Bana Kaih (Handholding) Scheme

Bana Kaih (Handholding) Scheme supports people and organizations in Mizoram with money, technical help and institutional support so they can build livelihoods, run businesses and grow the state economy. In 2026, the scheme continues to run and the state has also opened Phase II applications for the Chief Minister Special Package.

Bana Kaih, which means hand in hand, is one of the main schemes of the Mizoram government. It was launched by Chief Minister Pu Lalduhoma on 19 September 2024 and runs for an initial period of five years, up to 2029.

Bana Kaih (Handholding) Scheme

Bana Kaih (Handholding) Scheme is run by the Planning and Programme Implementation Department, Government of Mizoram. It gives selected Progress Partners collateral-free, interest-free bank loans, market support, training and other help so they can create wealth and jobs in the state. The scheme works across all districts of Mizoram, including Aizawl, Champhai, Kolasib, Lunglei, Lawngtlai, Mamit and Siaha.

For the financial year 2024-25, the state set aside ₹200 crore for the scheme. Under Phase II of the Chief Minister Special Package, applicants can get support of up to ₹50,000, and the grant-in-aid under the Chief Minister Special Category can go up to ₹1 lakh.

Benefits

Bana Kaih gives a range of support so that every Progress Partner can start or grow their work easily. The main benefits are given below.

• Handholding support - Covers advisory services, technical help, training, supervision and regular guidance from the implementing department.
• Money help - Covers collateral-free bank loans, full interest subvention, support with bank guarantees, catalytic capital and venture funding.
• Cluster growth - Supports settled farming and plantations in cluster mode and helps build industrial clusters in agriculture and allied sectors.
• Market support - Gives price support for key crops, market information, market linkages and money to build infrastructure or buy machinery.
• Chief Minister Special Package - Under Phase II, eligible applicants can get a grant of up to ₹50,000, and the Special Category support can go up to ₹1 lakh.

Eligibility

Anyone interested in the scheme must meet these conditions to be shortlisted as a Progress Partner.

• The applicant can be an individual, group, organization, entrepreneur or innovator.
• They must show good potential to create wealth and jobs for the state.
• They must be selected as a Progress Partner by the Apex Body, which is the Mizoram State Policy Coordination Committee chaired by the Chief Minister.
• They must be actively engaged in business, a startup or livelihood development work.

Application Process

Application Procedure

Applications for the scheme can be made both online and offline. Below are the steps to apply.

STEP 1 - Visit the official portal at handholding.mizoram.gov.in and register as a new user. You can submit a project proposal for an individual or an organization.

STEP 2 - After registering, submit your loan application or Chief Minister Special Package proposal through the portal. A confirmation SMS will be sent to your registered mobile number when the application is accepted.

STEP 3 - For the Chief Minister's Special Package under Phase II, upload clear photographs of the required documents on the portal. The support amount can be up to ₹50,000.

STEP 4 - Those who prefer the offline process can fill the form and submit it at the Deputy Commissioner office, SDO Civil office, Block Development Officer office or a Common Service Centre in their district.

STEP 5 - The concerned department will check the trade and project details before sending the application to the Planning and Programme Implementation Department for final review.

Documents

Applicants should keep the following documents ready while applying for the Chief Minister Special Package or any other support.

1. Passport size photograph
2. Voter ID card or EPIC
3. Aadhaar card
4. Bank passbook first page with account and IFSC details
5. Ration card
6. Detailed project proposal or business plan for loan applicants

References

For more details, check the official pages linked below.

• Official Scheme Registration Portal
• Official Scheme Guidelines PDF
• About Bana Kaih - Commerce and Industries Department
• Bana Kaih Booklet - Planning Department

FAQ's

What is the Bana Kaih (Handholding) Scheme?

It is a Mizoram government scheme that gives financial, technical and institutional support to help individuals and organizations succeed in their livelihood and business ventures.

Who qualifies as a Progress Partner?

Progress Partners are individuals, groups or organizations selected by the Apex Body based on their potential to create wealth and employment in the state.

How much loan can I get under the scheme?

Eligible applicants can get collateral-free, interest-free bank loans of up to ₹50 lakh, along with interest subvention and bank guarantee support.

What is the Chief Minister Special Package under Phase II?

Under Phase II, eligible applicants can get a grant of up to ₹50,000. It can be applied for both online and offline.

Are startups eligible to apply?

Yes, any startup entity as defined by DPIIT standards is eligible to apply for support under the scheme.

How long will the scheme run?

Bana Kaih is active for an initial period of five years, from 19 September 2024 to 18 September 2029.