Pravasi loan/ NORKA

Government have  started the rehabilitation package NDPREM for returned NRK’s. Under this scheme NORKA ROOTS entered in to MOU’s major bank StateBank of India, south Bank of India, Union Bank. Kerala state backward class Development Corporation and Kerala state Pravasi welfare development cooperative society signed MOU.  

              It is the first one of it’s kind formed in any state in India. It was formed to strengthen the relationship between NRK’s and Government of Kerala. It A act on forum for addressing  theNRK’s problem, safeguarding their rights and rehabilitating returnees.

           In this scheme banks will sanction loans for modest enterprises as  business interest. The scheme offers a returnee a capital subsidy of 15 % and interest subsidy 3 %for first 4 years. 

               Norka roots has also tied up with CMD to provide aspiring proper guidance and support for preparing project reports.


  • Capital subsidy 15% project cost subject to maximum of Rs 20 lakh (Max INR 300000). 
  • Interest subsidy of 3% for first 4 years, beneficiaries who are regular in payment. 
  • It also conducted orientation and training camp for screening and selection.


  • project details 
  • passport /visa copy 
  • photograph


field with the support provided 

  • agriculture (poultry, diary, goat farm)
  • Trading (shops)
  • services (repair shop, taxi, restaurant Flour Mills saloons) 

 How to apply 

  •  Visit norka loan website
  •  Click on register
  •  Fill application form
  •  Enter personal details
  •  Submit

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