Benefit Amount
Loans up to ₹5 lakh + skill trainingLoan
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Kudumbashree — Kerala Women SHG
Kudumbashree is Kerala's flagship women empowerment program that brings women together into self-help groups (SHGs) to achieve financial independence. Members can borrow microfinance loans up to ₹5 lakh to start or expand small businesses, and receive free skill training in various trades like tailoring, food processing, and handicrafts. The program creates a supportive community where women help each other succeed economically while building strong social networks. To apply, women aged 18-60 need to join or form an SHG in their locality and visit the Kudumbashree office with their Aadhaar card and bank account details.
Ministry
Local Self Government
✓Who Is Eligible?
Kudumbashree welcomes all women in Kerala who meet the basic eligibility criteria. You must be aged between 18 and 60 years old to join the program. There are no restrictions based on income level, caste, or social category, making this program truly inclusive for all women. You must be a resident of Kerala to participate, and you need to be willing to join or form a self-help group with other women in your locality. The program does not have any occupation-based restrictions, meaning women from any profession or background can apply. You will need to have a valid Aadhaar card for identification purposes and an active bank account where loan amounts and any financial benefits can be transferred. Being part of or forming an SHG is essential, as the entire program works through these self-help groups that provide both financial and social support. There are no restrictions based on education level, marital status, or previous business experience. Whether you are a homemaker, student, working woman, or self-employed individual, you can participate in Kudumbashree. For specific details about any additional local requirements, contact your nearest Kudumbashree office or visit https://kudumbashree.org.
Quick eligibility check:
✓
Category: General, OBC, SC, ST📝How to Apply for Kudumbashree — Kerala Women SHG
Applying for Kudumbashree is a simple process that any eligible woman can complete in a few steps. First, check if there is already a self-help group (SHG) operating in your locality, or decide to form a new one with other women from your area. Second, gather the required documents which include your Aadhaar card and bank account details. Third, visit your nearest Kudumbashree office in your district or locality during working hours. Fourth, submit your application along with the required documents and provide proof of SHG membership or membership request. Fifth, the office staff will verify your details and process your application. Sixth, once approved, you will receive information about available loan amounts up to 5 lakh rupees and skill training programs you can join. You can find your nearest Kudumbashree office and get more information by visiting the official website at https://kudumbashree.org. The entire process is designed to be accessible, so do not hesitate to ask the office staff for help if you have any questions about completing your application.
Visit Official Portal →📄Documents Required3 required
?Frequently Asked Questions
1How do I join Kudumbashree and form an SHG?
To join Kudumbashree, you need to connect with 4-10 other women in your neighborhood and approach your local Kudumbashree office or Gram Panchayat. They will help you register as a Self-Help Group (SHG). Each member needs to provide basic documents like Aadhaar card and bank account details. Once registered, you become eligible for loans and training programs.
2What is the loan process and how long does it take to get ₹5 lakh?
Kudumbashree provides loans in phases. New SHGs typically start with smaller loans (₹10,000-₹25,000) based on group savings and creditworthiness. After demonstrating repayment capacity and group stability over 6-12 months, you can access higher amounts up to ₹5 lakh. The loan is approved by the bank partner and disbursed within 2-4 weeks of application.
3What types of skill training are available and is it really free?
Kudumbashree offers free skill training in various trades including tailoring, food processing, beautician work, handicrafts, agriculture, and small business management. Training is conducted by certified trainers at local training centers. Yes, it is completely free for SHG members, and some programs even provide certificates that help in employment or starting businesses.
4Can I get both a loan and skill training together?
Yes, you can access both benefits. Many women first take skill training to develop expertise in a trade, then apply for a loan to set up their business. However, you don't need to complete training before applying for a loan—you can pursue both simultaneously based on your needs.
5What happens if I cannot repay the loan?
Kudumbashree works on a peer-lending model where SHG members collectively ensure repayment. The group provides support to members facing difficulties. However, consistent non-repayment can affect the entire group's credit rating and future loan eligibility. It's important to borrow only what you can reasonably repay through your business.
📖 Read the Complete Guide
Get a detailed step-by-step walkthrough with tips, common mistakes to avoid, and expert guidance for Kudumbashree — Kerala Women SHG.
Read Full Guide →🔗Related Women & Child Schemes