Project Report For Norka Roots Subsidy


NORKA Roots is a government organization in Kerala, India that provides assistance and support to non-resident Keralites (NRKs) living and working outside of India. It offers a range of services including passport and visa assistance, employment and education guidance.


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Project Report for Norka Roots Subsidy – NORKA (Non-Resident Keralite Affairs) is a department of the Government of Kerala in India that aims to address the welfare and development needs of non-resident Keralites (NRKs), who are citizens of Kerala living outside the state. The department was established in 1996 with the objective of promoting the overall development of NRKs and facilitating their participation in the state’s development process. NORKA operates various schemes and initiatives to support NRKs, such as the NORKA Roots Scheme, which provides assistance to NRKs who wish to return to Kerala and settle down in the state. The scheme provides financial assistance for housing, livelihood, and skill development, as well as support for medical treatment and education of children.


Some Major Schemes of Norka Roots Subsidy

1. Pravasi Bhadratha-PEARL

PEARL is designed to help NRK returnees who are weaker or less visible and have lower savings and income. To provide the targeted group with a sustainable means of subsistence, it has been suggested that the strategy be put into action through the Kudumbashree Mission. The scheme’s features are shown below.

• Revolving Funds for Individual or Group Work for Subsistence.

• Support for small businesses and groups engaged in livelihood .activities through community lending.

• Up to Rs. 2 lac in interest-free loans.

• Two-year repayment plan with equal installments.


Benefits of Pravasi Bhadratha

  • The applicants must be returning emigrants who lost their jobs or were stranded in the state because of the Covid 19 Pandemic.
  • Candidates must be members of Kudumabshree NHG or of any organization established under Kudumbashree’s supervision.
  • The applicants must be return emigrants who have worked abroad for at least two years.

Financial support – 

As a soft loan, financial assistance of up to 75% of the project’s cost or Rs. 2 Lac, whichever is less, would be approved. After a 3-month repayment holiday, the loan must be repaid within 2 years (24 months). The applicant is required to contribute an upfront margin of up to 25%.

Pravasi Bhadratha – MEGA

Pravasi Bhadratha  – MEGA intends to make loans to enterprises in the range of Rs. 25 lakhs to Rs. 2 crores through KSIDC. NORKA-ROOTS will offer interest incentives ranging from 3.25% to 3.75% for the first four years, while KSIDC will offer loans with interest rates ranging from 8.25% to 8.75%. It is available to NRK investors as well as returnees from other Indian states.

  1. The implementing agency will be KSIDC, NORKA-ROOTS will cover the interest subsidy of the loans made under the program, and the program’s controller will be the NORKA Department in Government.
  2. Loan applications will be processed by the KSIDC (contact KSIDC for an application form), and loans will be disbursed after processing. To NORKA-ROOTS, KSIDC will submit a proposal with the appropriate suggestion for the payment of interest incentives.
  3. The amount will be distributed on a quarterly basis upon prompt loan repayment in accordance with the claims made from time to time by KSIDC.

Pravasi Bhadratha - MICRO

This program is intended to help returned NRKs establish micro and small-size industries. The Kerala State Financial Enterprises’ branches are intended to be used to accomplish the plan. The scheme’s features are shown below.

  • Up to Rs. 5 lac in loans.
  • Maximum capital subsidy of one lakh rupees (25 percent of the loan component).
  • Interest subsidy for the first four years at 3%

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Documents For Norka Roots Subsidy


1. The first and last pages of your passport

2. Visa page

3. Project report See Sample

4. Ration card photocopy

5. Evidence of Kudumbasree Unit membership (Either of applicant or family member)

6. Aadhaar card photocopy

Sample Project Report Of Norka Roots Subsidy

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