Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana gives interest-free loans to farmers and self-help groups in Uttarakhand. The Cooperative Department, Government of Uttarakhand runs this scheme to support self-employment and strengthen the rural economy through agricultural and non-agricultural work.
The scheme is still active in 2026. It helps small and marginal farmers, families below the poverty line, and self-help groups (SHGs) get loans without paying any interest. This reduces the money burden on rural families and helps them become self-reliant.
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana - Introduction
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana is a state-level scheme launched by the Cooperative Department, Government of Uttarakhand. It was started on 01 October 2017. The main aim is to stop migration from rural areas, create jobs, and give farmers a way to earn through self-employment.
Farmers who are members of cooperative societies can get interest-free loans for crop cultivation and allied activities. Self-help groups can also get loans to run their group activities. The loan is given through cooperative societies and District Cooperative Banks (DCB).
Selected applicants receive the loan through their local PACS (Primary Agricultural Credit Society) or DCB branch. A block-level committee reviews the applications and picks the beneficiaries.
Key Information
| Feature | Details |
|---|---|
| Scheme Name | Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana |
| Beneficiary State | Uttarakhand |
| Target Beneficiary | Small and marginal farmers, BPL families, Self-Help Groups |
| Benefit Type | Interest-free cash loans |
| Nodal Department | Cooperative Department, Government of Uttarakhand |
| Started On | 01 October 2017 |
| Application Mode | Offline through cooperative society or bank branch |
Benefits
This scheme gives interest-free access to funds so farmers and groups can grow their farming or business work. Here is the support available:
| Beneficiary Category | Maximum Loan Amount |
|---|---|
| Agricultural Activities | ₹1.00 Lakh |
| Non-Agricultural Activities | ₹3.00 Lakh |
| Self-Help Groups (SHGs) | ₹5.00 Lakh |
These funds can be used for dairy, poultry, fisheries, mushroom farming, horticulture, organic farming, floriculture, spice cultivation, and setting up poly-houses.
Eligibility
To get the benefit, the applicant should meet these conditions:
- The applicant must be a general, small, or marginal farmer or belong to a family below the poverty line in Uttarakhand.
- The applicant should be a member of a local cooperative society or hold a savings account in a District Cooperative Bank.
- Only one member per family can get this benefit.
- The applicant must not be a defaulter of any cooperative society.
- There is no specific income limit required to apply.
For example, if Ramesh owns 2 acres of irrigated land, he qualifies as a marginal farmer. If Suresh owns 4 acres of unirrigated land, he qualifies as a small farmer.
Application Process
STEP 1 - Visit your local cooperative society or bank branch and collect the application form.
STEP 2 - Attach the required documents, including your Aadhaar card, PAN card, recent photograph, asset details, and a clear work plan.
STEP 3 - Include details of two guarantors and their financial assets.
STEP 4 - Submit the completed form to the relevant committee. A block-level committee reviews the application and selects the beneficiaries.
STEP 5 - For self-help groups, keep a project proposal ready and maintain a bank account with a cooperative institution.
STEP 6 - If you are applying for a crop loan, the cooperative bank handles the insurance under the Pradhan Mantri Fasal Bima Yojana.
If you are not yet a member of a cooperative society, you can join by visiting the society office, filling out the membership form, and paying a fee of ₹108.
Documents
Keep the following documents ready for your application:
- Recent passport-sized photograph.
- Aadhaar card.
- PAN card.
- Detailed project or work plan.
- Annual income and expenditure statement.
- Clear details of any existing loans.
- Information about movable and immovable assets, such as land or bank deposits.
References
Download Deen Dayal Circular PDF
FAQ's
Who is eligible to apply under this scheme?
General, small, and marginal farmers, families below the poverty line, and self-help groups in Uttarakhand are eligible, provided they are active members of a cooperative society.
What is the loan amount available under the scheme?
You can get up to ₹1.00 lakh for farm activities, ₹3.00 lakh for non-agricultural work, and up to ₹5.00 lakh for self-help groups.
What activities are covered under non-agricultural work?
Common activities include dairy, fisheries, mushroom farming, poultry, floriculture, spice cultivation, and setting up poly-houses.
What is the definition of a small and marginal farmer?
A farmer with up to 5 acres of unirrigated land (or 2.5 acres of irrigated land) is a small farmer, while someone with up to 2.5 acres of unirrigated land (or 1.25 acres of irrigated land) is a marginal farmer.
Can more than one member of a family apply for the loan?
No, the benefit is restricted to only one member per family.
Are there any income limits prescribed under the scheme?
No, there is currently no income threshold for eligibility.
Are defaulters of cooperative societies eligible for this loan?
No, if you are a defaulter of any cooperative institution, you will not be eligible.
Who is responsible for selecting the beneficiaries?
Your application is reviewed by a block-level committee that manages the selection and approval process for loan disbursements.