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Kerala Government Schemes

List of 40 Kerala government schemes — benefits, required documents and how to apply. Check your eligibility free.

Karunya Arogya Suraksha Padhathi (KASP) — ₹5 Lakh/year cashless treatment at empanelled hospitals
Karunya Benevolent Fund (KBF) — Up to ₹2 Lakh assistance for catastrophic illness & rare diseases
LIFE Mission (Livelihood & Inclusion for Families) — Free house worth ₹4 – ₹6 Lakh for landless / homeless families
Kudumbashree Women Micro-Enterprise Scheme — Subsidized loans ₹15,000–₹5 Lakh + livelihood training for women SHGs
Kerala Social Security Pension (Old Age / Widow / Disability) — ₹1,600/month for eligible senior citizens, widows & persons with disability
Kerala Karshaka Welfare Fund Scheme — Accident/death insurance ₹1 Lakh + pension ₹1,200/month for registered farmers
Kerala Matsyafed / Fishermen Welfare Scheme — Accident insurance ₹2 Lakh + saving-cum-relief of ₹600/month during lean season
Snehapoorvam Scholarship (Orphan / Single Parent) — ₹3,000 – ₹14,000/year for children of widows, widowers, or orphans
Kerala State Merit-cum-Means Scholarship — ₹4,000 – ₹12,000/year for meritorious students from low-income families
ASAP Kerala — Additional Skill Acquisition Programme — Free skill certification in IT, communication & soft skills for Class 8–Degree students
Kerala Building & Construction Workers Welfare (BOCW) — Pension ₹1,500/month + ₹20,000 maternity + scholarship for children + ₹2 Lakh accident cover
Kerala Labour Welfare Fund Board Scheme — Education grant ₹4,000–₹25,000 + housing loan ₹2 Lakh + medical assistance for workers
Kerala Unemployment Assistance Scheme (Karmasena) — ₹500–₹1,000/month allowance for educated unemployed youth registered in employment exchange
KSUM Startup Seed Fund & Incubation Support — Seed funding up to ₹10 Lakh + free co-working space + mentoring for tech startups
KSCDC Subsidized Loan for SC/ST Entrepreneurs — Loans ₹50,000–₹5 Lakh at 4–6% interest for self-employment and business for SC/ST
KSWDC Women Entrepreneur Loan & Training — Loans ₹50,000–₹3 Lakh at 4% interest + free entrepreneurship training for women
Kerala Maternity Benefit Scheme (Shops & Establishments) — 26 weeks paid maternity leave + ₹3,500 medical bonus for women in organised sector
Vidyakiranam Scholarship (Differently-Abled Students) — ₹400–₹700/month scholarship for students with ≥40% disability studying in Govt. schools
Kerala State Minority Welfare Scholarship — ₹10,000–₹24,000/year for Muslim, Christian, Sikh, Jain & Zoroastrian students
Haritha Keralam Mission (Organic Farming Support) — ₹15,000/hectare incentive for organic farming + free organic inputs + training
Kerala ST Welfare Scholarship & Free Hostel Scheme — ₹500–₹1,500/month scholarship + free hostel for Scheduled Tribe students
Chief Minister's Special Scholarship (Foreign Studies) — Up to ₹10 Lakh one-time grant for meritorious BPL/low-income students to study abroad
Pratibha Scholarship (Class 10 State Toppers) — ₹1,000/month for Class 11–12 and ₹1,200/month for Degree for top SSLC scorers
Rubber Replanting Subsidy Scheme (RRSS) — ₹20,000–₹27,000/hectare subsidy for replanting aged rubber trees + free planting material
CDB Coconut Replanting & Rejuvenation Scheme — ₹75/palm seedling subsidy + ₹4,000 input assistance per hectare for replanting old coconut palms
Kerala Agricultural Workers Welfare Fund (KGLPS) — Pension ₹1,150/month + gratuity ₹50,000 + medical ₹5,000/year for farm labourers
NORKA Pravasi Welfare Fund & Rehabilitation Loan — Loan up to ₹2 Lakh at 7% + pension ₹2,000/month for returned NR Keralites in distress
KVIB Artisan & Handloom Worker Welfare Scheme — Insurance ₹2 Lakh + pension ₹1,000/month + tool kit grant ₹5,000 for registered artisans
Kerala Destitute / Widow Financial Assistance Scheme — One-time ₹30,000 marriage assistance for widows + ₹500/month relief to destitute women
Kerala Palliative Home Care Programme — Free home-based nursing, medicines & physiotherapy for bedridden / cancer / chronic illness patients
KSHB EWS / LIG Housing Loan Scheme — Home loans at 5–7% interest up to ₹10 Lakh for EWS/LIG families with no collateral
Vayomithram — Mobile Geriatric Health Clinic — Free home-visit health checkups, medicines & physiotherapy for senior citizens aged 60+
Kerala Head Load Workers Welfare Fund Scheme — Pension ₹1,200/month + accident benefit ₹2 Lakh + gratuity ₹60,000 for registered head load workers
Kerala Motor Transport Workers Welfare Scheme — Pension ₹1,500/month + housing loan ₹2 Lakh + accident benefit ₹2 Lakh for auto/taxi/bus workers
Kerala Cashew Workers Welfare Fund Scheme — Pension ₹1,200/month + gratuity ₹75,000 + medical ₹5,000/year for cashew factory workers
Kerala Vegetable Development Programme (VDP) — Subsidy ₹15,000–₹50,000 on drip irrigation, poly-house, seeds & tools for vegetable growers
Kerala Differently-Abled Persons Marriage Assistance — ₹25,000 one-time grant when a differently-abled person marries; ₹50,000 if both partners have disability
Chief Minister's Distress Relief Fund (CMDRF) — Emergency financial assistance for flood / fire / accident / serious illness — up to ₹2 Lakh
Kerala Free Textbook & School Uniform Scheme — Free textbooks for all + ₹400 uniform allowance per year for Class 1–12 in Govt. schools
Prathibha Scholarship Programme — ₹12,000‑₹60,000 per year scholarship for science degrees

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