Project Report For KESRU Scheme Kerala


The KESRU scheme is a loan program in Kerala, India that provides financial assistance to individuals and businesses in need. It aims to support economic development and improve living standards in the region.

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KESRU - Kerala Self Employment Scheme

The Kerala Self Employment Scheme for the Registered Unemployed program allows unemployed people to be approved for a bank loan of up to Rs. 1,00,000 to launch a business. Before individuals start their own self-employment companies, the government offers the KESRU loan. Up to 20% of the bank loan may be reimbursed as government assistance through the employment department. Therefore, the beneficiary is not required to contribute in order to receive a loan under this program. The guarantor would be the beneficiary’s spouse or parents. They don’t need security.

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KESRU Scheme

Benefits of KESRU Scheme Kerala

  • Bank financing for new ventures is available up to Rs. 1,00,000.
  • The guarantor may be the spouse or parents.
  • The program will be overseen by job exchange officers, and it is their responsibility to ensure that the sanctioned amount must only be utilized for self-employment.
  • Employment exchanges provide application forms without charge.

Objective Of KESRU Scheme Kerala


To provide all necessary assistance and support to first-generation business owners starting Micro Enterprises, to teach them how to generate new ideas, make plans, and write project proposals, and to assist them in applying for loans or other forms of financial aid through various loan programmes from Nationalized/Commercial banks and Regional Rural Banks so they can start their own businesses and create new job opportunities. The goal’s distribution would be determined by factors such as district backwardness, population, unemployment, resource availability, and upcoming technology.