಜನೆಗೆ ಅರ್ಹರಾಗಿಲ್ಲ:
ಆಯಕರ ತೆರಿಗೆ ಪಾವತಿಸುವವರು
ಸರ್ಕಾರಿ ನೌಕರರು
ಡಾಕ್ಟರ್, ಇಂಜಿನಿಯರ್, ವಕೀಲರು, ಸಿಎ ಮುಂತಾದ ವೃತ್ತಿಪರರು
₹10,000ಕ್ಕಿಂತ ಹೆಚ್ಚು ಪಿಂಚಣಿ ಪಡೆಯುವವರು
ನೋಂದಣಿ ಪ್ರಕ್ರಿಯೆ:
ಅಧಿಕೃತ ವೆಬ್ಸೈಟ್ ಗೆ ಭೇಟಿ ನೀಡಿ.
‘Farmer’s Corner’ ವಿಭಾಗದಲ್ಲಿ ‘New Farmer Registration’ ಆಯ್ಕೆಮಾಡಿ.
ಆಧಾರ್ ಸಂಖ್ಯೆ, ಬ್ಯಾಂಕ್ ಖಾತೆ ವಿವರಗಳು ಮತ್ತು ಜಮೀನಿನ ದಾಖಲೆಗಳನ್ನು ನಮೂದಿಸಿ.
e-KYC ಪ್ರಕ್ರಿಯೆ ಪೂರ್ಣಗೊಳಿಸಿ
ಇತ್ತೀಚಿನ ಮಾಹಿತಿ:
18ನೇ ಹಂತದ ಪಾವತಿ: ಬಿಡುಗಡೆ ಮಾಡಲಾಗಿದೆ.
ಲಾಭದಾರರ ಸಂಖ್ಯೆ: ಸುಮಾರು 9.4 ಕೋಟಿ ರೈತರಿಗೆ 2,000 ಪಾವತಿಸಲಾಗಿದೆ.
ಒಟ್ಟು ಪಾವತಿ ಮೊತ್ತ: ಈ ಹಂತದ ಪಾವತಿಯಲ್ಲಿ 20,000 ಕೋಟಿ ಮೊತ್ತವನ್ನು ವಿತರಿಸಲಾಗಿದೆ.
ಲಾಭದಾರರ ಸ್ಥಿತಿ ಪರಿಶೀಲನೆ:
ನಿಮ್ಮ ಪಾವತಿ ಸ್ಥಿತಿಯನ್ನು ಪರಿಶೀಲಿಸಲುಅಧಿಕೃತ ವೆಬ್‌ಸೈಟ್‌ಗೆ ಭೇಟಿ ನೀಡಿ. ‘Farmer’s Corner’ ವಿಭಾಗದಲ್ಲಿ ‘Beneficiary Status’ ಆಯ್ಕೆಮಾಡಿ ಮತ್ತು ನಿಮ್ಮ ಆಧಾರ್ ಸಂಖ್ಯೆ ಅಥವಾ ಬ್ಯಾಂಕ್ ಖಾತೆ ಸಂಖ್ಯೆಯನ್ನು ನಮೂದಿಸಿ.
ಈ ಯೋಜನೆಯು ರೈತರ ಆರ್ಥಿಕ ಸ್ಥಿತಿಯನ್ನು ಸುಧಾರಿಸಲು ಮತ್ತು ಕೃಷಿ ಚಟುವಟಿಕೆಗಳಿಗೆ ಸಹಾಯ ಮಾಡಲು ಉದ್ದೇಶಿತವಾಗಿದೆ. ಹೆಚ್ಚಿನ ಮಾಹಿತಿಗಾಗಿ ನಿಮ್ಮ ಹತ್ತಿರದ ಕೃಷಿ ಇಲಾಖೆ ಕಚೇರಿಯನ್ನು ಸಂಪರ್ಕಿಸಿ ಅಥವಾ ಅಧಿಕೃತ ವೆಬ್‌ಸೈಟ್‌ಗೆ ಭೇಟಿ ನೀಡಿ.
The Government of India has launched several welfare schemes to support workers in the unorganized sector who often lack access to formal social security. Two major initiatives are the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) and the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY). These schemes aim to provide a steady pension and affordable life/accident insurance coverage to low-income individuals.
Objective: PM-SYM is a voluntary and contributory pension scheme for unorganized workers like street vendors, rickshaw pullers, construction workers, domestic workers, etc. It guarantees a minimum monthly pension of ₹3000 after the age of 60.
The ₹3000 pension under PM-SYM and the ₹2 lakh insurance schemes (PMJJBY & PMSBY) are crucial tools in the Indian government’s social security net. Together, they aim to protect millions of workers who otherwise face uncertain futures due to lack of savings or protection against accidents or premature death. These schemes are a major step toward inclusive development and financial safety for India’s vast unorganized workforce.
In today’s evolving economic landscape, mobility is becoming increasingly crucial for business success. Recognizing this, many governments around the world — including in developing economies — have introduced various schemes and subsidies to encourage individuals, especially entrepreneurs and small business owners, to purchase vehicles like bikes and cars. These schemes are often structured to reduce financial burden, enhance income generation, and stimulate local economies. With a proper strategy, this financial support can be smartly leveraged for business expansion, employment generation, and better service delivery.
Understanding Government Support for Vehicle Purchase
Government support for purchasing vehicles typically comes in the form of subsidies, low-interest loans, direct cash benefits, or tax incentives. These are especially targeted toward:
The primary objective is to empower individuals who can then use these vehicles as tools to create sustainable income. Bikes and cars can be used for delivery services, taxi businesses, courier operations, agriculture-related transport, or even as a commuting solution for businesses with travel-based needs.
Types of Government Schemes for Vehicle Purchase
1. Subsidies and Grants
Many governments provide direct subsidies on electric bikes and vehicles to promote green mobility. These subsidies can reduce the on-road cost significantly, allowing businesses to invest in mobility solutions at a reduced capital cost.
2. Low-Interest Loans and EMI Options
Financial institutions, often supported by the government, offer low-interest loans under schemes designed for rural upliftment or small businesses. In some cases, these loans come with a moratorium period and repayment flexibility.
3. Startup and Entrepreneurship Programs
Schemes like the Pradhan Mantri Mudra Yojana (in India) or similar international programs provide financial aid for self-employment. Buying a vehicle for commercial use is often covered under such schemes.
4. Women Empowerment Schemes
Some programs provide extra support to women entrepreneurs, enabling them to own vehicles for starting cab services, mobile businesses, or rural transportation services.
5. Special State-Level Schemes
In many regions, state governments offer additional benefits, especially for electric vehicles or for employment generation in backward areas. These often cover both two-wheelers and four-wheelers.
Using the Vehicle for Business: Opportunities and Ideas
Once a bike or car is purchased with government financial support, the key is to use it effectively. Here are some ways it can be converted into a business opportunity:
1. Delivery and Logistics Services
With the rise of e-commerce, demand for last-mile delivery has exploded. Owning a two-wheeler or small car opens doors to work with platforms like Amazon, Flipkart, Swiggy, Zomato, or run independent courier services. Many rural entrepreneurs are also providing delivery services for local businesses, pharmacies, and grocery stores.
2. Ride-Sharing and Taxi Services
Ride-sharing platforms like Uber, Ola, or Bolt offer income opportunities to individuals with their own vehicles. Some even offer special onboarding incentives for electric vehicles or for drivers from underrepresented groups.
3. Mobile Business Units
Small cars or vans can be converted into mobile shops — such as food vans, salons on wheels, or mobile libraries. Bikes with delivery boxes can also serve niche markets like tiffin delivery or mobile repair services.
4. Rural Transport and Shuttle Services
In remote areas, public transportation is limited. A shared taxi or bike-taxi service can serve as an affordable option for locals, while also being a stable business for the vehicle owner.
5. Field-Based Service Jobs
Professionals such as electricians, plumbers, tutors, or medical representatives can benefit from owning a vehicle for easier client access. A reliable mode of transport can help increase the number of daily service calls, thereby increasing revenue.
6. Agricultural Use and Allied Sectors
Vehicles can be used to transport produce from farms to markets, reducing reliance on third parties and improving profitability. Some entrepreneurs also offer vehicle rental services for short-term agricultural transport.
Documentation and Planning
To make the most of such schemes, applicants usually need to provide:
Proof of identity and address
Business plan or income generation proposal
Quotation from a vehicle dealer
Bank statements and CIBIL score (in case of loans)
Proof of eligibility (for special categories like women, SC/ST, etc.)
It is important to plan the use of the vehicle in alignment with the business goal. Mapping out potential customers, target markets, and a basic financial forecast can greatly improve the chances of loan or grant approval.
Real-Life Success Stories
Many small entrepreneurs have leveraged these opportunities to build thriving businesses. A young man in Bihar, for example, started a bike courier service using a Mudra loan and now employs five riders. A woman in Maharashtra used a subsidy to purchase a small car and began offering school drop-off and pick-up services in her locality. These are not isolated cases — such schemes have helped thousands to transition from unemployment to entrepreneurship.
Challenges and How to Overcome Them
Despite the opportunities, challenges exist. Lack of awareness, bureaucratic delays, and documentation issues can slow down the process. To overcome these, it’s advisable to:
Consult with local business development officers or banks
Join local entrepreneur groups for shared knowledge
Use digital platforms that guide through government schemes
Approach NGOs or self-help groups that facilitate applications
The government’s push toward self-employment and economic development through vehicle purchase schemes is a golden opportunity for aspiring entrepreneurs. A bike or car, when used creatively, becomes more than a mode of transport — it becomes a tool for transformation. Whether it’s for delivery, transport, or mobile services, the integration of government support and entrepreneurial vision can lead to sustainable income and community growth. With increasing digital access and mobility demand, now is the perfect time for individuals to step up, take advantage of these schemes, and drive their way to business success.
In recent years, India has witnessed rapid growth in the automobile industry. With increasing demand for both personal and commercial vehicles, especially two-wheelers and small cars, aspiring entrepreneurs have a golden opportunity to tap into this booming market. If you are planning to start a small business by purchasing a bike or a car and eventually converting it into a self-employment opportunity, this guide will help you understand the roadmap to success—along with information on government schemes that can support you with up to ₹1.5 lakh in assistance.
Business Idea: Car or Bike-Based Self-Employment
This business plan revolves around the purchase of a two-wheeler or four-wheeler (depending on your budget and location) and using it for generating income. Here are a few ideas for how one can earn using a vehicle:
Food or grocery delivery (via Zomato, Swiggy, Dunzo, Blinkit, etc.)
Courier service or e-commerce deliveries
Bike taxi service (Rapido or Ola Bike)
Rental services for tourists
2. Car-Based Business Ideas
Cab service (Uber, Ola)
Rental or self-drive car service
Tourist taxi for local and outstation trips
School van service or staff pickup & drop
Package delivery for logistics companies
This business plan works best for individuals in urban or semi-urban areas, but rural opportunities are also growing fast, especially with improved roads and connectivity.
Step-by-Step Business Plan
Here’s a simple yet effective plan to start your own car/bike purchase-based business.
Step 1: Decide the Business Model
Choose how you want to use the vehicle. For example:
Daily food delivery on a bike
Ola cab service with a car
Bike taxi for students and office-goers
Step 2: Market Research
Study your local area:
Are there already too many delivery agents or cabs?
Is there a need for a new service?
What are people struggling with? (E.g., lack of reliable transport)
Step 3: Financial Planning
Expenses:
Vehicle cost: ₹80,000–₹1,20,000 for a bike; ₹4–₹7 lakh for a car
Insurance and registration
Fuel and maintenance
EMI (if bought on loan)
Income:
Daily earnings can range from ₹500–₹1500 depending on the work
Monthly earnings after fuel and EMI can still be ₹15,000–₹25,000
Step 4: Funding Options
This is where government schemes like the PMEGP, Stand-Up India, and Mudra Yojana come in handy. Many of these schemes offer loans and subsidies up to ₹1.5 lakh or more.
Government Schemes Offering Up to ₹1.5 Lakh Support
The Indian government has launched several schemes to support self-employment and small businesses. These include loans and subsidies that can help you buy your first car or bike for business.
1. Pradhan Mantri Mudra Yojana (PMMY)
Offers loans up to ₹10 lakh to non-corporate, non-farm small businesses.
Shishu category is perfect for beginners – loans up to ₹50,000.
Kishore – loans from ₹50,001 to ₹5 lakh.
Tarun – loans from ₹5 to ₹10 lakh.
Interest rates: Around 8–12%, no collateral needed.
Repayment tenure: 3–5 years.
Can be used to buy a bike or car for commercial use.
Starting a car or bike-based business is a smart move in today’s fast-moving economy. With opportunities in delivery, transport, and rentals, even a single vehicle can create a stable income source. What’s more, government support of up to ₹1.5 lakh through schemes like PMEGP and Mudra Yojana makes it easier for new entrepreneurs to get started.
If you have the drive to work hard and manage your resources well, this simple business model can be your first step towards becoming a successful self-employed individual—or even growing into a fleet owner in the future.
n today’s evolving world, the role of women in entrepreneurship has grown tremendously. Many women are now starting their own businesses from home, not only to support their families financially but also to fulfill their dreams of independence and creativity. Home-based businesses offer the flexibility, comfort, and balance that many women seek, especially those who manage both household and professional responsibilities.
Whether it’s turning a hobby into a profession or tapping into local market needs, home-based businesses have opened up a wide range of possibilities for women across rural and urban areas alike.
There are several reasons why home-based businesses are becoming a preferred choice for women:
Flexibility: Women can set their own working hours and manage family and work life more efficiently.
Low Investment: Starting a business from home reduces expenses like renting a shop or office space.
Creative Freedom: It allows women to pursue their passion, whether it’s cooking, crafting, designing, or consulting.
Skill Utilization: Women can use their existing skills—be it tailoring, writing, or baking—to generate income.
Popular Home Business Ideas for Women
Here are some small business ideas that women can start and manage effectively from home:
1. Tailoring and Boutique Business
This is one of the oldest and most reliable small business ideas for women. With minimal investment in a sewing machine and some fabrics, women can start stitching clothes for neighbors or even open a small boutique offering custom designs.
Benefits:
Can work on orders based on time availability.
Can expand to selling online through social media.
2. Homemade Food Business
For women who love to cook, a tiffin or catering service is a great home business. With growing demand for hygienic, homemade food, this business is especially viable in cities.
Options Include:
Lunch box service for office workers or students.
Special dish catering for small parties.
Making and selling pickles, snacks, or sweets.
3. Handicraft or Art Business
Handmade items like jewelry, home décor, crochet, embroidery, or paintings have a niche market. Many customers prefer unique, handmade products over mass-produced ones.
Where to Sell:
Local markets and exhibitions.
Online platforms like Etsy, Instagram, or local WhatsApp groups.
4. Beauty Parlour or Salon Services
Women with skills in beauty and grooming can start a small beauty parlour at home. With a few tools and basic training, they can provide services like facials, haircuts, threading, and bridal makeup.
Expansion Ideas:
Offer home service visits.
Conduct beauty classes for girls and women.
5. Tutoring and Coaching Classes
If a woman is educated and has a passion for teaching, starting tuition classes from home is an ideal business. This is especially in demand for school students or coaching in subjects like English, Math, or Science.
Additional Options:
Teaching music or dance.
Conducting online classes for a wider reach.
6. Online Business or Freelancing
With access to a smartphone or computer, women can work from home as freelancers or run online businesses.
Examples:
Content writing or translation.
Digital marketing or graphic designing.
Selling clothes, jewelry, or handmade items on e-commerce platforms.
7. Soap, Candle, or Agarbathi Making
These are low-investment manufacturing ideas that can be done from home. Women can make and sell handmade soaps, scented candles, or incense sticks locally or online.
Advantages:
Demand for eco-friendly, handmade products is rising.
Raw materials are affordable and locally available.
Advantages of Home-Based Business for Women
Starting a home business can offer women numerous long-term benefits:
1. Financial Independence
Running a business from home gives women the ability to earn their own income, reducing dependency and increasing their confidence.
2. Empowerment
Managing a business helps women build leadership, communication, and decision-making skills.
3. Work-Life Balance
Home-based businesses offer flexibility in terms of working hours, allowing women to manage household and children alongside their business.
4. Community Support
Many women form support groups or self-help groups (SHGs) where they work together, share ideas, and grow collectively.
Challenges Faced by Women in Home Business
Despite the many benefits, women entrepreneurs also face several challenges:
1. Lack of Training
Many women may not have formal business training or access to resources like marketing or bookkeeping knowledge.
2. Limited Access to Finance
Getting loans or financial support can be difficult without collateral or proper documentation.
3. Balancing Responsibilities
Juggling between housework, childcare, and business can be exhausting without family support.
4. Marketing Struggles
Reaching customers and competing in the digital space can be tough without tech knowledge.
Solutions and Support for Women Entrepreneurs
Many government and non-governmental organizations (NGOs) are helping women start their home-based businesses. Some support systems include:
Home-based businesses are more than just a source of income for women—they are a gateway to self-respect, growth, and empowerment. With a bit of creativity, dedication, and support, women can turn small ideas into successful ventures. Whether it’s cooking, teaching, crafting, or freelancing, every woman has a unique skill that can be turned into a business opportunity.
The journey may not always be easy, but with the right knowledge, support, and belief in oneself, women can thrive as entrepreneurs from the comfort of their homes. Encouraging women to start small businesses is not just about economics—it’s about building a stronger, more inclusive society where every woman has the chance to shine.
Small businesses have become a cornerstone for empowering women, particularly those who want to balance family responsibilities with earning an income. As traditional employment options may not always be flexible or accessible, more women are embracing the opportunity to run small, home-based businesses that not only offer financial independence but also allow for creativity and self-expression. Among the many small business opportunities for women, agarbathi (incense stick) making, soap making, and paper plate making are highly viable options. These businesses require relatively low capital investment and can be scaled according to market demand.
1. Agarbathi (Incense Stick) Making Business
Agarbathi making is a lucrative small business idea, particularly in regions where incense sticks are used widely for religious, spiritual, and aromatic purposes. The demand for incense sticks is high, and it can be marketed in local markets, religious places, online platforms, and even exported.
Preparing the Bamboo Sticks: Cut the bamboo sticks to the desired length (usually around 9 inches).
Making the Paste: Mix charcoal powder, aromatic oils, and other ingredients to form a paste. The paste should be smooth and adhesive.
Coating the Sticks: Dip the bamboo sticks into the paste, ensuring that it is evenly coated.
Drying the Sticks: After coating, the sticks need to be dried. This can be done by placing them in a well-ventilated area, preferably with sunlight.
Packaging: Once the incense sticks are completely dry, they are packaged in attractive boxes or wrappers for sale.
Market Potential:
Target Audience: Religious institutions, individuals who practice meditation or yoga, and households that use incense for fragrance.
Sales Channels: Local retail stores, online platforms (like Amazon, Etsy), and bulk orders for religious organizations.
Profitability: Agarbathi making requires minimal capital investment in raw materials. With the right marketing strategy and quality production, the business can quickly turn profitable.
Challenges and Tips:
Quality Control: Maintaining the quality of the fragrance and the consistency of the sticks is crucial.
Marketing: As the business grows, establishing a unique fragrance or offering eco-friendly, chemical-free incense sticks could be a selling point.
Competition: While there is significant demand for agarbathis, the market can also be competitive. Niche products like premium incense sticks or those made with organic ingredients can help stand out.
2. Soap Making Business
The soap-making business is a popular choice for small-scale entrepreneurs, especially women who are interested in working from home. The demand for handmade soaps has risen due to growing awareness about harmful chemicals in commercial soap products and the desire for organic and natural alternatives.
Starting the Soap Making Business:
Materials Needed:
Soap base (glycerin, shea butter, or other natural bases)
Essential oils (lavender, rose, tea tree, etc.)
Natural colorants (like herbs, clays, or natural pigments)
Additives (such as aloe vera, honey, oats, or exfoliants)
Molds
Packaging materials (boxes, wrappers, labels)
Step-by-Step Process:
Melting the Soap Base: Choose a base that aligns with your target market’s needs (e.g., glycerin for sensitive skin, shea butter for moisturizing properties).
Adding Fragrance and Color: Once the base is melted, add your essential oils and natural colorants. You can also include beneficial additives like honey or oats.
Pouring into Molds: Pour the mixture into molds and let it cool and solidify. The molds can be of different shapes to make your soaps more attractive.
Packaging: After the soap has fully cooled and hardened, it can be removed from the molds and wrapped in attractive packaging.
Market Potential:
Target Audience: People who prefer handmade, natural, and eco-friendly products. This includes people with sensitive skin, those seeking organic alternatives, and individuals who are passionate about sustainability.
Sales Channels: Local farmers’ markets, online stores (like Etsy or Instagram), retail partnerships, and even selling directly to spas or beauty salons.
Profitability: The initial investment is relatively low, and the margins can be high once you create a brand around your product. Since handmade soaps often sell at a premium price, they can be highly profitable.
Challenges and Tips:
Compliance: Ensure that the soap-making process and the ingredients used are safe and compliant with local health regulations.
Customization: Offer personalized soaps for occasions like weddings, birthdays, or corporate gifts, which can help attract more customers.
Marketing: Effective branding and storytelling about the origins of your ingredients and their benefits will be crucial. Additionally, having eco-friendly packaging can appeal to environmentally-conscious customers.
3. Paper Plate Making Business
The paper plate-making business has emerged as a promising small-scale venture. With growing awareness about the harmful effects of plastic on the environment, eco-friendly alternatives like paper plates are in high demand for events, parties, and foodservice industries.
Starting the Paper Plate Making Business:
Materials Needed:
Paper pulp
Molds (round or custom shapes)
Pressing and drying equipment
Packaging materials
Step-by-Step Process:
Preparing the Paper Pulp: Paper pulp is created by soaking paper in water and blending it to form a slurry.
Molding the Plates: The paper pulp is poured into molds to form the shape of the plates.
Pressing and Drying: The paper plates are then pressed to remove excess water and dried under sunlight or in a drying machine.
Packaging: Once dried, the plates are removed from the molds, stacked, and packaged for sale.
Market Potential:
Target Audience: Event organizers, restaurants, caterers, and consumers who want to reduce their environmental footprint by using biodegradable products.
Sales Channels: Local businesses, wholesalers, event suppliers, or even selling directly to consumers via online platforms.
Profitability: The cost of raw materials and machinery is moderate, but once established, the business has high growth potential. Paper plates are in constant demand in various sectors, making this a stable and scalable business.
Challenges and Tips:
Quality Control: The plates must be sturdy enough to hold food without breaking. Testing the product before offering it to customers is critical.
Sustainability: Emphasize that your paper plates are biodegradable and eco-friendly, which can be a strong selling point. Marketing the eco-benefits of your products can help you stand out in a crowded market.
Starting a small business like agarbathi making, soap making, or paper plate production is a fantastic opportunity for women who want to become entrepreneurs and make a meaningful contribution to their communities. Each of these businesses can be started with a relatively low initial investment and can be scaled with time and effort.
Agarbathi Making offers a chance to tap into a long-standing tradition of incense use, while introducing new scents and eco-friendly products to the market.
Soap Making provides an opportunity to cater to the growing demand for natural and organic personal care products, with a focus on health-conscious and eco-aware consumers.
Paper Plate Making aligns with the global shift towards sustainability and offers an eco-friendly alternative to plastic products.
ಬ್ಯೂಟಿ ಪಾರ್ಲರ್ ಉದ್ಯಮವು ಮಹಿಳೆಯರಿಗಾಗಿ ಅತ್ಯಂತ ಜನಪ್ರಿಯ, ಕಡಿಮೆ ಬಂಡವಾಳದ ಹಾಗೂ ಲಾಭದಾಯಕವಾದ ಸೇವಾ ಉದ್ಯಮವಾಗಿದೆ. ಈ ಕ್ಷೇತ್ರದಲ್ಲಿ ತಕ್ಷಣ ಗ್ರಾಹಕರನ್ನು ಆಕರ್ಷಿಸಲು ಸಾಧ್ಯವಿದೆ.
ತರಬೇತಿ (Training):
ಅವಧಿ: 3 ತಿಂಗಳಿಂದ 1 ವರ್ಷವರೆಗೆ (ಅಧಾರಿತ ಕೋರ್ಸ್)
ಪಾಠ್ಯಕ್ರಮ: ಫೆಸಿಯಲ್, ಮೆಕಪ್, ವೀಕ್ಷಣೆ, ತ್ವಚಾ ಮತ್ತು ಕೂದಲು ಪರಿಚರಣೆ, ನೇಲ್ ಆರ್ಟ್, ಹೇರಳ ರಂಗಾಯಣ, ಬ್ರೈಡಲ್ ಮೆಕಪ್, ಇತ್ಯಾದಿ
ತರಬೇತಿ ಸಂಸ್ಥೆಗಳು:
ಜಿಲ್ಲಾ ಕೈಗಾರಿಕಾ ತರಬೇತಿ ಕೇಂದ್ರಗಳು (ITI)
ಜನಶಿಕ್ಷಣ ಸಂಸ್ಥೆಗಳು
ಖಾಸಗಿ ಅಕ್ಡೆಮಿಗಳು (VLCC, Naturals Academy, Orane, ಇತ್ಯಾದಿ)
ಅವಶ್ಯಕ ಸಾಮಗ್ರಿಗಳು:
ಮಿರರ್ ಹಾಗೂ ಸಿಂಕರ
ಫೆಸಿಯಲ್ ಕಿಟ್, ಕ್ಲೀನ್ಸಿಂಗ್ ಸಾಮಗ್ರಿ
ಶಾಂಪೂ, ಬ್ಯೂಟಿ ಕ್ರೀಮ್, ಬಡಗಿ ಸಲಕರಣೆಗಳು
ಮೆಕಪ್ ಕಿಟ್
ಕೂದಲು ಉತ್ತರಿಸಲು/ಕತ್ತರಿಸಲು ಸಾಧನಗಳು
ಪೆಡಿಕ್ಯೂರ್/ಮ್ಯಾನಿಕ್ಯೂರ್ ಕಿಟ್
ವೆಚ್ಚ (ತಯಾರಿ + ಸಾಮಗ್ರಿಗಳು):
ಚಿಕ್ಕ ಪಾರ್ಲರ್: ₹50,000 – ₹1,50,000
ತರಬೇತಿ ವೆಚ್ಚ: ₹5,000 – ₹50,000 (ಕೋರ್ಸ್ ಪ್ರಕಾರ)
ಆದಾಯ:
ಪ್ರಾರಂಭದಲ್ಲಿ: ತಿಂಗಳಿಗೆ ₹10,000 – ₹25,000
ಗ್ರಾಹಕರ ಆಧಾರ ಹಾಗೂ ಸೇವೆಗಳ ವಿಸ್ತಾರದಿಂದ 1–2 ವರ್ಷಗಳಲ್ಲಿ ₹40,000+ ಆದಾಯ ಸಾಧ್ಯ
ಲಖಪತಿ ದೀದಿ ಯೋಜನೆ ಒಂದು ಕೇಂದ್ರ ಸರ್ಕಾರದ ಮಹತ್ವಾಕಾಂಕ್ಷಿ ಯೋಜನೆ ಆಗಿದ್ದು, ಮಹಿಳೆಯರನ್ನು ಆರ್ಥಿಕವಾಗಿ ಸ್ವಾವಲಂಬಿಯಾಗಿ, ಸಶಕ್ತವಾಗಿ ಹಾಗೂ ಉದ್ಯಮಿಗಳಾಗಿ ರೂಪಿಸುವ ಗುರಿಯನ್ನು ಹೊಂದಿದೆ. ಈ ಯೋಜನೆಯಡಿ, ಮಹಿಳೆಯರು ತಮ್ಮ ಸ್ವಸಹಾಯ ಗುಂಪುಗಳ (SHG) ಮೂಲಕ ₹5 ಲಕ್ಷದವರೆಗೆ ಬಡ್ಡಿರಹಿತ ಸಾಲ ಪಡೆದು, ಉದ್ಯಮ ಅಥವಾ ಸ್ವತಂತ್ರ ಕಾರ್ಯಾರಂಭಿಸಬಹುದು.
ಯೋಜನೆಯ ಉದ್ದೇಶ:
ಗ್ರಾಮೀಣ ಮತ್ತು ಶಹರಿ ಭಾಗದ ಮಹಿಳೆಯರಿಗೆ ಉದ್ಯಮಿಕ ಅವಕಾಶ ಕಲ್ಪಿಸುವುದು
ಬಡ್ಡಿರಹಿತ ಸಾಲದ ಮೂಲಕ ಆರ್ಥಿಕ ಬೆಂಬಲ ನೀಡುವುದು
ಉದ್ಯಮ ಪ್ರಾರಂಭಕ್ಕೆ ತರಬೇತಿ ಮತ್ತು ಮಾರ್ಗದರ್ಶನ ಒದಗಿಸುವುದು
ಮಹಿಳೆಯರನ್ನು ಲಖಪತಿ ದೀದಿ ಆಗಿ ರೂಪಿಸುವುದು (ಅಂದರೆ ವರ್ಷಕ್ಕೆ ₹1 ಲಕ್ಷ ಅಥವಾ ಹೆಚ್ಚು ಆದಾಯ ಸಾಧಿಸುವ ಮಹಿಳೆ)
ಸಾಲದ ಸೌಲಭ್ಯ:
₹5 ಲಕ್ಷದವರೆಗೆ ಬಡ್ಡಿರಹಿತ ಸಾಲ
ಸರಳ ಷರತ್ತುಗಳಲ್ಲಿ ಸಾಲ ಮಂಜೂರು
ಹೊಸ ಉದ್ಯಮ ಪ್ರಾರಂಭಿಸಲು ಅಥವಾ ಹಳೆಯದು ವಿಸ್ತರಿಸಲು ಸಹಾಯ
ಸಾಲ ಮರುಪಾವತಿ ಅವಧಿ ಸೌಕರ್ಯಪೂರ್ಣವಾಗಿರುತ್ತದೆ (ವಿವರ ಪ್ರಾಜೆಕ್ಟ್ ಅನುಸಾರ)
ಅರ್ಹತಾ ಮಾನದಂಡಗಳು:
ಅರ್ಹತಾ ಮಾನದಂಡಗಳು
ವಿವರ
ಪ್ರಜೆ
ಭಾರತೀಯ ಮಹಿಳೆ ಆಗಿರಬೇಕು
ವಯಸ್ಸು
18 ರಿಂದ 50 ವರ್ಷಗಳ ನಡುವೆ
ಸದಸ್ಯತ್ವ
ಮಾನ್ಯ ಸ್ವಸಹಾಯ ಗುಂಪಿನ (SHG) ಸದಸ್ಯೆಯಾಗಿರಬೇಕು
ವಾರ್ಷಿಕ ಆದಾಯ
ಕುಟುಂಬದ ವಾರ್ಷಿಕ ಆದಾಯ ₹3 ಲಕ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಇರಬೇಕು
ಸರ್ಕಾರಿ ಉದ್ಯೋಗ
ಕುಟುಂಬದಲ್ಲಿ ಯಾರೂ ಸರ್ಕಾರಿ ನೌಕರರಾಗಿರಬಾರದು
ಅಗತ್ಯ ದಾಖಲೆಗಳು:
ಆಧಾರ್ ಕಾರ್ಡ್
ಪಾಸ್‌ಪೋರ್ಟ್ ಅಳತೆಯ ಫೋಟೋ
ಪ್ಯಾನ್ ಕಾರ್ಡ್
ಮೊಬೈಲ್ ಸಂಖ್ಯೆ
ಬ್ಯಾಂಕ್ ಖಾತೆ ವಿವರಗಳು (IFSC ಸಹಿತ)
ಆದಾಯ ಪ್ರಮಾಣ ಪತ್ರ
ವಿಳಾಸ ಪುರಾವೆ
SHG ಸದಸ್ಯತ್ವದ ಪ್ರಮಾಣಪತ್ರ
ಶೈಕ್ಷಣಿಕ ಪ್ರಮಾಣಪತ್ರ (ಅಗತ್ಯವಿದ್ದರೆ)
ಸ್ಥಾಪಿಸಬಹುದಾದ ಉದ್ಯಮಗಳ ಉದಾಹರಣೆಗಳು:
ಹಸ್ತಕಲಾ ಉತ್ಪನ್ನಗಳು (ಹ್ಯಾಂಡ್‌ಮೇಡ್ ವಸ್ತುಗಳು)
ಹೊಟೇಲ್ / ಟಿಫಿನ್ ಸೇವೆಗಳು
ಬ್ಯೂಟಿ ಪಾರ್ಲರ್, ಟೈಲರಿಂಗ್, ತರಬೇತಿ ಸಂಸ್ಥೆಗಳು
ಡೈರಿ / ಪೌಲ್ಟ್ರಿ ಫಾರ್ಮಿಂಗ್
ಪ್ಯಾಕೇಜಿಂಗ್ ಘಟಕಗಳು
ಹೋಂಮೇಡ್ ಫುಡ್ ಪ್ರೊಡಕ್ಟ್ಸ್
ಕೃಷಿ ಆಧಾರಿತ ಉದ್ಯಮಗಳು (ಜೈವಿಕ ಉತ್ಪಾದನೆ, ಗೊಬ್ಬರ ತಯಾರಿ)
ಅರ್ಜಿ ಸಲ್ಲಿಸುವ ವಿಧಾನ:
ಆನ್‌ಲೈನ್ ಮೂಲಕ:
ಅಧಿಕೃತ ವೆಬ್ಸೈಟ್: Click Now
ಅರ್ಜಿ ನಮೂನೆ ಭರ್ತಿ ಮಾಡಿ
ಅಗತ್ಯ ದಾಖಲೆಗಳನ್ನು ಅಪ್ಲೋಡ್ ಮಾಡಿ
ಅರ್ಜಿ ಸಲ್ಲಿಸಿ ಮತ್ತು ರಶೀದಿ ಡೌನ್‌ಲೋಡ್ ಮಾಡಿ
ಆಫ್‌ಲೈನ್ ಮೂಲಕ:
ಹತ್ತಿರದ ಸ್ವಸಹಾಯ ಸಂಘ ಕಚೇರಿ/ಗ್ರಾಮ ಪಂಚಾಯತ್/ಬ್ಲಾಕ್ ಡೆವಲಪ್ಮೆಂಟ್ ಕಚೇರಿಗೆ ಭೇಟಿ ನೀಡಿ
ಲಖಪತಿ ದೀದಿ ಯೋಜನೆ ಮೂಲಕ ಸಾವಿರಾರು ಮಹಿಳೆಯರು ಈಗಾಗಲೇ ತಮ್ಮ ಬದುಕನ್ನು ಬದಲಾಯಿಸುತ್ತಿದ್ದಾರೆ. ಈ ಯೋಜನೆಯು ಕೇವಲ ಹಣಕಾಸಿನ ನೆರವಲ್ಲ – ಇದು ಆತ್ಮವಿಶ್ವಾಸ, ಸ್ವತಂತ್ರತೆ, ಮತ್ತು ಸಬಲೀಕರಣದ ಹೆಜ್ಜೆ.
ಮಹಿಳೆಯರನ್ನು ಆರ್ಥಿಕವಾಗಿ ಸ್ವಾವಲಂಬಿಯಾಗಿ, ಸಶಕ್ತವಾಗಿ ಹಾಗೂ ಉದ್ಯಮಿಗಳಾಗಿ ರೂಪಿಸುವ ಗುರಿಯನ್ನು ಹೊಂದಿದೆ. ಈ ಯೋಜನೆಯಡಿ, ಮಹಿಳೆಯರು ತಮ್ಮ ಸ್ವಸಹಾಯ ಗುಂಪುಗಳ (SHG) ಮೂಲಕ ₹5 ಲಕ್ಷದವರೆಗೆ ಬಡ್ಡಿರಹಿತ ಸಾಲ ಪಡೆದು, ಉದ್ಯಮ ಅಥವಾ ಸ್ವತಂತ್ರ ಕಾರ್ಯಾರಂಭಿಸಬಹುದು.ಉದಾಹರಣೆಗೆಬ್ಯೂಟಿ ಪಾರ್ಲರ್ ಅಥವಾ ಟೈಲರಿಂಗ್ ಉದ್ಯಮಸ್ಥಾಪಿಸಬಹುದಾಗಿದೆ. ಇದರಿಂದ ಮಹಿಳೆಯರು ಕೂಡ ಆರ್ಥಿಕವಾಗಿ ಸದೃಡರಾಗಬಹುದಾಗಿದೆ.
ಲಖಪತಿ ದೀದಿ ಯೋಜನೆ ಅನ್ನು ಭಾರತದ ಕೇಂದ್ರ ಸರ್ಕಾರವು ಮಹಿಳೆಯರ ಆರ್ಥಿಕ ಸಬಲೀಕರಣಕ್ಕಾಗಿ ಜಾರಿಗೆ ತಂದಿದೆ. ಇದರ ಮುಖ್ಯ ಉದ್ದೇಶ ಗ್ರಾಮೀಣ ಹಾಗೂ ಶಹರದ ಮಹಿಳೆಯರನ್ನು ಸ್ವಾವಲಂಬಿಗಳಾಗಿ ರೂಪಿಸುವುದು ಮತ್ತು ಉದ್ಯಮಿಗಳಿಗೆ ಪರಿವರ್ತಿಸುವುದು.
ಯೋಜನೆಯ ಉದ್ದೇಶಗಳು:
ಮಹಿಳೆಯರಿಗೆ ಉದ್ಯಮ ಆರಂಭಿಸಲು ಸಹಾಯಮಾಡುವುದು
ಸ್ವಸಹಾಯ ಸಂಘಗಳ (Self Help Groups – SHG) ಮೂಲಕ ಮಹಿಳೆಯರಲ್ಲಿ ಸ್ವಾವಲಂಬನೆಯ ಭರವಸೆ ಬೆಳೆಸುವುದು
ಗ್ರಾಮೀಣ ಭಾಗದ ಮಹಿಳೆಯರ ಆರ್ಥಿಕ ಸ್ಥಿತಿಯನ್ನು ಉತ್ತಮಗೊಳಿಸುವುದು
ಅನುದಾನ/ಸಾಲ ಸೌಲಭ್ಯ:
₹5 ಲಕ್ಷದವರೆಗೆ ಬಡ್ಡಿರಹಿತ ಸಾಲ
ಈ ಹಣವನ್ನು ಮಹಿಳೆಯರು ತಮ್ಮ ಉದ್ಯಮ ಸ್ಥಾಪನೆಗೆ ಬಳಸಬಹುದು (ಹ್ಯಾಂಡಿಕ್ರಾಫ್ಟ್, ಬೆಯುಟಿ ಪಾರ್ಲರ್, ಪೌಲ್ಟ್ರಿ, ಟೈಲರಿಂಗ್, ಡೈರಿ, ಪ್ಯಾಕೇಜಿಂಗ್ ಮುಂತಾದವು)
The PM Vishwakarma Scheme, launched by the Government of India in 2023, is a visionary initiative aimed at uplifting traditional artisans and craftsmen across the country. Named after Lord Vishwakarma, the divine architect in Hindu mythology, the scheme is dedicated to supporting individuals who have inherited and continue to practice age-old skills such as carpentry, blacksmithing, pottery, cobbling, tailoring, and other similar trades. These artisans, often forming the backbone of rural and semi-urban economies, have long been marginalized in terms of access to formal financial systems, training, and market exposure. The PM Vishwakarma Scheme is a strategic move to bridge this gap and empower these skilled individuals.
Objectives of the Scheme
The primary objective of the PM Vishwakarma Scheme is to provide holistic support to traditional artisans through a combination of financial aid, skill development, and market integration. It aims to:
Recognize artisans and craftsmen as “Vishwakarmas” by issuing them official identity and recognition.
Provide financial assistance through collateral-free loans.
Promote modern tools and techniques to enhance productivity.
Facilitate skill upgradation through formal training programs.
Support market linkages to increase earnings and reach.
By focusing on these key areas, the scheme seeks to ensure economic sustainability for artisans, promote cultural heritage, and encourage the younger generation to continue traditional crafts.
Beneficiaries and Eligibility
The scheme covers 18 traditional trades, including but not limited to:
Carpenter (Suthar)
Blacksmith (Lohar)
Goldsmith (Sunar)
Potter (Kumhar)
Cobbler (Charmakar)
Tailor (Darzi)
Mason (Rajmistri)
Barber (Naai)
Basket weaver
Doll and toy maker
Locksmith
Stone carver
Fishing net maker
To be eligible, the applicant must be:
Engaged in a traditional craft as a primary source of livelihood.
Above 18 years of age.
Not a government employee or income taxpayer.
Not availing similar benefits under other central schemes like PMEGP or MUDRA.
Applicants are verified at the local level through gram panchayats or urban local bodies and are issued a PM Vishwakarma ID card and certificate.
Key Features and Benefits
The scheme offers a comprehensive support package:
Financial Assistance: Artisans can avail a loan of up to ₹3 lakh in two tranches—₹1 lakh in the first phase and ₹2 lakh in the second—at a concessional interest rate of 5%, with government support for interest subvention.
Skill Development: Training programs are offered under the scheme, categorized as basic and advanced, to enhance existing skills or learn new techniques. A stipend of ₹500 per day is provided during the training period.
Toolkit Incentive: A one-time grant of ₹15,000 is given to each artisan to upgrade or purchase modern tools relevant to their trade.
Digital Empowerment: Artisans are assisted in digital onboarding and provided access to e-commerce platforms and digital payments, helping them reach wider markets.
Marketing Support: The government facilitates market linkages, participation in exhibitions, and branding initiatives to ensure better income generation.
Implementation and Budget
The scheme is implemented by the Ministry of Micro, Small and Medium Enterprises (MSME) in collaboration with state governments. It leverages the existing network of Skill India Mission and digital portals like Udyam and Skill India Digital.
For the financial year 2023–2024, the government allocated ₹13,000 crore for the scheme, reflecting its strong commitment to reviving India’s artisanal economy.
Conclusion
The PM Vishwakarma Scheme is a landmark step toward revitalizing traditional crafts and artisanship in India. By combining financial support, skill training, and digital empowerment, the scheme not only enhances the economic well-being of artisans but also ensures the preservation of India’s rich cultural heritage. If implemented effectively, it can transform millions of lives and inspire a new generation to take pride in their ancestral vocations.
The Government of India has launched several welfare schemes aimed at empowering women and promoting self-employment across the country. One such progressive initiative is the Free Sewing Machine Scheme, which is designed to provide free sewing machines to economically weaker women, especially those living in rural and semi-urban areas. This scheme not only supports women in gaining employment but also helps uplift entire families by promoting financial independence and self-reliance.
Objective of the Scheme
The main goal of the Free Sewing Machine Scheme is to encourage women to become self-employed by using their tailoring skills. Many women in India possess basic sewing knowledge but lack the resources to buy a sewing machine. By providing these machines for free, the government aims to bridge this gap and help women start small tailoring businesses from their homes. This initiative is part of the larger vision of promoting Atmanirbhar Bharat (Self-Reliant India) and improving the livelihood of underprivileged families.
This scheme is primarily targeted at women from low-income groups, particularly widows, physically challenged women, and those who are unemployed. The eligibility criteria generally include:
Age between 20 to 40 years
Annual family income below the threshold set by the government (usually under ₹12,000–₹15,000)
Must be a resident of India with valid identity proof
Preference given to women from Scheduled Castes, Scheduled Tribes, and Other Backward Classes (SC/ST/OBC)
Women who meet the criteria can apply through the official government website or visit local government offices or village panchayats for assistance.
Implementation and Reach
The Free Sewing Machine Scheme is implemented through various state-level agencies and NGOs under the guidance of the Ministry of Women and Child Development. Some states have also taken the lead in extending this scheme further by distributing sewing machines during local awareness programs and self-help group meetings.
As part of the process, beneficiaries are either provided with new sewing machines or vouchers which can be redeemed at authorized centers. Some programs also include basic training in tailoring and stitching, which further enhances the income-generating capability of the beneficiaries.
Impact on Society
The scheme has had a significant impact on women’s empowerment, especially in rural India. By giving women a tool to earn from home, it reduces their dependence on male family members and promotes gender equality. Women can now support their children’s education, manage household expenses, and even become contributors to the community economy.
Moreover, it encourages entrepreneurship among women. Many who start with one sewing machine eventually grow their business by taking on more clients, training other women, or starting small tailoring shops. In this way, the scheme not only helps individuals but also promotes local economic development.
Challenges and Suggestions
Despite its success, the scheme faces several challenges. In some areas, lack of awareness limits the number of applicants. Additionally, the selection process can be delayed due to bureaucratic hurdles. Some women also lack access to electricity or workspace at home, which limits their ability to fully utilize the sewing machines.
To overcome these challenges, the government can increase awareness through local campaigns, streamline the application process, and integrate additional support services like marketing guidance and financial literacy. Providing basic tailoring training to new beneficiaries can also increase their chances of success.
The Free Sewing Machine Scheme is a powerful step toward women empowerment and poverty reduction. By enabling women to generate income through their skills, it helps create a more self-reliant and inclusive society. With improved implementation and wider reach, this scheme has the potential to transform countless lives and contribute to the nation’s growth.
ಕರ್ನಾಟಕ ಸರ್ಕಾರವು 2025ರ ಕೃಷಿ ಯಾಂತ್ರೀಕರಣ ಯೋಜನೆಯಡಿ ರೈತರಿಗೆ 90% ಸಬ್ಸಿಡಿ ನೀಡುವ ಮಹತ್ವದ ಯೋಜನೆಯನ್ನು ಜಾರಿಗೆ ತಂದಿದೆ. ಈ ಯೋಜನೆಯು ರೈತರಿಗೆ ಆಧುನಿಕ ಕೃಷಿ ಯಂತ್ರೋಪಕರಣಗಳನ್ನು ಕಡಿಮೆ ವೆಚ್ಚದಲ್ಲಿ ಒದಗಿಸುವ ಮೂಲಕ ಕೃಷಿಯ ಉತ್ಪಾದಕತೆ ಮತ್ತು ದಕ್ಷತೆಯನ್ನು ಹೆಚ್ಚಿಸಲು ಉದ್ದೇಶಿತವಾಗಿದೆ.
ಯೋಜನೆಯ ಮುಖ್ಯಾಂಶಗಳ
ಸಬ್ಸಿಡಿ ವಿವರ:
ಪರಿಶಿಷ್ಟ ಜಾತಿ/ಪಂಗಡದ ರೈತರಿಗೆ (SC/ST): 90% ಸಬ್ಸಿಡಿ ಅಥವಾ ಗರಿಷ್ಠ ₹2 ಲಕ್ಷವರೆಗೆ ಸಹಾಯಧನ ಲಭ್ಯವಿದೆ.
ಸಾಮಾನ್ಯ ವರ್ಗದ ರೈತರಿಗೆ: 50% ಸಬ್ಸಿಡಿ ಲಭ್ಯವಿದೆ.
ಲಭ್ಯವಿರುವ ಯಂತ್ರೋಪಕರಣಗಳು:
ಈ ಯೋಜನೆಯಡಿಯಲ್ಲಿ ರೈತರು ವಿವಿಧ ಕೃಷಿ ಯಂತ್ರೋಪಕರಣಗಳನ್ನು ಸRaಬ್ಸಿಡಿಯೊಂದಿಗೆ ಖರೀದಿಸಬಹುದು
ಅಧಿಕೃತ ವೆಬ್ಸೈಟ್ ಅಥವಾ ಸ್ಥಳೀಯ ಕೃಷಿ ಇಲಾಖೆ ಕಚೇರಿ: ನಿಮ್ಮ ತಾಲೂಕು ಕೃಷಿ ಅಧಿಕಾರಿ ಅಥವಾ ಸಹಾಯಕ ಕೃಷಿ ನಿರ್ದೇಶಕರನ್ನು ಸಂಪರ್ಕಿಸಿ.
ಈ ಯೋಜನೆಯು ರೈತರಿಗೆ ಆಧುನಿಕ ಕೃಷಿ ಯಂತ್ರೋಪಕರಣಗಳನ್ನು ಸುಲಭವಾಗಿ ಮತ್ತು ಕಡಿಮೆ ವೆಚ್ಚದಲ್ಲಿ ಲಭ್ಯವಾಗಿಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ. ಅರ್ಹ ರೈತರು ಈ ಅವಕಾಶವನ್ನು ಬಳಸಿಕೊಳ್ಳಿ ಮತ್ತು ನಿಮ್ಮ ಕೃಷಿ ಕಾರ್ಯಗಳನ್ನು ಹೆಚ್ಚು ಪರಿಣಾಮಕಾರಿಯಾಗಿ ನಡೆಸಿ.
ಕೃಷಿ ಯಾಂತ್ರೀಕರಣ ಯೋಜನೆ (Krishi Yantrikarana Yojane) ಒಂದು ಮಹತ್ವದ ಯೋಜನೆ ಆಗಿದ್ದು, ರೈತರಿಗೆ ಕೃಷಿಯಲ್ಲಿ ಬಳಸಬಹುದಾದ ಯಂತ್ರೋಪಕರಣಗಳನ್ನು ಸಬ್ಸಿಡಿ (ಅನುದಾನ) ಜೊತೆಗೆ ಒದಗಿಸುವ ಮೂಲಕ ಕೃಷಿ ಕಾರ್ಯಕ್ಷಮತೆಯನ್ನು ಹೆಚ್ಚಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದೆ.
ಯೋಜನೆಯ ಉದ್ದೇಶ:
ಕೃಷಿಯಲ್ಲಿ ಯಾಂತ್ರಿಕ ಸಾಧನಗಳ ಬಳಕೆ ಮೂಲಕ ಕಠಿಣ ಶ್ರಮವನ್ನು ಕಡಿಮೆ ಮಾಡುವುದು
ಉತ್ಪಾದಕತೆಯನ್ನು ಹೆಚ್ಚಿಸುವುದು
ಸಮಯ ಮತ್ತು ವೆಚ್ಚವನ್ನು ಉಳಿತಾಯ ಮಾಡುವುದು
ತಾಂತ್ರಿಕ ನವೀನತೆಗಳನ್ನು ಗ್ರಾಮೀಣ ಮಟ್ಟದ ರೈತರಿಗೂ ತಲುಪಿಸುವುದು
ಲಾಭಾರ್ಥಿಗಳು:
ಸಣ್ಣ ಮತ್ತು ಸಿಮೆಂತಿ ರೈತರು
ಮಹಿಳಾ ರೈತರು
ಸಹಕಾರ ಸಂಘಗಳು / ರೈತ ಉತ್ಪಾದಕ ಸಂಸ್ಥೆಗಳು (FPOs)
ಅನುದಾನ ವಿವರ:
ಯಂತ್ರೋಪಕರಣಗಳ ಮೇಲೆ 50% ರಿಂದ 90% ರವರೆಗೆ ಸಬ್ಸಿಡಿ
ಮಹಿಳಾ ರೈತರಿಗೆ ಹೆಚ್ಚಿನ ಪ್ರಮಾಣದ ಸಬ್ಸಿಡಿ
ರಾಜ್ಯದ ವಿಧಮಾನಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಅನುದಾನ ಪ್ರಮಾಣದಲ್ಲಿ ವ್ಯತ್ಯಾಸ ಇರಬಹುದು
ದಾಖಲೆಗಳು:
ಅರ್ಜಿ ಹಾಕುವವರು ರೈತರಾಗಿರಬೇಕು
ಭೂಮಿ ದಾಖಲೆ (RTC) ಇರಬೇಕು
ಆಧಾರ್ ಕಾರ್ಡ್, ಬ್ಯಾಂಕ್ ಖಾತೆ ವಿವರಗಳು ಅಗತ್ಯ
ಕೆಲವೊಮ್ಮೆ ಸ್ಥಳೀಯ ಕೃಷಿ ಇಲಾಖೆ ಮಾನ್ಯತೆ ಬೇಕಾಗಬಹುದು
ಸಾಧನಗಳು ಮತ್ತು ಯಂತ್ರಗಳು:
ಟ್ರಾಕ್ಟರ್
ಪ್ಲೌ (ನಾಲಗೆ), ತಿವಳಿ, ಹಾರ್ವೆಸ್ಟರ್
ಬೀಜ ಬಿತ್ತಣ ಯಂತ್ರಗಳು
ಸ್ಪ್ರೇ ಪಂಪುಗಳು
ಸಸ್ಯ ಸಂರಕ್ಷಣಾ ಉಪಕರಣಗಳು
ಟಿಲ್ಲರ್, ಪವರ್ ವೀಡರ್ ಇತ್ಯಾದಿ
ಅರ್ಜಿ ಪ್ರಕ್ರಿಯೆ
ಆನ್‌ಲೈನ್ ಅರ್ಜಿ: ಈ ವೆಬ್ಸೈಟ್ ಮೂಲಕ ಅರ್ಜಿಯನ್ನ ಸಲ್ಲಿಸಬಹುದು
ಆಫ್‌ಲೈನ್ ಅರ್ಜಿ: ಸ್ಥಳೀಯ ತಹಶೀಲ್ದಾರ್ ಕಚೇರಿ ಅಥವಾ ಕೃಷಿ ಅಧಿಕಾರಿ ಕಚೇರಿಯಲ್ಲಿ
ಅವಶ್ಯಕ ದಾಖಲೆಗಳು:
ಆಧಾರ್ ಕಾರ್ಡ್
ಭೂಮಿಯ RTC
ಬ್ಯಾಂಕ್ ಪಾಸ್‌ಬುಕ್ ಪ್ರತಿ
ಪಾಸ್‌ಪೋರ್ಟ್ ಫೋಟೋ
ಅಧಿಕೃತ ವೆಬ್ಸೈಟ್ ಗೆ ಬೇಟಿ ನೀಡಲು ಇಲ್ಲಿ ಕ್ಲಿಕ್‌ ಮಾಡಿClick Now
ಮಹಿಳೆಯರಿಗೆ ಉಚಿತ ಹಾಗೂ ಅತ್ಯಾಧುನಿಕ ಎಲೆಕ್ಟ್ರಿಕ್ ಸ್ಕೂಟರ್ ವಿತರಣೆಗೆ ಅರ್ಜಿ ಆಹ್ವಾನಿಸಲಾಗಿದೆ. ಶಕ್ತಿ, ಸ್ವಾವಲಂಬನೆಯನ್ನು ಗುರಿಯಾಗಿಟ್ಟುಕೊಂಡು, ಆಸಕ್ತ ಹಾಗೂ ಅರ್ಹ ಮಹಿಳೆಯರು ಈ ಶೋಭಾನ್ವಿತ ಯೋಜನೆಯಿಂದ ಲಾಭಗಳನ್ನು ಪಡೆಯಲು ಅರ್ಜಿ ಸಲ್ಲಿಸಬಹುದು. ಈ ಅವಕಾಶವನ್ನು ಕೈಬಿಡದೆ ಸಂಪೂರ್ಣ ಮಾಹಿತಿಯನ್ನು ಇಲ್ಲಿ ಪರಿಶೀಲಿಸಿ…
ಹೊಸ ಕಲ್ಯಾಣ ಯೋಜನೆ: ಮಹಿಳೆಯರ ಆರ್ಥಿಕ ಸ್ವಾವಲಂಬನೆಗೆ ಹೊಸ ದಾರಿ
ಬೆಂಗಳೂರು ಮಹಾನಗರದಲ್ಲಿ ಸಾವಿರಾರು ಮಹಿಳೆಯರು ಪ್ರತಿದಿನವೂ ದುಡಿಮೆಗೆ ಹೊರಟು ಬರುತ್ತಾರೆ—ಗಾರುಮೆಂಟ್ ಉದ್ಯೋಗಿಗಳು, ಪೌರ ಕಾರ್ಮಿಕರು, ಗೃಹ ಸೇವೆ ಕಾರ್ಯಕರ್ತೆಯರು, ಅಂಗಡಿಗಳಲ್ಲಿ ಕೆಲಸ ಮಾಡುವ ಮಹಿಳೆಯರು ಮತ್ತು ಇತರೆ ಹಲವರು ಕಡಿಮೆ ಆದಾಯದಲ್ಲಿ ಕಷ್ಟಪಡುವುದರಿಂದ ಜೀವನ ಸಾಗಿಸುತ್ತಿದ್ದಾರೆ. ಇಂತಹ ದುಡ್ಡಿನ ಕೊರತೆ ಇರುವ ಮಹಿಳೆಯರಿಗೆ ಶಕ್ತಿಯುತ ಬೆಂಬಲ ನೀಡಲು ಬಿಬಿಎಂಪಿ ಹೊಸ ಕಲ್ಯಾಣ ಯೋಜನೆ ಪ್ರಾರಂಭಿಸಿದೆ.
ಈ ಯೋಜನೆಯ ಮುಖ್ಯ ಉದ್ದೇಶವು ಆರ್ಥಿಕವಾಗಿ ಹಿಂದುಳಿದ ಮಹಿಳೆಯರಿಗೆ ಸ್ವಂತ ವಾಹನ ಹೊಂದಲು ಅಗತ್ಯವಿರುವ ಸಹಾಯವನ್ನು ಪೂರೈಸುವುದು. ಇದರಿಂದ ಮಹಿಳೆಯರು ತಮ್ಮ ಜೀವನದ ಎಲ್ಲಾ ಹಂತಗಳಲ್ಲಿ ಸ್ವಾವಲಂಬಿಯಾಗುವ ಮೂಲಕ, ಅವರ ಕುಟುಂಬಗಳ ಸಮಗ್ರ ಬೆಳವಣಿಗೆಗೆ ಸಹಕರಿಸಬಹುದು. ಇಂತಹ ಉದಾರ ಯೋಜನೆಗಳು ಮಹಿಳೆಯರಿಗೆ ಆತ್ಮವಿಶ್ವಾಸವನ್ನು ತರುವುದರೊಂದಿಗೆ, ಅವರನ್ನು ಶಕ್ತಿಶಾಲಿಯಾಗಿ ಮತ್ತು ಸ್ವಾವಲಂಬಿಯಾಗಿಸಲು ದೊಡ್ಡಹೊಂದಿವೆ.
ಅರ್ಹ ಅಭ್ಯರ್ಥಿಗಳು:
ಗಾರ್ಮೆಂಟ್ಸ್ ಉದ್ಯೋಗಿಗಳು
BBMP ಪೌರ ಕಾರ್ಮಿಕರು
ಉದ್ಯೋಗಸ್ಥ ಮಹಿಳೆಯರು
ದಾಖಲೆಗಳು:
ಆಧಾರ್ ಕಾರ್ಡ್ ಜೆರಾಕ್ಸ್
ಬ್ಯಾಂಕ್ ಪಾಸ್ ಬುಕ್ ಜೆರಾಕ್ಸ್
ಪಾಸ್‌ಪೋರ್ಟ್ ಫೋಟೋ
ಜಾತಿ ಮತ್ತು ಆದಾಯ ಪ್ರಮಾಣ ಪತ್ರ ಜೆರಾಕ್ಸ್
ರೇಷನ್ ಕಾರ್ಡ್ ಜೆರಾಕ್ಸ್
ವಾಸ ದೃಢೀಕರಣ ದಾಖಲೆ (ಉದಾ: ವಿದ್ಯುತ್ ಬಿಲ್/ರೇಷನ್ ಕಾರ್ಡ್)
ವಯಸ್ಸು ದೃಢೀಕರಿಸುವ ದಾಖಲೆ (SSLC ಮಾರ್ಕ್ಸ್ ಕಾರ್ಡ್ ಜೆರಾಕ್ಸ್, ಜನನ ಪ್ರಮಾಣ ಪತ್ರ ಮುಂತಾದವು)
ಅರ್ಜಿ ಸಲ್ಲಿಕೆ ವಿಧಾನ:
ಮೇಲ್ಕಂಡ ದಾಖಲೆಗಳನ್ನು ಸಿದ್ಧಪಡಿಸಿ, ಕೆಳಗಿನ ಲಿಂಕ್‌ನಲ್ಲಿ ನೀಡಲಾಗಿರುವ ಅರ್ಜಿ ನಮೂನೆಯನ್ನು ಡೌನ್‌ಲೋಡ್ ಮಾಡಿ ಮತ್ತು ಅದನ್ನು ಅಂದಾಜಿಸಿದಂತೆ ಭರ್ತಿ ಮಾಡಿ. ಎಲ್ಲಾ ದಾಖಲೆಗಳ ಸ್ವ-ದೃಢೀಕರಿತ ಪ್ರತಿಗಳನ್ನು ಸಂಗ್ರಹಿಸಿ, ನಿಮ್ಮ ಅತಿ ಉತ್ಸಾಹಪೂರ್ಣ ಅರ್ಜಿಯನ್ನು ಬಿಬಿಎಂಪಿ ಸಹಾಯಕ ಕಂದಾಯ ಅಧಿಕಾರಿ (ಕಲ್ಯಾಣ ವಿಭಾಗ) ಕಚೇರಿಗೆ ನೇರವಾಗಿ ಸಲ್ಲಿಸಿ.
