§1Who it is for

  • Kerala MSMEs (manufacturing, service, trade) insuring their assets

Useful if

Any Udyam-registered Kerala MSME buying a Bharat Sookshma/Laghu policy.

Do not spend time on it if

Firms insured with private insurers.

§2Eligibility

Valid Udyam registration in Kerala

  1. Enrolled in Bharat Sookshma / Laghu Udyam policy with National, United India, Oriental or New India Assurance
  2. Cover for a period beyond 1 Apr 2023

§3Benefits

  • 50% of annual premium, max Rs 2,500

§4Norms — pattern of assistance

  1. Paid by DIC to the MSME bank account after premium is paid (reimbursement)

§5Documents

Tick each one as you get it ready.

§6How to apply

  1. 1

    Register willingness on portal; choose insurer quote; pay full premium; apply online to DIC

§7Pros and cons

Merits

  • Covers trade and service MSMEs too (scheme page)

Demerits

  • Very small benefit - max Rs 2,500 per year (scheme page)

→Related schemes

Need help with MSME Insurance Kerala?

Eligibility check, DPR and application file — ask us on WhatsApp.

WhatsApp usServices

Our interestHelp is our paid service. You can also apply for the scheme yourself.

Sources

  1. MSME Insurance Scheme page

Checked on 18 October 2026. For information only — confirm with the department or bank. Spotted a mistake? Report it.