Rajiv Gandhi Swavlamban Rojgar Yojana Delhi 2026 - Loan Amount, Subsidy, Eligibility & Online Application at rgsry.co.in
Delhi Khadi & Village Industries Board is running Rajiv Gandhi Swavlamban Rojgar Yojana (RGSRY) for unemployed youths, artisans, skilled workers and small business owners in Delhi. Under this scheme, eligible people can get a loan of up to ₹3,00,000 to start or expand a small business, along with a 15% government subsidy capped at ₹7,500 per person. Modified scheme rules were last updated by the Board on 23 February 2026, so the scheme is running and open for applications.
Delhi government runs this scheme through Delhi Khadi & Village Industries Board to give a push to self-employment in the city. Anyone between 18 and 50 years of age, staying in Delhi, can apply for a loan under RGSRY to start work in tiny industry, trade, transport, hotel, restaurant or service sector. Applications can be filed online at rgsry.co.in or offline at the Board office. This article explains loan amount, subsidy, eligibility, documents, interest rate, repayment rules and the full apply process for RGSRY 2026.
Rajiv Gandhi Swavlamban Rojgar Yojana 2026 Details
RGSRY is a loan-linked self-employment scheme run by Delhi Khadi & Village Industries Board (DKVIB) with the Government of NCT of Delhi. The scheme helps unemployed youth, artisans, trained workers and skilled technicians of Delhi to set up their own small business or expand an existing one. It covers three broad sectors as shown in the table below.
| Sector Group | Type of Work Covered |
|---|---|
| Secondary Sector | Tiny and cottage industries |
| Tertiary Sector | Trade, transport, hostels and restaurants (liquor and meat shops not allowed) |
| Services Sector | Any service work allowed under the Delhi Master Plan |
Loan under this scheme has a fixed 5 year term. You have to pay it back in equal quarterly parts. Repayment starts after a 12 month moratorium period from the date of loan release. Interest is charged from the date of each payout at the rate fixed by NCT Delhi, which is 10% at present. You need to give post-dated cheques to the Board for smooth payment.
You must use the loan money for the business purpose you applied for, and within 3 months of getting it. If more time is needed, the Managing Director can give a grace period of up to another 3 months. If the money is not used in time, the Board will treat it as misuse and recover the full amount with 18% penal interest.
To secure the loan, you have to give a surety from a permanent government employee working in Delhi under GNCTD, Central Government or an autonomous body. RGSRY also has a training part for school and college dropouts, where they learn basic skills, bookkeeping, product costing and how to plan a project. On top of that, the Board gives marketing support by giving space at Delhi Emporium and stalls in big trade fairs and exhibitions.
RGSRY 2026 Highlights
| Detail | Information |
|---|---|
| Scheme Name | Rajiv Gandhi Swavlamban Rojgar Yojana (RGSRY) |
| Launched By | Delhi Khadi & Village Industries Board, Government of NCT of Delhi |
| Beneficiaries | Unemployed youth, artisans, skilled workers and small business owners in Delhi |
| Age Limit | 18 to 50 years |
| Loan Amount | Up to ₹3,00,000 |
| Subsidy | 15% of project cost, up to ₹7,500 per person |
| Interest Rate | 10% (as fixed by NCT Delhi) |
| Repayment | 5 years, equal quarterly parts, after 12 month moratorium |
| Self Contribution | 10% of project cost (5% for SC/ST/OBC, women, PwD, ex-servicemen) |
| Application Mode | Online and Offline |
| Official Website | rgsry.co.in and dkvib.delhi.gov.in |
Loan and Subsidy Benefits Under RGSRY
Main money benefit under this scheme is the loan plus a small subsidy. The table below shows how much a person can get.
| Benefit Type | Amount |
|---|---|
| Maximum Loan | Up to ₹3,00,000 |
| Government Subsidy | 15% of project cost, up to ₹7,500 per person |
| Interest Rate | 10% (fixed by NCT Delhi) |
| Loan Term | 5 years |
You are required to put in at least 10% of the loan amount from your own pocket. For people from poor sections like SC, ST, OBC, women, people with disability and ex-servicemen, this share is only 5%. If two or more people join hands and apply as a partnership, subsidy is worked out for each partner on their share, still capped at ₹7,500 each. Subsidy amount is put into your loan account only after you pay the loan on time for 2 full years.
Apart from money, the Board also gives support on the ground. Trainees get help with skill training, book keeping and project costing. Ready products can be shown at Delhi Emporium and put up at trade fairs and exhibitions the Delhi government runs from time to time.
Who Can Apply for Rajiv Gandhi Swavlamban Rojgar Yojana
To apply for RGSRY loan in Delhi, you need to be a resident of Delhi and fit into any of the groups the Board has fixed. Basic age rule is 18 to 50 years for everyone. Common eligible groups are given below.
- School or college dropouts who want to start their own small work or business in Delhi.
- Individual entrepreneurs and trade professionals planning to open a shop or unit.
- Artisans and skilled craftsmen who already have a hand-skill and want to grow it.
- People holding a certificate from any government recognised technical or professional institute.
- Small industrial units in Delhi that stay within the investment limits set by the Central Government.
For example, if a 25 year old artisan in Delhi wants to grow his workshop and buy new tools, he can apply for RGSRY as long as he has his ID proof, work address papers and a surety ready.
Who Cannot Apply
You cannot get a loan under RGSRY if you have already taken a loan for the same or a similar work from any government-controlled financial body and that loan is still not paid off, or was earlier marked as misused. People staying outside Delhi are also not covered under this scheme.
Documents Required for RGSRY Loan Application
Before you sit down to fill the form, keep all papers ready. This saves time both online and at the Board office. Main documents needed are given below.
- ID proof such as Aadhaar card, voter ID card or passport.
- Two recent passport size photos.
- Education qualification certificates.
- Work address papers like ownership proof, rent agreement or a latest electricity bill.
- A signed declaration in the fixed format given by the Board.
- Consent letter from your surety or guarantor working in a Delhi government office.
- Proof of your own share (equity) in the project.
- For business or professional units, an MCD registration certificate.
- For industrial units in non-conforming areas, NOC from the High Power Committee and MCL.
For online forms, upload files in JPEG, JPG, PNG, GIF or PDF only. Each file size should be within 2 MB.
RGSRY Online Application Process at rgsry.co.in
Online form for Rajiv Gandhi Swavlamban Rojgar Yojana is filed at the DKVIB portal rgsry.co.in. The full apply process is short and can be done from home. Steps are given below.
STEP 1 - Open the official RGSRY portal at rgsry.co.in in a browser and click on the 'New Registration' or Applicant Registration link on the home page.
STEP 2 - Fill your Aadhaar number, name, mobile number and email ID in the registration form. Set a password and submit to create your login.
STEP 3 - Log in with your registered user ID and password on the same portal to open the RGSRY loan application form.
STEP 4 - Fill in personal details, project details, loan amount needed, surety details and any past business info. Cross check every field with the documents you plan to upload.
STEP 5 - Upload scanned copies of ID proof, photo, address papers, surety consent and other required documents in JPEG, JPG, PNG, GIF or PDF format within 2 MB each.
STEP 6 - Review the full form once. Click on the 'Submit' button to file the loan application. Save or note down the application number for future check.
RGSRY Offline Application at DKVIB Office
If you want to apply offline, you can visit the Delhi Khadi & Village Industries Board office with your form and papers. Applications are taken on a first-come-first-served basis, so it helps to reach early. Steps are given below.
STEP 1 - Download the RGSRY application form from the official DKVIB website at dkvib.delhi.gov.in or collect it from the Board office.
STEP 2 - Fill the form by hand in block letters. Attach self-attested copies of ID proof, photos, address papers, education certificates and surety consent letter.
STEP 3 - Submit the filled form along with documents at the DKVIB office. An ADO or Nodal Officer at the office will help with any query.
STEP 4 - Collect the receipt or acknowledgement slip and keep it safe. You can use it later to check your application status with the Board.
RGSRY Loan Repayment Rules
Loan under this scheme runs for 5 years and is paid back in equal quarterly parts. First payment starts only after a 12 month moratorium from the date the Board releases the loan. Interest at 10% per year is charged from the date of each payout, so keep track of your first release date. If you miss the repayment or use the money for some other purpose, the Board will recover the full loan with 18% penal interest.
Related Scheme
Delhi government also runs other loan and self-employment schemes for city residents. If you are looking for vehicle-based self-employment, the Delhi Self Employment Loan Scheme for Battery Operated E-Rickshaws can be a good option. For skill training with a monthly stipend and job or self-employment support, see the Delhi Skill Training Scheme.
Reference Links
- Modified RGSRY Scheme Guidelines
- Delhi Khadi & Village Industries Board Official Website
- RGSRY Online Application Portal
FAQ's
What is Rajiv Gandhi Swavlamban Rojgar Yojana?
It is a self-employment loan scheme run by Delhi Khadi & Village Industries Board for unemployed youth, artisans and skilled workers in Delhi. It gives a loan of up to ₹3,00,000 with a 15% government subsidy up to ₹7,500 per person.
Is RGSRY still running in 2026?
Yes, the scheme is running. Modified RGSRY scheme guidelines were last updated by DKVIB on 23 February 2026, and applications are open online at rgsry.co.in and offline at the DKVIB office.
What is the maximum loan amount under RGSRY?
You can get a loan of up to ₹3,00,000 for your project under this scheme. On top of that, a 15% subsidy on project cost is given, capped at ₹7,500 per person.
What is the interest rate on RGSRY loan?
Interest rate is 10% per year as fixed by NCT Delhi. Interest is charged from the date the Board releases the loan, not from the date you start repayment.
How much do I need to contribute from my own side?
You need to bring 10% of the project cost as your own share. For SC, ST, OBC, women, people with disability and ex-servicemen, this is reduced to 5%.
Can I apply if I am 45 years old?
Yes. The age band for RGSRY is 18 to 50 years, so a 45 year old resident of Delhi can apply if he or she fits the other rules and can give a proper surety.
Do I need a guarantor for the RGSRY loan?
Yes, a surety is required. Your guarantor must be a permanent government employee currently working in Delhi under GNCTD, Central Government or an autonomous body.
What happens if the loan money is misused?
If the Board finds that the loan was used for some other work, or not used within 3 months (or 6 months with grace), it will recover the full loan with an 18% penal interest.
Does RGSRY also give marketing support?
Yes. Beneficiaries can show their products at Delhi Emporium and get stall space in trade fairs and exhibitions run by the Delhi government from time to time.