Mukhyamantri Alpsankhyak Rozgar Rinn Yojana offers financial support to youths from minority communities in Bihar, providing loans of up to ₹5,00,000 at a low annual interest rate of 5% so they can start or expand their own business. The scheme is run by the Minority Welfare Department, Government of Bihar, through the Bihar State Minorities Financial Corporation Limited (BSMFC). Online applications for 2026-27 are accepted on the official Bihar government portal at mmarry.user.bihar.gov.in.
The scheme covers people from the notified minority communities, which include Muslim, Sikh, Christian, Buddhist, Jain and Parsi. Once the loan is approved, the money is meant strictly for income-generating work such as opening a shop, setting up a small unit or starting any self-employment activity. For women borrowers the interest is even lower at 4% per year, which makes the scheme more attractive for women who want to begin a business on their own.
Mukhyamantri Alpsankhyak Rozgar Rinn Yojana - Main Details
Mukhyamantri Alpsankhyak Rozgar Rinn Yojana has been operating in Bihar for many years and continues to accept fresh applications in the current financial year 2026-27. Applications are now taken online only through the official portal mmarry.user.bihar.gov.in linked to BSMFC. Applicants must first register on this portal, fill in the form and then follow up with the District Minority Welfare Office (DMWO) for verification.
This loan is different from a grant because it has to be repaid. Borrowers get a repayment period of 5 years, with the loan settled in 20 equal quarterly installments after an initial 3-month moratorium. There is also a 0.5% interest rebate for those who clear the loan on time, and a 0.5% processing fee is deducted from the sanctioned amount. The whole process is designed to keep the money moving to people who can actually use it for work.
Key Information
| Key Attribute | Details |
|---|---|
| Scheme Name | Mukhyamantri Alpsankhyak Rozgar Rinn Yojana |
| Level | State |
| Beneficiary State | Bihar |
| Nodal Department | Minority Welfare Department |
| Implementing Agency | Bihar State Minorities Financial Corporation Limited (BSMFC) |
| Maximum Loan | ₹5,00,000 |
| Interest Rate | 5% per year (4% for women) |
| Application Mode | Online only |
| Official Portal | mmarry.user.bihar.gov.in |
Benefits
The main benefit of Mukhyamantri Alpsankhyak Rozgar Rinn Yojana is access to a low-interest loan for self-employment. Loan amounts go up to ₹5,00,000, and the interest is kept low at 5% per year for men and 4% per year for women. This makes the scheme helpful for people who cannot get a normal bank loan easily.
For loans up to ₹1,00,000, the amount is transferred directly to the applicant's bank account. For higher amounts, the money is paid to the vendor after a proforma invoice is submitted. Once the sanction order is issued, the funds reach the beneficiary through RTGS. Anyone who repays the full loan on time gets a 0.5% rebate on the interest, and borrowers who pay their earlier loan fully and on time are also spared a fresh site inspection.
| Loan Amount Range | Disbursement Method |
|---|---|
| Up to ₹1,00,000 | Transferred directly to the bank account |
| More than ₹1,00,000 | Paid to the vendor on submission of a proforma invoice |
Applicants should also be ready to arrange a guarantor for higher loan amounts. For loans up to ₹1,00,000 a self-guarantee can work, while larger loans require a government employee or an income tax payer as a guarantor. The purpose of the scheme remains strictly employment and income generation, so the funds cannot be used for personal or household spending.
Eligibility
To apply for Mukhyamantri Alpsankhyak Rozgar Rinn Yojana, a person has to meet a set of clear conditions. The applicant must be a permanent resident of Bihar and should apply in the home district. Membership of a notified minority community is required, and the age should be between 18 and 50 years. The total family income should be below ₹3,00,000 each year, and the applicant must not hold a government or semi-government job.
Preference is given to certain applicants during selection. These include women, people with disabilities, residents of rural areas and members of registered self-help groups. A religious belief certificate from a recognized body is required for applicants who are not from the Muslim community. Keeping documents like residence proof and income certificate ready makes the application smoother.
- Aadhaar card as identity proof along with two passport-size photographs.
- Minority community proof such as a religious certificate or a self-declaration.
- Bihar domicile certificate, income certificate from the CO or SDO office, and an Aadhaar-linked bank passbook.
- A business plan or a short note on the income-generating activity being planned, plus a PAN card if available.
Application Process
Applications for Mukhyamantri Alpsankhyak Rozgar Rinn Yojana are now accepted online only. This is a change from the earlier offline method, so applicants should follow the online steps carefully.
STEP 1 - Go to the official application portal at mmarry.user.bihar.gov.in and click on the register option. Fill in the name, email id, gender, mobile number and Aadhaar number in the registration form.
STEP 2 - Choose the project or business type from the list provided on the portal. The list covers many options such as general store, tailors shop, tea stall, poultry farming, mobile repair, e-rickshaw, garment shop and many other small and large projects.
STEP 3 - Select the project year, verify the mobile number with an OTP and complete the registration. After this, keep the login details safe because they are needed for later steps.
STEP 4 - Collect the application form and go through its format fully before filling it. Attach all required documents, including the community certificate, income certificate, domicile certificate and Aadhaar-linked bank passbook.
STEP 5 - Submit the form and stay in touch with the local District Minority Welfare Office for the checking process. A site inspection may be done to confirm the business proposal, and once everything is approved the loan is paid out through RTGS.
Applicants should maintain regular contact with the District Headquarters for updates on their application. Since applications are taken online only, it is best to complete the registration early and keep the documents in order to avoid delays.
Official Links and Downloads
For official information and application details, applicants can visit the BSMFC website and the Bihar government online portal. The official guidelines and loan details are available for download as PDF files.
Apply Online on Official Portal
References
FAQ's
Which communities are eligible for this scheme?
People from the notified minority communities, including Muslim, Sikh, Christian, Buddhist, Jain and Parsi, are eligible to apply.
What is the interest rate on the loan?
Men pay a simple annual interest of 5%, while women pay a lower rate of 4% per year. A 3-month moratorium is given before repayment starts.
What is the maximum loan amount?
The maximum loan amount available under the scheme is ₹5,00,000.
What is the repayment tenure?
The loan is repaid in 20 equal quarterly installments over a period of 5 years.
Are there any extra charges?
A 0.5% processing fee is deducted from the sanctioned amount, and a 0.5% rebate is offered for those who repay on time.
How can I apply online?
Applications are accepted online only through the official portal at mmarry.user.bihar.gov.in. Applicants register first and then submit the form with the required documents.
What is the age and income limit?
The applicant should be between 18 and 50 years of age, with a family income of less than ₹3,00,000 each year.
Can women apply for this loan?
Yes, women are encouraged to apply and they get a lower interest rate of 4% per year. Widows and women with disabilities get preference.
Do I need a guarantor?
For loans up to ₹1,00,000 a self-guarantee is enough. For higher amounts, a government employee or an income tax payer must act as a guarantor.
Can the loan be used for any purpose?
No, the funds must be used strictly for employment and income-generating activities such as starting or expanding a business.