Bihar Mukhyamantri Alpsankhyak Rojgar Rin Yojana 2026: Apply Online for ₹5 Lakh Minority Loan

Bihar State Minorities Financial Corporation (BSMFC) accepts online applications for Mukhyamantri Alpsankhyak Rojgar Rin Yojana 2026 on the official portal mmarry.user.bihar.gov.in. Under this Chief Minister Minority Employment Loan Scheme, the state government provides loans up to ₹5 lakh to unemployed youth from minority communities for self-employment and small business.

The scheme is implemented by the Minority Welfare Department, Government of Bihar, through Bihar State Minorities Financial Corporation Limited (BSMFC). Applications are taken online only, and applicants have to register on the official portal before filling the form.

Bihar Mukhyamantri Alpsankhyak Rojgar Rin Yojana Highlights

Mukhyamantri Alpsankhyak Rojgar Rin Yojana has been operating in Bihar for many years and continues to accept fresh applications in the current financial year 2026-27. The loan is meant strictly for income-generating work such as opening a shop, setting up a small unit or starting any self-employment activity. Key details of the scheme are given below.

How to Apply Online for Mukhyamantri Alpsankhyak Rojgar Rin Yojana

Applications for the scheme 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, tailor 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 - Read the application form 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 (DMWO) 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.

Benefits of the Scheme

The main benefit of the scheme 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 applicant through RTGS. Anyone who repays the full loan on time gets a 0.5% rebate on the interest.

• Interest: After a 3-month moratorium, 5% simple interest is charged on the loan amount. Women pay a lower rate of 4% per year.
• Repayment: The loan is repaid in 20 equal quarterly installments over a period of 5 years.
• Processing charge: 0.5% of the sanctioned amount is deducted before the RTGS payment.
• Rebate: If the entire loan amount is returned on time, a waive of 0.5% on the outstanding interest is given.

Eligibility Criteria

To apply for the scheme, 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.

1. Applicant age must be between 18 and 50 years.
2. Applicant must be a permanent resident of Bihar and should apply in the home district.
3. Applicant must belong to a notified minority community.
4. Total family income should be below ₹3,00,000 each year.
5. Applicant must not be in government or semi-government service.
6. Loan amount must be used for employment and income generation only.

Communities Covered

The scheme covers people from the notified minority communities. As per the National Commission for Minorities Act, 1992, the notified minorities are Muslims, Christians, Sikhs, Buddhists and Parsis. The Jain community was added to the list in January 2014.

1. Muslim
2. Sikh
3. Christian
4. Buddhist
5. Jain
6. Parsi

Documents Required

Applicants should keep the following documents ready before starting the online application:

• 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.

Guarantor Requirement

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.

Loan Disbursement and Recovery

After the sanction order is issued, the loan amount is transferred to the bank account of the selected applicant through RTGS. If the sanctioned amount is more than ₹1 lakh, the money is transferred to the vendor's account after receiving a quotation or proforma bill. If the amount is less than ₹1 lakh, it is transferred directly to the applicant's account.

Failure to pay the EMIs on time leads to compounded interest being recovered at the end of the financial year. Candidates also have to deposit 10 to 20 post-dated cheques at the time of loan approval.

Download Application Form PDF

Applicants can download the Bihar Mukhyamantri Alpsankhyak Rojgar Rin Yojana application form PDF through the links given below:

• Bihar Mukhayamantri Alpsankhyak Rozgar Rin Yojana Application Form PDF
• MMRRY Scheme PDF from BSMFC
• Mukhyamantri Alpsankhyak Scheme Details PDF

Contact Details

For any help, applicants can contact Bihar State Minorities Financial Corporation Limited, Patna. The helpline number is 0612-2204975 and the toll-free number is 18003456123. Emails can be sent to minocorpatna@gmail.com or bsmfclpatna-bih@gov.in. More details are available on the BSMFC official website and the official contact page.

Related Schemes

Bihar government also runs Mukhyamantri Alpsankhyak Udyami Yojana for minority entrepreneurs, which offers up to ₹10 lakh support with a mix of grant and interest-free loan. A full list of state schemes is available on the Bihar government schemes list page.

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.

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.