Karunya Benevolent Fund Kerala — Quick Overview
| Scheme Name | കാരുണ്യ ബിനവലന്റ് ഫണ്ട് കേരളം 2026 — Kerala Govt Employees ₹3 Lakh Medical Aid | Karunya Fund |
| State | Kerala (केरल) |
| Launched By | Government of Kerala |
| Launch Year | 1990 |
| Benefit | Up to ₹3 lakh for critical illness (cancer, heart, kidney) + ₹1 lakh for ordinary hospitalisation — Kerala govt employees, teachers, pensioners |
| Category | Health |
| Beneficiaries | 5 lakh+ Kerala government employees, teachers, and pensioners |
| Last Verified | 3 May 2026 |
| Official Portal | https://karunya.kerala.gov.in |
What is Karunya Benevolent Fund Kerala?
Karunya Benevolent Fund is Kerala Government's welfare scheme for state government employees, teachers, and pensioners providing financial assistance for serious medical treatment. Benefits include up to ₹3 lakh for critical illnesses (cancer, kidney failure, heart surgery, major accidents), ₹1 lakh for ordinary hospitalisation, and special assistance for palliative care. The fund is managed by the Kerala State Government Employees Association (KSGE) and Social Welfare Board. Over 5 lakh employees and pensioners benefit. Monthly contribution: ₹50 from salary — small premium for large protection.
Under this scheme, eligible beneficiaries receive Up to ₹3 lakh for critical illness (cancer, heart, kidney) + ₹1 lakh for ordinary hospitalisation — Kerala govt employees, teachers, pensioners. The scheme was launched in 1990 and is implemented by the Government of Kerala.
കേരള കാരുണ്യ ഫണ്ട് (Karunya Benevolent Fund) — Kerala ഗവൺമെന്റ് ജീവനക്കാർ, അദ്ധ്യാപകർ, പെൻഷൻകാർക്ക് ഗുരുതരമായ ചികിത്സക്ക് ₹3 ലക്ഷം ആർഥിക സഹായം. 5 ലക്ഷ+ ഗുണഭോക്താക്കൾ. മാസം ₹50 contribution.
₹3 ലക്ഷം വരെ critical illness-ന് + ₹1 ലക്ഷം ordinary hospitalisation-ന് — Kerala govt employees & pensioners
കേരള ഗവൺമെന്റ് ജീവനക്കാർ, അദ്ധ്യാപകർ, പെൻഷൻകാർക്ക് ഗുരുതര ചികിത്സക്ക് ₹3 ലക്ഷം ആർഥിക സഹായം. ₹50/മാസം salary deduction ൽ enrollment ആവശ്യം. karunya.kerala.gov.in ൽ claim ചെയ്യുക.
📌 फायदा: ₹3 ലക്ഷം വരെ — cancer, heart, kidney, accident — Kerala govt employees & pensioners
पात्रता:
Kerala ഗവൺമെന്റ് ജീവനക്കാർ/അദ്ധ്യാപകർ/പെൻഷൻകാർ — Karunya Fund enrolled (₹50/month deduction).
अर्ज कसा करावा:
karunya.kerala.gov.in → Application form → hospital bills + DDO letter + Aadhaar + bank details → submit online അല്ലെങ്കിൽ Treasury Office ൽ.
Benefits of Karunya Benevolent Fund Kerala
✅ Up to ₹3 lakh for critical illness (cancer, heart, kidney) + ₹1 lakh for ordinary hospitalisation — Kerala govt employees, teachers, pensioners
₹3 ലക്ഷം വരെ critical illness-ന് + ₹1 ലക്ഷം ordinary hospitalisation-ന് — Kerala govt employees & pensioners
Who is Eligible for Karunya Benevolent Fund Kerala?
- ✓ Kerala State Government employee (regular/permanent)
- ✓ Government school and aided school teachers in Kerala
- ✓ Kerala Government pensioners
- ✓ Must be enrolled in Karunya Fund (monthly deduction ₹50 from salary)
- ✓ Treatment at recognised hospitals — government or empanelled private hospitals
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Documents Required for Karunya Benevolent Fund Kerala
How to Apply for Karunya Benevolent Fund Kerala Online?
- 1karunya.kerala.gov.in ൽ ആപ്ലിക്കേഷൻ ഫോം download ചെയ്യുക
- 2Hospital bills, discharge summary, doctor certificate സഹിതം ഫോം പൂരിപ്പിക്കുക
- 3DDO (ഡ്രോയിംഗ് ഡിസ്ബേഴ്സിംഗ് ഓഫീസർ) ശുപാർശ letter നേടുക
- 4Treasury Officer അല്ലെങ്കിൽ Social Welfare Board office ൽ submit ചെയ്യുക
- 5Online: karunya.kerala.gov.in → Online Application → upload documents
- 6Approval ശേഷം amount direct bank account ൽ DBT ആകും
Official Government Portal — Kerala
Apply directly on the official Kerala government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 karunya.kerala.gov.in — Karunya Fund ApplicationFrequently Asked Questions — Karunya Benevolent Fund Kerala
Common Questions About Kerala Government Schemes
Kerala Karunya scheme eligibility 2026?+
BPL families in Kerala and APL families with annual income below ₹3 lakh. Not covered under ESIC or central government health schemes.
കാരുണ്യ കാർഡ് എങ്ങനെ ലഭിക്കും?+
karunya.kerala.gov.in ൽ ഓൺലൈൻ അപേക്ഷ നൽകുക അല്ലെങ്കിൽ അടുത്തുള്ള അക്ഷയ സെന്ററിൽ / തഹസിൽദാർ ഓഫീസിൽ റേഷൻ കാർഡ്, ആധാർ, വരുമാന സർട്ടിഫിക്കറ്റ് സഹിതം ചെല്ലുക.
കർഷക ക്ഷേമഗം pension-ന് apply ചെയ്യണ്ടത് എവിടെ?+
നിങ്ങളുടെ അടുത്തുള്ള Krishi Bhavan (ഗ്രാമ/ബ്ലോക്ക് കൃഷി ഓഫീസ്) ൽ ചെന്ന് Karshaka Kshemagam membership എടുക്കുക. 60 വയസ്സ് തികഞ്ഞ ശേഷം pension claim form submit ചെയ്യാം.
Kerala Karshaka Kshemagam membership fee kitni hai?+
Membership fee nominal amount — latest rates for the current year are available at your nearest Krishi Bhavan or keralaagriculture.gov.in. Fee structures may vary by category (own land / tenant farmer).
Kudumbashree SHG loan kitna milta hai?+
NHG internal loan: ₹5,000-20,000 (short term, within group savings). Bank-linked CDS loan: ₹50,000-2 lakh. Micro enterprise loan: up to ₹2 lakh per woman from NABARD/bank credit linkage.
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