Karnataka government schemes :
1.Chief Minister Self Employment Scheme (CMEGP)
CMEGP Details & Eligibility Criteria
- Individual entrepreneurs in rural areas can avail margin money or govt. subsidy ranging from 25% to 35% of total project cost.
- Under CMEGP, the maximum allowed project cost is Rs. 10 lakh for any single unit.
- Availability of the capital expenditure loan will be only or manufacturing and service activities only.
- All general category entrepreneurs can avail subsidy upto Rs. 2.5 lakh while entrepreneurs belonging to SC /ST / OBC / PH / Women / Minorities category can avail subsidy upto Rs. 3.5 lakh.
- Pubic sector banks and Regional rural banks (RRB) are the financial agencies to provide margin money to entrepreneurs.
- The entrepreneurs must fulfill the age criteria to become eligible for CMEGP. For general category candidates, the age must lie between 21 to 35 years while for special category candidates, the specified age group is 21 to 45 years.
- Entrepreneurship Development Training (EDP) to the beneficiary is compulsory at CEDOK – Centre for Entrepreneurship Development of Karnataka or at RUDSET – Rural Development & Self Employment Training.
- Only one unit can be setup by a family to get assistance under CMEGP in order to provide benefits to a large number of families.
- The govt. subsidy is available only for a single new unit which is setup in rural area with a lock-in period of 3 years and even there is no income limit.
- General category beneficiaries needs to contribute 10% of the total project cost while the special category beneficiary entrepreneurs needs to contribute 5% of the project cost.
2. Karnataka Unnati Scheme 2018 to Fund Startups :
The state govt. has launched Unnati scheme to provide funds upto Rs. 50 lakh to technology startups run by SC / ST entrepreneurs and those startups which possess a product or solution with rural focus. The beneficiaries would be categorized into 2 categories:-
- First Category– Those startups where SC / ST entrepreneurs have substantial stake with hands on-role in management. For this category, there is only 1 criteria which is that the idea has to be good enough regardless of the sector.
- Second Category– This includes all those startups which can be run by any community, but the idea must be a satisfactory one. The idea must be working to solve a real world problem in areas such as health, education, sanitation, waste segregation, and mechanised scavenging (replacement of manual scavenging) in rural areas.
The invention of these startups must have a lasting social impact and must bring change in the life of citizens.
3. Ayushman Bharat – Arogya Karnataka Health Scheme (PM-JAY)
Karnataka cabinet has decided to implement integrated Ayushman Bharat-Arogya Karnataka Yojana in the state. Arogya Karnataka scheme has 1,516 procedures and Ayushman Bharat – National Health Protection Mission (AB-NHPM) has 1,349 procedures. By integration of these 2 schemes, the total number of procedures would become 1,628. The important features and highlights of this AB-Arogya Karnataka Yojana are as follows:-
- Financial assistance for BPL families– For BPL beneficiaries, the financial assistance under Arogya Karnataka was Rs. 2 lakh p.a. This amount has now been increased from Rs. 2 lakh to Rs. 5 lakh per family per year under Ayushman Bharat – Arogya Karnataka integrated health scheme.
- Financial assistance for APL families– For APL beneficiaries, the financial assistance would still remain Rs. 1.5 lakh per family per annum. In case of emergency tertiary treatment, if a family member is suffering from acute illness then an additional amount of Rs. 50,000 would be given. For APL / General families who are not covered under NFSA 2013, financial assistance of 30% would be given.
- Budgetary Allocation– Ayushman Bharat – Arogya Karnataka is estimated to cost Rs. 1,000 crore. In this cost, the central govt. will bear Rs. 286 crore while the remaining amount 714 crore would be borne by the state government.
- Type of care covered– AB-Arogya Karnataka Yojana will cover beneficiaries for specified secondary care, emergency care, complex secondary care and tertiary care.
Ayushman Bharat Yojana covers all the people whose name appears in Socio-Economic Caste Census (SECC) data 2011. This yojana entitle people to avail cashless and paperless treatment of Rs. 5 lakh for secondary and tertiary hospitalization.
No. of Beneficiaries under Arogya Karnataka – PM Jan Arogya Yojana
In Karnataka, there are around 62 lakh families which are identified from SECC-2011 data under Rashtriya Swasthya Bima Yojana (RSBY), govt. will provide 60% of expenditure and 40% will be borne by the state government. Under Arogya Karnataka Yojana, the state govt. is already providing health care to 1.15 crore BPL families and 19 lakh APL families totalling to 1.34 crore families.
Under Ayushman Bharat – Arogya Karnataka Health Scheme, central govt. will bear 60% of expenditure for 62 lakh RSBY families and 40% would be borne by the state government. For remaining 72 lakh families, the state govt. will bear 100% of the total expenditure incurred.
4. Poushtika Karnataka Yojana under Poshan Abhiyan (National Nutrition Mission)
The state govt. of Karnataka will launch Poushtika Karnataka Yojana under National Nutrition Mission (Poshan Abhiyan) of the central government. Malnutrition and stunted growth always remain a concern among children where 46% of women in Karnataka were anaemic. The main aim of this programme was to provide strategic intervention in children and women welfare. This programme will cover various schemes which includes:-
- Integrated Child Development Services (anganwadis)
- Mathrupoorna (one full meal programme)
- Srushti scheme (providing eggs to children)
- Ksheera Bhagya (milk)
- Janani Suraksha Yojana
- Janani Shishu Suraksha Karyakram
Poushtika Karnataka programme also see inter-departmental collaboration between the State Women and Child Development, Health and Family Welfare and Rural Development and Panchayat Raj. For real-time monitoring, a mobile application named SNEHA will be used where anganwadi workers can fill information related to ICDS services and its impact on nutrition outcomes.
5. Karnataka Mathrushree Scheme 2018 – Rs. 6000 Maternity Benefit Scheme
The important features and highlights of this Mathrushree Scheme are as follows:-
- The state govt. will provide Rs. 6,000 to all the pregnant mother from BPL Families.
- This amount would be given in 6 installments at Rs. 6,000 p.m.
- will start implementing this scheme from 1 November 2018 with an outlay of Rs. 350 crore.
- This scheme will remain applicable only to the first two babies. Mothers having their 3rd baby will not be eligible for this scheme.
- will transfer this amount directly through DBT.
All the pregnant mothers from poor families will be benefited from this scheme and this amount will assist them while their delivery.
6. Sandhya Suraksha Yojana – Monthly Pension for Senior Citizens
In Karnataka Budget 2018-19, HD Kumaraswamy has also announced that Sandhya Suraksha Yojana 2018. Govt. will increase the monthly pension from Rs. 600 to Rs. 1,000 from 1 November 2018 for the next 5 years. This scheme will benefit a total number of 32.92 lakh senior citizens. Govt. has allotted a budgetary provision of Rs. 660 crore for this scheme to the Revenue department.
All the senior citizens earning upto Rs. 20,000 per annum and who are currently not availing any other benefits like family pension, widow pension, physically handicapped pension and old age pension are eligible. This scheme will particularly benefit small farmers, marginal farmers, agricultural labourers, weavers, fishermen, labourers from unorganised sectors (excluding building and other construction workers).
7. Shrama Samarthya Scheme for Construction Workers in Karnataka
The state government of Karnataka is going to introduce Shrama Samarthya scheme in the state. The objective of the scheme is to provide various benefits to the construction workers in Karnataka. The beneficiaries will get a toolkit under the scheme. This scheme will help to enhance the skills of construction workers.
8. Karnataka Badavara Bandhu One Day Loan Scheme for Street Vendors / Small Traders
CM H.D. Kumaraswamy had promised to free urban poor people including Street Vendors, Small Traders and Footpath Hawkers from the “fleecing clutches of money lenders”. They provide loans at interest rate ranging from 2% to 10% interest per day. The state govt. has finalized a Badavara Bandhu – One Day Loan Scheme to provide loans upto Rs. 1,000 without interest or nominal interest. Badavara Bandhu Scheme is going to be formally announced soon.
Private money lenders takes advantage of poor footpath vendors, small-time traders and exploits them. These people requires working capital on a day to day basis. Street Vendors / Small-Time Traders / Footpath Hawkers have to pay higher interest rate of 10% per day. Vendors takes these loans in the morning and has to return them in the evening. 10% interest is deducted along with the lending amount itself. This proposed Badavara Bandhu One Day Loan Scheme will provide a huge relief for these small-time vendors.
Necessary infrastructure to implement the new loan scheme is being created. This scheme will lure huge low-rung business community and footpath vendors. Now all the Street Vendors who requires single day loan can go to these mobile banks and deposit their Identity Card, Aadhar Card, PAN Card, Driving Licence early in the morning. These vendors can repay the loan by evening after the day sales and retrieve their identity card.
In case the vendor fails to repay the loan in the evening, then their ID Card will be retained till the time loan is repaid. This will also blacklist the person for further day loans anywhere in the state. Recently the state govt. has waived off all crop loans of farmers taken from co-operative banks, regional rural banks and nationalised banks. CM has unveiled a mechanism to deliver on promise of Farmer Loan Waiver Scheme and is now reaching out to pushcart vendors, footpath hawkers.
9. Ganga Kalyan Scheme
Lift Irrigation Scheme – Eligibility
This type of irrigation facility is given to the agricultural land through efficient utilization of perennial water sources like rivers. To provide adequate water supply for irrigation, water if lifted through pipe lines. The candidates applying for Lift Irrigation facility must fulfill the following eligibility criteria to avail benefits under Ganga Kalyana Yojana 2018:-
- All the beneficiaries must belong to the minority community as per the government order.
- Applicant must be a permanent resident of Karnataka.
- Candidates must be a small or marginal farmer.
- The annual family income of the farmers from all sources must not exceed Rs. 22,000 p.a
Farmers having less than 5 acres of land in addition to the precondition that the land of 7 minority persons is adjacent can avail Lift Irrigation Scheme benefits under Ganga Kalyana Scheme 2018.
Individual Borewell – Eligibility for Ganaga Kalyana Scheme 2018
In case of non-availability of perennial water sources to irrigate land, KDMC provides subsidy for individual borewells construction. Expert geologists identify water points inside the ground appropriate for construction of borewell. KDMC then maintains these borewells for 5 years and then transfers them to consumer co-operatives of beneficaries.
For farmers having land holding between 2 to 5 acres, KDMC will drill a single borewell / open well and supply pump sets. This scheme cost Rs. 1,50,000 per beneficiary which also includes the pump and energization cost. The eligibility criteria is same as mentioned above.
10. Raita Belaku Scheme – Details
The important features and highlights of this scheme are as follows:-
- Subsequently, this scheme will encourage and empower dry land farmers along with their economic independence as they can generate additional income.
- Accordingly, the state govt. has allotted Rs. 3500 crore for the successful implementation of this scheme.
- This scheme will cover around 64 hectares land which makes it the biggest national programme in terms of area coverage.
- Moreover, Raita Belaku is also the biggest scheme in terms of number of farmers benefited. Accordingly, this scheme will benefit approx. 70 lakh Dry Land Farmers.
- Furthermore, this Raita Belaku Scheme is going to generate guaranteed Rs. 5000 to Rs. 10000 per hectare income for the farmers.