Mukhyamantri Gramodyog Rojgar Yojana UP 2026: Apply Online for ₹10 Lakh Loan

Uttar Pradesh government's Mukhyamantri Gramodyog Rojgar Yojana is accepting online applications at upkvib.gov.in. Under this scheme, the unemployed youth can get a bank loan up to ₹10 lakh to set up a village industry unit in rural areas. CM Yogi Adityanath government runs this scheme to create self-employment opportunities across the state.

The scheme is a credit-linked interest subsidy scheme. It is implemented by Uttar Pradesh Khadi and Village Industries Board (UPKVIB). The board gives interest subsidy on the bank loan, so the eligible people pay less interest. General category applicants get 50 percent interest subsidy, while SC, ST, OBC, women, disabled and ex-servicemen get 100 percent interest subsidy.

Mukhyamantri Gramodyog Rojgar Yojana UP Highlights

Detail	Information
Scheme Name	Mukhyamantri Gramodyog Rojgar Yojana UP
Launched By	Uttar Pradesh government
Implementing Department	Uttar Pradesh Khadi and Village Industries Board (UPKVIB)
Beneficiaries	Unemployed youth of Uttar Pradesh
Loan Amount	Up to ₹10 lakh
Interest Subsidy	50% for general, 100% for SC/ST/OBC/women/disabled/ex-servicemen
Application Mode	Online
Official Website	upkvib.gov.in

How to Apply Online for Mukhyamantri Gramodyog Rojgar Yojana UP

Below is the complete process to fill the Mukhyamantri Gramodyog Rojgar Yojana online registration form.

STEP 1 - Visit the official portal of Uttar Pradesh Khadi and Village Industries Board at upkvib.gov.in.

STEP 2 - On the homepage, go to the "Online Services" section and click on the "Mukhyamantri Gramodyog Rojgar Yojana" link.

STEP 3 - The Mukhyamantri Gramodyog Rojgar Yojana e-portal will open as shown below.

STEP 4 - On this portal, click on the "Click here for online application" link to open the Mukhyamantri Gramodyog Rojgar Yojana online registration form.

STEP 5 - Here applicants can enter aadhaar number, name and mobile number, then click on the "Register" button to complete the online registration process.

Mukhyamantri Gramodyog Rojgar Yojana UP Login

Below is the complete process to make the Mukhyamantri Gramodyog Rojgar Yojana login.

STEP 1 - Visit the official portal at upkvib.gov.in.

STEP 2 - On the homepage, go to the "Online Services" section and click on the "Mukhyamantri Gramodyog Rojgar Yojana" link.

STEP 3 - The Mukhyamantri Gramodyog Rojgar Yojana e-portal will open.

STEP 4 - On this portal, click on the "Click here to login" link to open the login page.

STEP 5 - Here applicants can enter user ID and password, then click on the "Login" button to complete the login process.

Track Application Status for Mukhyamantri Gramodyog Rojgar Yojana

Below is the complete process to track the Mukhyamantri Gramodyog Rojgar Yojana application status.

STEP 1 - Visit the official portal at upkvib.gov.in.

STEP 2 - On the homepage, go to the "Online Services" section and click on the "Mukhyamantri Gramodyog Rojgar Yojana" link.

STEP 3 - The Mukhyamantri Gramodyog Rojgar Yojana e-portal will open.

STEP 4 - On this portal, click on the "View application status" link to open the status tracking page.

STEP 5 - Here applicants can enter the applicant ID and click on the "View Application Status" button to check the application status.

Download Mukhyamantri Gramodyog Rojgar Yojana Application Form PDF

Below is the complete process to download the Mukhyamantri Gramodyog Rojgar Yojana application form PDF.

STEP 1 - Visit the official portal at upkvib.gov.in.

STEP 2 - On the homepage, go to the "Online Services" section and click on the "Mukhyamantri Gramodyog Rojgar Yojana" link.

STEP 3 - The Mukhyamantri Gramodyog Rojgar Yojana e-portal will open.

STEP 4 - On this portal, click on the "Download required formats" link to download the application formats.

STEP 5 - Here the "DPR" format and the "Workplace certificate" can be downloaded using the "Download" link. Click on the workplace certificate download link to open the Mukhyamantri Gramodyog Rojgar Yojana application form PDF.

STEP 6 - This application form serves as the details of the unit location as well as the address proof for the applicant.

Eligibility Criteria

Before applying for the Mukhyamantri Gramodyog Rojgar Yojana, check the eligibility criteria given below.

• The applicant must be a resident of Uttar Pradesh.
• Only unemployed youth can apply for the scheme.
• The age of the applicant should be between 18 and 40 years.
• 50 percent of the beneficiaries will be from SC, ST and OBC categories.
• Unemployed youth who have completed technical training from ITI and polytechnic institutes get priority.
• If the youth has worked somewhere, a certificate of experience is required.

Documents Required

Keep the following documents ready while applying for the scheme.

• Aadhaar card
• Full summary of the project plan
• Passport size photo
• Caste certificate
• Educational qualification certificate
• Age proof
• Certified copy of the unit location where the business will start, verified by the village head or executive officer

For any other information related to the scheme, you can read the guidelines or contact the numbers 2208321, 2208310, 2208313 and 2207004.

Objective of the Scheme

The main aim of the Mukhyamantri Gramodyog Rojgar Yojana is to solve the growing unemployment in rural areas, stop the migration of educated rural youth to cities, and provide more employment opportunities in the villages itself. For this, the state government provides capital loan up to ₹10 lakh to individual entrepreneurs in rural areas through banks. For general category beneficiaries, the interest amount above 4 percent is given as interest subsidy. For reserved category beneficiaries, the full interest amount is given as interest subsidy.

Scheme Period

The scheme remains in force for 5 years from the date of issue of the notification.

Work Area

The scheme covers the rural areas defined by the government under the UP Panchayat Raj Act and the rural areas defined by the Khadi and Village Industries Commission and the Reserve Bank of India.

Eligible Entrepreneurs

Under the scheme, the following entrepreneurs are given benefit in order of priority.

1. Unemployed youth who have completed technical training from ITI and polytechnic institutes get priority.
2. Educated unemployed youth whose age for government service has ended.
3. Candidates trained under SGSY and other government schemes.
4. Traditional artisans.
5. Women interested in self-employment.
6. Candidates who have passed vocational education (10+2) with village industry subject.
7. Candidates who have registered with the employment exchange office of their district.

Selection of Beneficiaries

Beneficiaries are selected by the selection committee formed by the UP Khadi and Village Industries Board or the government, or by the district level committee headed by the District Magistrate, Chief Development Officer or Sub Divisional Officer. It is necessary to make sure that the entrepreneur has received the required training before taking the loan, has their own contribution, and is a resident of the village or wants to set up an industry in the rural area.

Selection Criteria for Beneficiaries

1. The age of the beneficiary should not be less than 18 years and not more than 50 years.
2. Up to 50 percent of the beneficiaries should be from SC, ST and OBC categories.
3. The village industry unit is decided after assessing the availability of local raw material.
4. Priority is given to units that produce goods for the daily needs of local consumers.

Loan Limit

Under the scheme, all eligible entrepreneurs get interest subsidy on bank loan up to ₹10 lakh, including term loan and working capital. General category entrepreneurs have to bear 10 percent of the project cost as their own contribution, while SC, ST, women, disabled, minority and ex-servicemen entrepreneurs have to bear 5 percent of the project cost.

Margin Money and Security

The margin money, guarantee and security conditions apply as per the instructions issued by the Reserve Bank of India from time to time. The loan amount up to ₹10 lakh is exempt from guarantee as per the Reserve Bank of India.

Refinance

For the loans given by banks under the scheme, refinance is provided by the National Bank for Agriculture and Rural Development and the Small Industries Development Bank of India.

Interest Subsidy Eligibility Certificate

The eligibility certificate for giving interest subsidy on the approved bank loan is issued by the District Village Industry Officer. The renewal is also done by the same officer.

Payment of Interest Subsidy Claims

The interest subsidy amount is kept in a bank account and the payment is made to the bank branch through RTGS. The District Village Industry Officer keeps a full record of the units and sends the details to the headquarters every month. The monitoring is done by the Mukhyamantri Gramodyog Rojgar Yojana section at the headquarters.

Related Industries

Under the scheme, the village industry units identified by the Khadi and Village Industries Commission and approved by NABARD are covered. These projects have a cost of up to ₹10 lakh.

Loan Disbursement and Interest Subsidy Process

1. Loan applications are received by the District Village Industry Officer through various institutions, direct contact and advertisements.
2. The list of received applications is given to all members of the selection committee, and the selected entrepreneurs' applications are sent to the proposed bank branch.
3. The bank branch manager keeps the applications in the register under the scheme and completes the loan approval process within a maximum of 6 weeks.
4. The bank branch informs the District Village Industry Officer and the entrepreneur about the approved loan.
5. If an application is found unsuitable, the branch gives detailed information to the controlling officer of the bank.
6. After the formalities are completed, the bank gives the loan and informs the District Village Industry Officer after the project is completed.
7. The interest subsidy is adjusted in the loan account of the entrepreneur every 6 months.
8. Interest subsidy is not given if the entrepreneur misuses the loan, does not complete the project, the account is declared default, or the unit is closed.

Additional Working Capital

If the unit receives a big supply order or export order that needs additional working capital, the lending bank has to consider increasing the working capital limit.

Awareness Training Camps

To attract beneficiaries and give information about the scheme to the rural people, awareness training camps are organized at the block level. One percent of the interest subsidy amount approved by the government is kept for this.

Publicity of the Scheme

For the publicity of the scheme, hoardings, pamphlets and handbills are printed and publicity is done through radio and TV. One percent of the total interest subsidy amount is kept for this.

Revival of Units

If a previously financed unit becomes sick or closed due to a natural disaster or unavoidable reason, the district level committee assesses the reasons and decides to finance the unit again with interest subsidy as per the rules.

Evaluation and Monitoring

For the successful running of the scheme, the physical verification of the units is done 100 percent by the District Village Industry Officer, 20 percent by the regional officer and 5 percent by the headquarters officers. The state evaluation and monitoring division also does random evaluation of the scheme.

Recovery

If a unit misuses the loan amount or the unit is not set up and run as per the project, the banks recover the loan from the unit. The government subsidy amount given by the department is also recovered by the banks and kept in the board headquarters account for further use.

FAQ's

How much loan is available under the scheme?

Eligible entrepreneurs can get a bank loan up to ₹10 lakh, including term loan and working capital, for setting up a village industry unit.

Who gets the interest subsidy?

General category applicants get 50 percent interest subsidy, while SC, ST, OBC, women, disabled and ex-servicemen get 100 percent interest subsidy on the loan.

How to apply for the scheme?

Applicants can apply online through the official portal at upkvib.gov.in. The complete application process is given above in this article.

For more details about the scheme, read the guidelines on the official website at upkvib.gov.in. You can also check the Yogi Adityanath Schemes list and related schemes like Pandit Deendayal Gramodyog Rojgar Yojana and UP Mukhyamantri Yuva Swarojgar Yojana.