A young man from Tumkur wanted to start a small grocery store. He belonged to a Backward Class community but had no capital.
His friend told him: “DBCDC Devaraj Arasu loan apply mado — ₹1 lakh sikkutte!”
He visited the nearest DBCDC district office. Got details. Applied online at dbcdc.karnataka.gov.in.
Loan sanctioned. Shop started. Business running.
D. Devaraj Urs Backward Classes Development Corporation (DBCDC) — Karnataka Government’s welfare corporation for Backward Classes. Low-interest loans, education assistance, subsidies — for BC/OBC communities across Karnataka.
💡 Quick Answer: DBCDC Info Portal: 👉 dbcdc.karnataka.gov.in Loan Management Portal: 👉 bcwdcorporations.karnataka.gov.in BC Welfare Dept: 👉 bcwd.karnataka.gov.in Helpline: 080-22253626 | Head Office: Devaraja Arasu Bhawan, Vasantnagar, Bengaluru
⚡ 2026 Update — Two Portals: dbcdc.karnataka.gov.in = Scheme info + application forms bcwdcorporations.karnataka.gov.in = Loan management, login, status Both are official — use both together
DBCDC Full Form — Who is Eligible?
DBCDC = D. Devaraj Urs Backward Classes Development Corporation Limited (ಡಿ ದೇವರಾಜ ಅರಸು ಹಿಂದುಳಿದ ವರ್ಗಗಳ ಅಭಿವೃದ್ಧಿ ನಿಗಮ)
Named after former Karnataka CM D. Devaraj Urs — pioneer of BC welfare.
Eligible communities:
- Backward Classes (BC) — Categories I, IIA, IIB, IIIA, IIIB
- OBC (Other Backward Classes) notified in Karnataka
- Annual family income limit applies per scheme
All DBCDC Schemes — Complete List
State Government Schemes:
| Scheme | Amount | Purpose |
|---|---|---|
| D. Devaraj Urs Individual Loan | Up to ₹2 lakh | Self-employment, small business |
| Arivu Education Loan | ₹1 lakh/year max | Higher education (Medical, Engineering, MBA etc.) |
| Chaitanya Subsidy + Soft Loan | Subsidy + loan combo | Self-employment with subsidy benefit |
| Ganga Kalyana Irrigation Scheme | Project-based | Agricultural pump sets, irrigation |
| Assistance to Traditional Artisans | Varies | Weavers, potters, cobblers, other artisans |
| Micro Credit Scheme | Small amounts | Micro entrepreneurs |
NBCFDC Schemes (National Level):
| Scheme | Amount | Purpose |
|---|---|---|
| Term Loan | Up to ₹5 lakh | Self-employment ventures |
| Education Loan | Up to ₹10 lakh | Professional courses — overseas study |
| Mahila Samriddhi | Up to ₹60,000 | Women micro-entrepreneurs |
| ShilpSampada | Varies | Artisan development |
| Small Loan for Individual | Up to ₹50,000 | Small needs |
Arivu Education Loan — Details
ಅರಿವು ವಿದ್ಯಾಭ್ಯಾಸ ಸಾಲ ಯೋಜನೆ
The most popular DBCDC scheme for students.
Eligible courses:
- Medical (MBBS, BDS)
- Engineering (BE/BTech)
- MBA, MCA, MTech
- LLB, other professional courses
Loan details:
- Maximum: ₹1,00,000 per year
- Interest rate: 2% per annum (very low!)
- Moratorium: Course duration + 1 year
- Repayment: 3-5 years after employment
Eligibility:
- Karnataka domicile
- BC category student
- Admission in recognized institution
- Family income limit (check current limit at dbcdc.karnataka.gov.in)
D. Devaraj Urs Individual Loan — Self Employment
ಡಿ ದೇವರಾಜ ಅರಸು ಸ್ವಯಂ ಉದ್ಯೋಗ ವೈಯಕ್ತಿಕ ಸಾಲ ಯೋಜನೆ
For starting or expanding small business:
Loan amount: Up to ₹2 lakh Interest: Low rate subsidized Eligible activities: Petty shop, auto rickshaw, tailoring, beauty parlour, agriculture equipment, small manufacturing
Eligibility:
- Karnataka resident BC community
- Age: 18-50 years
- Annual family income: ≤ ₹3 lakh (rural) / ₹3.5 lakh (urban) — verify at portal
- Should not have availed similar benefit before
How to Apply Online — Step by Step
Method 1 — Via dbcdc.karnataka.gov.in
Step 1: 👉 dbcdc.karnataka.gov.in/english
Step 2: Top menu → “State Government Programs”
Step 3: Select your scheme:
- D. Devaraj Urs Individual Loan
- Arivu Education Loan
- Chaitanya Subsidy
- Others
Step 4: Read scheme details → Click “Apply Online” or “Application Form”
Step 5: Fill online form:
- Caste details (BC category)
- Name of project/business for loan
- Purpose of loan + amount requested
- Personal details — name, gender, DOB, parent’s name
- Address — district, taluk, village
- Bank details — account number, IFSC, branch
Step 6: Upload documents
Step 7: Submit → Note Application Reference Number
Method 2 — Via Loan Management Portal
Step 1: 👉 bcwdcorporations.karnataka.gov.in/DBCDCAdmin
Step 2: Login with credentials (if already registered)
Step 3: Apply for loan → Track status
Method 3 — District DBCDC Office (Recommended for First Time)
Visit nearest DBCDC District Office — available in all 31 districts.
Why offline first:
- Officer verifies your category eligibility
- Guides on which scheme best fits
- Helps with document checklist
- Application process support
Find district office: dbcdc.karnataka.gov.in → Contact → District Office List
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar Card | Identity + address |
| Caste Certificate | BC category proof |
| Income Certificate | Family income ≤ limit |
| Bank Passbook | Account details |
| Residence Proof | Karnataka domicile |
| Passport size photo | Application |
| For Education Loan: | Admission letter + fee structure |
| For Business Loan: | Project report / business plan |
Beneficiary List — Check Your Name
Step 1: dbcdc.karnataka.gov.in → “Beneficiary Details” or “Beneficiary List”
Step 2: Select year (2026) → Select district → Select scheme
Step 3: List appears — search your name
Loan Status Check
Step 1: 👉 bcwdcorporations.karnataka.gov.in
Step 2: Login → Dashboard → Application status
Or: dbcdc.karnataka.gov.in → “Application Status” → Application number → Submit
Common Issues and Solutions
Issue 1: Online form not submitting Use Chrome browser. Disable popup blocker. Try in morning 9-11 AM.
Issue 2: Caste certificate rejected Must be from Karnataka Revenue Department (Nadakacheri/Atalji Janasnehi Kendra). Caste must be in Karnataka BC list.
Issue 3: Income limit exceeded Check current income limit at dbcdc.karnataka.gov.in — different for rural/urban. Certificate must be recent (current year).
Issue 4: Loan application pending for long Visit District DBCDC office with application number — follow up in person.
Official Links
| Service | Link / Contact |
|---|---|
| DBCDC Info + Apply | dbcdc.karnataka.gov.in |
| Loan Management | bcwdcorporations.karnataka.gov.in |
| BC Welfare Department | bcwd.karnataka.gov.in |
| Helpline | 080-22253626 |
| Head Office | Devaraja Arasu Bhawan, 16/D, 4th Floor, Millers Tank Bund, Vasantnagar, Bengaluru-560052 |
Frequently Asked Questions
DBCDC Karnataka loan kaise apply karein? (ಡಿಬಿಸಿಡಿಸಿ ಸಾಲ ಹೇಗೆ ಅರ್ಜಿ ಮಾಡಬೇಕು?) dbcdc.karnataka.gov.in → State Government Programs → Scheme select → Apply Online → Form fill + documents → Submit.
Devaraj Arasu loan kitna milta hai? Individual loan: Up to ₹2 lakh. Arivu Education Loan: ₹1 lakh/year at 2% interest. NBCFDC Term Loan: Up to ₹5 lakh.
Arivu Education Loan ke liye kya chahiye? BC category, Karnataka domicile, admission in recognized institution, income limit within prescribed amount. Interest rate: 2% per annum only.
DBCDC ka new portal URL kya hai 2026 mein? Two portals: dbcdc.karnataka.gov.in (info + apply) aur bcwdcorporations.karnataka.gov.in (loan management). Dono active hain.
Beneficiary list kahan se dekhein? dbcdc.karnataka.gov.in → Beneficiary Details → Year + District + Scheme select → List.
Final Note
That Tumkur businessman — shop started, running well.
“ಡಿಬಿಸಿಡಿಸಿ ಸಾಲ ಸಿಕ್ಕಿತು — ಅಂಗಡಿ ಆರಂಭ ಮಾಡಿದೆ।” (Got DBCDC loan — started the shop.)
If you belong to BC community in Karnataka and need financial support:
- Check schemes at dbcdc.karnataka.gov.in
- Visit nearest District DBCDC office
- Apply online after eligibility confirmation
Based on official information from dbcdc.karnataka.gov.in and D. Devaraj Urs Backward Classes Development Corporation. Loan amounts and eligibility may change — verify at official portal before applying.