Tamil Nadu Mudhalvarin Kakkum Karangal Scheme

Scheme Introduction: A Brief Overview

• The Chief Minister of Tamil Nadu, Thiru M.K. Stalin, has launched a dedicated welfare initiative for ex-servicemen and their families called the "Mudhalvarin Kakkum Karangal Scheme".
• The name of the scheme translates to "Protecting Hands", symbolising care and support.
• The core aim of this scheme is to help ex-servicemen and their dependents to set up self-employment ventures by offering financial and institutional support.
• The scheme is implemented by the Department of Ex-Servicemen's Welfare, Government of Tamil Nadu.
• Under the Mudhalvarin Kakkum Karangal Thittam, eligible ex-servicemen, their widows, and dependents can avail business loans of up to Rs. 1 crore to start their entrepreneurial journey.
• To make these loans more accessible, the Tamil Nadu Government offers a capital subsidy of 30% on the sanctioned amount of loan.
• In addition, beneficiaries are also eligible for a 3% interest subvention, further reducing their repayment burden.
• The scheme is exclusively designed for ex-servicemen, widows of ex-servicemen, dependent sons and daughters including unmarried and separated daughters.
• Applicants who are already availing benefits under the following schemes are not eligible to apply for Tamil Nadu Government's Mudhalvarin Kakkum Karangal Scheme :-
  • Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PMFME)
  • Prime Minister Employment Generation Programme (PMEGP)
  • Annal Ambedkar Business Champions Scheme (AABCS)
  • Unemployed Youth Employment Generation Programme (UYEGP)
  • New Entrepreneur cum Enterprise Development Scheme (NEEDS)
  • Bank Loan Interest Subsidy Scheme (BLISS)
• Eligible applicants must register online through the official website of the Department of Ex-Servicemen's Welfare, Tamil Nadu to apply for Mudhalvarin Kakkum Karangal Scheme.
• Once submitted, each application will be carefully reviewed by a designated committee.
• The names of selected beneficiaries will then be forwarded to lending banks for verification.
• After successful verification, the subsidy amount will be directly credited to the bank account of the eligible ex-serviceman or dependent.
• Contact the District Ex-Servicemen Welfare Board for any help or assistance.

Scheme Benefits

• Loan facility available for starting a business activity.
• Maximum up to Rs. 1 crore loan will be provided for business.
• The Government will provide a 30% capital subsidy on the approved loan amount
• An additional benefit of 3% interest subvention will also provided.

Eligibility Requirement

• The applicant must belong to any one of the following categories:
  • Ex-Servicemen
  • Ex-Servicemen Widows.
  • Dependent daughters and sons.
  • Unmarried or separated daughters.
• Ex-Servicemen and their dependents must be Tamil Nadu's permanent residents.'
• There is no income eligibility condition for this scheme
• If the son of ex-servicemen is above 25 years, then the ex-serviceman should apply as the primary applicant, and the son can be added as a co-applicant
• Applicants must not already be beneficiaries of PMFME, PMEGP, NEEDS, UYEGP, AABCS, or BLISS schemes

Required Documents

• Nativity Certificate of Tamil Nadu.
• Aadhaar Card.
• Documents related to Land.
• Age Proof.
• Project Report.
• Disachrge Book.
• Mobile Number.
• Email.
• Bank Details.
• Passport Size Photo.
• Exservicemen Card.
• Dependent Card.

Steps to Apply

• Eligible Ex-servicemen and their dependents can submit applications online for business loans and subsidies under the Tamil Nadu Government's Mudhalvarin Kakkum Karangal Scheme.
• The online application form for the Mudhalvarin Kakkum Karangal Scheme is available on Department of Ex-Servicemen's Welfare Website.
• Visit the official website and click on Registration of Mudhalvarin Kakkum Karangal Scheme.
  
• Next, select Applicant and click on Login.
• The applicant must log in using their registered mobile number.
• After login, the application form will open, where the applicant has to provide fill the below mentioned information in Mudhalvarin Kakkum Karangal Scheme Form :-
  • Personal Details.
  • Address Details.
  • Project Details.
  • Lending Bank Details.
  • Upload Documents.
  • Upload Land and Project related document.
• Check the filled details and click on submit button to submit the Application for Mudhalvarin Kakkum Karangal Scheme.
• The submitted application will be reviewed by the committee.
• The committee will shortlist eligible ex-servicemen and dependents for the subsidy benefit on the business loan under the Tamil Nadu Government's Mudhalvarin Kakkum Karangal Scheme.
• The list of selected beneficiaries will then be sent to the lending bank for verification.
• Finally, the subsidy amount under the Mudhalvarin Kakkum Karangal Scheme will be directly transferred to the beneficiary's account.

Relevant Link

• Tamil Nadu Mudhalvarin Kakkum Karangal Scheme Guidelines.
• Tamil Nadu Department of Ex-Servicemen Welfare Portal.

Contact Information

• Contact Numbers of Department of Ex Servicemen Welfare :-
  • 044-26691747.
  • 9498371342.
  • 044-26691747.
• Email of Department of Ex-Servicemen Welfare :- exweldte@tn.gov.in.