Kalaignar Magalir Urimai Thogai

Electronic Credit Mechanism

Automated SMS Notifications

1. State Residence: The woman must be a permanent resident of Tamil Nadu holding a valid family Smart Ration Card issued by the Civil Supplies and Consumer Protection Department.
2. Age Condition: The applicant must have completed 21 years of age on or before the cut-off date. There is no upper age ceiling, making senior female citizens fully eligible if not drawing a separate government pension.
3. Designated Family Head: Only one woman per Smart Ration Card can apply. If a woman is named as the family head on the ration card, she is the natural applicant. If a male member is listed as the family head, his wife is treated as the head for this scheme. Unmarried, widowed, or separated women heading their own ration cards can apply under their own names.
4. Income Ceiling: The total annual income of the applicant's family from all sources must not exceed ₹2,50,000.
5. Agricultural Land Holding Limit: The applicant's family must not own more than 5 acres of wetland (nanjai) or more than 10 acres of dryland (punjai), whether held collectively or individually.
6. Electricity Consumption Cap: The family's total annual domestic electricity consumption must remain below 3,600 units (kWh) per year, calculated across all domestic power connections tied to the household.

• Income Tax Returns: Any family where a member files income tax returns or pays professional tax.
• Regular Government Servants: Households where a member works on a permanent basis in central or state government departments, public sector undertakings, judiciary, statutory boards, universities, banks, or local urban bodies.
• Pension Recipients: Families where an individual draws a regular government retirement pension or family pension.
• Social Security Pensioners: Women who already receive monthly social welfare pensions from the Revenue Department, such as the Old Age Pension, Destitute Widow Pension, or Differently Abled Pension.
• Elected Representatives: Families where a member is an elected representative, including Members of Parliament, Members of the Legislative Assembly, Mayors, Municipal Chairpersons, or Village Panchayat Presidents.
• Four-Wheeler Ownership: Households owning four-wheeled motor vehicles for private use, including passenger cars and sports utility vehicles. Commercial goods transport vehicles, tractors, and auto-rickshaws do not trigger this disqualification.

• Tamil Nadu Digital Smart Ration Card: Must be active and show the applicant's name.
• Aadhaar Card: With active mobile number linkage for one-time password verification.
• Electricity Consumer Number (TANGEDCO): The consumer service number listed on the latest domestic electricity receipt.
• Bank Account Passbook: Showing the woman as the sole account holder with active Aadhaar seeding.
• Active Mobile Phone: To receive one-time passwords and official SMS transaction alerts.

1. Locate your designated registration camp scheduled at your local ration shop, government school, or village community hall.
2. Collect the blank physical application form distributed free of cost by the village administrative officer or fair price shop staff.
3. Complete the form with your ration card number, Aadhaar number, domestic electricity connection number, bank details, and mobile number.
4. Visit the registration camp on your assigned date and time slot.
5. The camp operator uses the official biometric registration device to authenticate your Aadhaar identity.
6. The operator scans your ration card and bank passbook, inputs your details into the field verification portal, and generates a printed acknowledgment slip.
7. Retain the acknowledgment slip containing your 10-digit application reference code.

1. Open your browser and navigate to the official portal: https://kmut.tn.gov.in.
2. Click on the button labeled "Public Login" (பொதுமக்கள் உள்நுழைவு) on the top right.
3. Enter your 12-digit Aadhaar Number.
4. Click on "Send OTP" to receive an authentication code on your Aadhaar-linked mobile phone.
5. Type the 6-digit OTP into the verification field and solve the security captcha.
6. Once logged in, your personal beneficiary dashboard displays your application progress: - Application Received: Record saved and queued for database matching. - Field Verification Completed: Revenue staff or Anganwadi workers have verified home eligibility. - Sanctioned / Active Beneficiary: Application accepted and monthly credit approved. - Rejected / Ineligible: The application was declined, displaying the precise disqualifying reason (such as TANGEDCO power consumption or land ownership limits).
7. Review your monthly payment ledger showing the bank reference number, credit date, and settlement status for every ₹1,000 transfer.

1. Visit your local Revenue Divisional Office (RDO) or submit your grievance online via the Mudhalvarin Mugavari portal at https://cmhelpline.tnega.org.
2. You have a window of 30 days from the date of receiving the rejection SMS to file your appeal.
3. Obtain your official rejection reason from the KMUT status check portal.
4. If your application was rejected for electricity consumption exceeding 3,600 units, collect your official 12-month consumption certificate from the local TANGEDCO section office.
5. If rejected for landholding, obtain a corrected landholding certificate (Adangal / Chitta) from the Taluk Tahsildar.
6. Submit the appeal form along with supporting proof to the Revenue Divisional Officer or upload it through your nearest e-Sevai center.
7. The RDO conducts an independent inquiry and issues a written order within 30 working days. Approved appeals are added to the next payment release cycle.

1. Ensure your savings account is seeded with NPCI for Direct Benefit Transfer.
2. Visit your bank branch and ask the customer service executive to check your account's "DBT Enabled" flag.
3. If your account has remained dormant due to lack of transactions, deposit a nominal cash amount (such as ₹100) to reactivate it.
4. You may also open a zero-balance Basic Savings Bank Deposit Account at your local Post Office (India Post Payments Bank) and request instant Aadhaar seeding.