The Kerala government introduced the KESRU Scheme to help unemployed individuals build their own income sources through small businesses. Instead of waiting for a job opening, this scheme gives applicants a chance to start their own business with financial support.
Under the KESRU Scheme, eligible candidates can receive a bank loan of up to ₹1,00,000 to start a small business or self-employment venture. The government reimburses up to 20 percent of the loan amount as a subsidy through the Employment Department. This means you do not have to make any personal contribution to avail this loan. This feature makes KESRU one of the most helpful self-employment loan schemes in Kerala.
Key Features of the KESRU – Kerala Self Employment Scheme
Here are the main points to know before applying:
- Applicants can get a bank loan of up to ₹1,00,000 to start their business.
- A spouse or parent can be the guarantor.
- Students are not eligible for the KESRU Scheme.
- Beneficiaries will not receive unemployment dole but will still be considered for regular job vacancies.
- Employment Exchange Officers will monitor whether the loan amount is used only for the approved self-employment activity.
- Application forms are available free of cost in all Employment Exchanges in Kerala.
The scheme aims to encourage unemployed youth to become self-reliant and start their own small businesses.
Eligibility Criteria for the KESRU Loan
To apply for the Kerala Self Employment Scheme, the following conditions must be met:
- The applicant must be between 21 and 50 years of age.
- The annual family income must be less than ₹1,00,000.
- The business project should match the applicant’s skills or qualification.
- Students cannot apply for the scheme.
- The applicant must be unemployed and registered at the Employment Exchange.
These criteria ensure the scheme reaches the right beneficiaries who genuinely need financial support for self-employment.
Documents Required for the KESRU Scheme
Applicants must submit the following documents:
- Identity proof
- Income Certificate from the Village Office
- Project report or business plan
- Qualification certificate
- Passport-size photographs
Among all these documents, the project report is the most important. Banks use it to evaluate the feasibility and financial viability of the proposed business. A strong and well-prepared project report increases your chances of loan approval because it shows the bank that your plan is practical and sustainable.
Many applicants lose opportunities due to incomplete or poorly written project reports, which is why preparing a proper business project report is essential for any government loan or bank loan.
How to Apply for the KESRU – Kerala Self Employment Scheme
Follow these steps to apply for the KESRU loan:
- Visit your nearest Employment Exchange Office.
- Collect and fill out the KESRU application form.
- Attach all required documents, including your project report.
- Submit the form at the Employment Exchange.
- The District Employment Office will verify the details in your application.
- Once verified, the application is forwarded to the District Committee.
- The loan will be sanctioned through nationalized banks, district cooperative banks, scheduled banks, or KSFE based on the committee’s approval.
The process is simple and straightforward when you have all the necessary documents prepared correctly.
Why a Good Project Report Matters for KESRU
Many people search for topics like project report for bank loan, project report format, business project report for government loan, and project report for self-employment schemes. This is because the project report plays a major role in getting any loan approved.
A good project report:
- Increases the chances of getting your KESRU loan approved
- Helps banks understand your business model
- Provides a clear breakdown of costs, investment, and expected income
- Shows the financial feasibility of your business
- Makes the sanctioning process faster
- Helps government authorities evaluate your subsidy eligibility
A poorly prepared project report can delay your loan or even lead to rejection.
Create Your KESRU Project Report Easily with Finline
If preparing a detailed project report feels challenging, Finline makes it simple. You can create a clear, complete, and bank-ready project report in less than 10 minutes. The platform allows you to prepare your project report in your own language, and the reports are accepted by all public and private sector banks across India.
Finline helps applicants avoid common mistakes in formatting, financial projections, and feasibility calculations, ensuring your KESRU loan application has a higher chance of approval.
Start preparing your KESRU project report with Finline and take the first confident step toward launching your business.
