Mudhalvarin Kakkum Karangal Scheme – The Government of Tamil Nadu, under the leadership of Chief Minister M.K. Stalin, has announced an important welfare initiative named the “Mudhalvarin Kakkum Karangal Scheme 2025” (Chief Minister’s Helping Hands). This flagship program is designed exclusively for ex-servicemen and their families, providing them with financial assistance and opportunities to build sustainable livelihoods through entrepreneurship.
The scheme is both a mark of gratitude for the sacrifices of armed forces personnel and a practical measure to integrate them into the mainstream economy by supporting small and medium enterprises (SMEs). With provisions for bank loans up to ₹1 crore, a 30% capital subsidy, and a 3% interest subsidy, the program promises to reduce financial burdens and open up avenues for self-employment.
Mudhalvarin Kakkum Karangal Scheme
“முதல்வரின் காக்கும் கரங்கள் திட்டம் 2025” முன்னாள் இராணுவ வீரர்களுக்காக தமிழக அரசு தொடங்கிய சிறப்பு நலத்திட்டமாகும். முன்னாள் வீரர்கள் மற்றும் வீரமரணமடைந்தோரின் குடும்பங்களுக்கு தொழில் தொடங்க ₹1 கோடி வரை வங்கி கடன், அதோடு 30% மூலதன உதவி மற்றும் 3% வட்டி சலுகை வழங்கப்படுகிறது. இந்த திட்டம் மூலம் முன்னாள் வீரர்கள் தங்கள் குடும்பத்துடன் சுயமரியாதையுடன் வாழ்ந்து வேலை வாய்ப்புகளை உருவாக்கலாம். தொழில் முனைவோர் பயிற்சியும் அளிக்கப்படுவதால், முன்னாள் வீரர்கள் தொழில் உலகில் வெற்றி பெறும் வாய்ப்புகள் அதிகரிக்கின்றன. இது அவர்களின் தியாகத்திற்கு நன்றி செலுத்தும் அரசின் சிறந்த முயற்சியாகும்.
| Particulars | Details |
|---|---|
| Scheme Name | Mudhalvarin Kakkum Karangal Scheme 2025 |
| Launched By | CM M.K. Stalin, Government of Tamil Nadu |
| Beneficiaries | Ex-servicemen and families of deceased servicemen |
| Financial Support | Loan up to ₹1 crore |
| Subsidy Benefits | 30% capital subsidy + 3% interest subsidy |
| Training | Entrepreneurship Development and Innovation Institute (EDII), Chennai |
| Application Mode | Online & Offline |
| Official Website | www.exwel.tn.gov.in |
| Target Beneficiaries | Around 400 ex-servicemen in initial phase |
| Launch Date | August 19, 2025 |
Main objectives of the Mudhalvarin Kakkum Karangal Scheme –
To support ex-servicemen in starting new businesses or expanding existing ventures. They provide access to affordable credit through bank loans. Applicants get easy repayment pressure by offering subsidies on both capital and interest.
To create employment opportunities and stimulate economic growth in Tamil Nadu. Honor the contribution of ex-servicemen and ensure financial stability for their families.
This scheme is particularly impactful because it recognizes the discipline, skills, and leadership qualities that veterans bring from their military service into civilian enterprises.
Key Features and Benefits
- Loan Facility – Eligible ex-servicemen can apply for bank loans up to ₹1 crore for new businesses.
- Subsidies Offered – 30% Capital Subsidy: A significant portion of the loan is subsidized by the government. 3% Interest Subsidy: Reduces the repayment burden on beneficiaries.
- Employment Creation – By encouraging entrepreneurship, the scheme promotes job creation within communities.
- Training Support – Beneficiaries will undergo entrepreneurship training at the Entrepreneurship Development and Innovation Institute (EDII), Chennai, before the final sanction of loans.
- Wide Coverage – Apart from ex-servicemen, families of deceased servicemen who lost their lives in service are also eligible.
- Phased Implementation – In the first phase alone, 348 beneficiaries are set to receive ₹50.50 crore in aid. Recently, 155 ex-servicemen received aid worth ₹24.43 crore under the scheme.
Application Process
The Tamil Nadu government has made the application process both online and offline for easy access:
Online Application
- Visit the official Department of Ex-Servicemen Welfare website: www.exwel.tn.gov.in.
- Fill in the online application form with business details and attach the required documents.
- Submit the application for verification.
Offline Application
- Ex-servicemen or their families can also apply through their District Ex-Servicemen’s Welfare Office.
- Applications will be reviewed at the district level before being forwarded to banks.
Verification Process
- A district-level task force committee will screen applications.
- After bank scrutiny, a provisional sanction is granted.
- Beneficiaries will receive training at EDII before final loan disbursement.
Required Documents
Applicants must keep the following documents ready:
- Discharge certificate/Service certificate of an ex-serviceman.
- Proof of residence (Aadhaar, voter ID, or ration card).
- Business proposal/project report.
- Bank account details.
- Identity and address proof of the applicant.
- Certificate from the District Ex-Servicemen’s Welfare Office.
- Death certificate (for families of deceased servicemen, if applicable).
Important Dates
- Launch Date of Scheme: 19th August 2025
- Application Start Date: Open Now
- First Phase Distribution: August 2025 (348 beneficiaries, ₹50.50 crore aid)
- Upcoming Deadlines: To be notified on the official website.
Selection Process
- Submission of application (online/offline).
- Scrutiny by the District Ex-Servicemen’s Welfare Committee.
- Verification and provisional sanction by banks.
- Entrepreneurship training at EDII, Chennai.
- Final approval and loan disbursement with subsidies.
On August 19, 2025, Chief Minister M.K. Stalin distributed aid worth ₹24.43 crore to 155 ex-servicemen. In total, 348 ex-servicemen are set to benefit from the first phase of the program. Ministers, senior officials, and the Chief Secretary were present at the official launch event in Chennai.
Maharashtra RTE Lottery Result
The government emphasized this scheme as a “token of gratitude” to ex-servicemen who dedicated their youth to serving the nation.
The Mudhalvarin Kakkum Karangal Scheme 2025 is more than just a financial aid program it is a recognition of the immense sacrifices made by India’s servicemen. By providing financial support, subsidies, and entrepreneurship training, the Tamil Nadu government is enabling ex-servicemen to build a stable post-service life, ensuring dignity, independence, and economic growth for their families. This scheme is expected to significantly boost the state’s entrepreneurial ecosystem while honoring those who safeguarded the nation.
Home Page – Click Here
Kakkum Karangal Scheme – Click Here