Mukhyamantri Udyami Yojana - ₹10 Lakh Business Loan
Agar aap SC, ST, OBC, ya Minority community se hain aur apna business start karna chahte hain, toh Mukhyamantri Udyami Yojana aapke liye hai. Isme ₹10 Lakh milte hain jismein se ₹5 Lakh maaf ho jaate hain!
Scheme Ka Structure
| Component | Amount | |-----------|--------| | Total Project Cost | ₹10,00,000 | | Government Subsidy | ₹5,00,000 (50%) | | Interest-Free Loan | ₹5,00,000 | | Interest Rate | 1% only | | Repayment Period | 84 months (7 years) |
Matlab aapko sirf ₹5 Lakh wapas dene hain wo bhi 1% interest pe.
Kaun Apply Kar Sakta Hai?
Category Wise:
- SC/ST Udyami Yojana - Scheduled Caste/Tribe
- Ati Pichhda Udyami Yojana - Extremely Backward Class
- Mahila Udyami Yojana - Women (any category)
- Yuva Udyami Yojana - Youth (18-50 years)
Basic Eligibility:
- Bihar ka nivasi hona chahiye (10+ years)
- Age: 18-50 years
- Education: Minimum 10th pass (Inter for some)
- Category certificate valid hona chahiye
- Existing business nahi hona chahiye (new entrepreneurs only)
Not Eligible:
- Already koi business hai toh nahi milega
- Government job walon ko nahi milega
- Jo pehle is scheme ka benefit le chuke hain
Kaunsa Business Start Kar Sakte Hain?
Manufacturing:
- Food Processing (Achaar, Papad, Namkeen)
- Garment Manufacturing
- Furniture Making
- Steel Fabrication
- Brick Kiln
Service:
- Computer Training Center
- Mobile Repair Shop
- Beauty Parlour/Salon
- Electric Repair Shop
- Printing Press
Trading:
- General Store
- Medical Store
- Hardware Store
- Fertilizer/Seed Shop
Note: Pure trading business ke liye subsidy kam hai. Manufacturing/Service better hai.
Documents Required
- Aadhar Card (self)
- Caste Certificate (latest, DC level)
- Residential Certificate (10 year)
- Educational Certificate (10th minimum)
- Age Proof (Birth certificate/10th marksheet)
- Bank Account (6 months statement)
- Passport Photo (recent)
- Project Report (detailed business plan)
- Quotations (machinery/equipment ke)
- Land/Shop Document (rent agreement/ownership)
Application Process
Step 1: Registration
- udyami.bihar.gov.in pe jaayein
- "New Registration" pe click karein
- Aadhar based verification hoga
- Mobile OTP verify karein
Step 2: Profile Complete Karein
- Personal details
- Education details
- Bank details
- Address proof
Step 3: Project Selection
- Pre-approved project list se choose karein
- Ya apna custom project propose karein
- Project cost calculate karein
Step 4: Document Upload
- Saare documents scan karke upload karein
- Clear aur readable hone chahiye
- File size limits dhyan mein rakhein
Step 5: Final Submit
- Review karein application
- Submit kar dein
- Acknowledgment number save karein
Step 6: District Level Verification
DIC (District Industries Centre) pe bulaya jaayega. Documents verify honge. Interview hoga about business plan.
Step 7: Bank Disbursement
Approval ke baad bank account mein paisa aayega. Phir machinery/equipment khareed sakte ho.
Selection Criteria
Points system pe selection hota hai:
| Criteria | Points | |----------|--------| | Education (Higher = More) | 0-15 | | Age (Younger = More) | 0-10 | | Women Applicant | +10 | | Divyang Applicant | +10 | | Training Certificate | +5 |
Tip: Higher education aur EDP training karke apply karo.
Common Rejection Reasons
- Incomplete Documents - Kuch missing
- Fake Certificate - Caste/Residential forged
- Overage - 50 se upar
- Existing Business - Already kuch chal raha hai
- Weak Project Report - Business plan unclear
How to Write Good Project Report
Include These:
- Executive Summary - Business kya hai, short mein
- Product/Service - Kya bechoge/karoge
- Market Analysis - Customer kaun hai
- Competition - Aur kaun kar raha hai
- Cost Breakdown - Paisa kahan lagega
- Revenue Projection - Kitna kamaoge
- Break Even - Kab profit mein aaoge
Pro Tip:
DIC office mein free mein project report banvane ki facility hai. Use karo.
Training Programs
Bihar sarkar EDP (Entrepreneurship Development Programme) free mein karati hai:
- 7-day training
- Business basics sikhate hain
- Certificate milta hai (extra points in selection)
- Network banta hai
Enquire at: Nearest DIC office
Helpline
- Toll-Free: 1800-345-6214
- Email: udyami-bihar@gov.in
- DIC Offices: Every district headquarter
Success Stories
Ramesh, Gaya (Steel Fabrication)
"₹10 Lakh se shuru kiya, aaj 5 workers hain mere paas. Monthly ₹80,000 ka business."
Sunita Devi, Patna (Boutique)
"Mahila Udyami se liya. Ghar se chalaati hoon. 2 saal mein loan khatam kar diya."
Important Links
- Apply: udyami.bihar.gov.in
- DIC List: Available on portal
- Project List: Download from portal
Final Advice
"Subsidy free ka paisa nahi hai - ye tumhare business ke liye investment hai."
Seriously lo. Proper business plan banao. Paise sahi jagah lagao. Regular EMI bharo. 7 saal mein free ho jaoge aur ek running business bhi hoga.