The Mukhyamantri Rojgaar Srijan Yojana is a self-employment and entrepreneurship promotion scheme launched by the Department of Scheduled Tribe, Scheduled Caste, Minority and Backward Class Welfare, Government of Jharkhand. The objective is to provide subsidized loans, skill training, and entrepreneurship support to eligible candidates belonging to ST, SC, Minority, Backward Class, and Persons with Disabilities (PwDs) categories.
Benefits
• Subsidized Loan:
– 40% subsidy on loans or maximum ₹5,00,000/- (whichever is lower)
– EMI calculated on remaining loan after subsidy
• Loan Guarantee Facility:
– Loans up to ₹50,000/- require no guarantor
– For loans above ₹50,000/-, a guarantor or collateral is required
• Low Interest Rate:
– 6% interest on the loan amount
• Training Support:
– Mandatory entrepreneurship development training before disbursement
• Margin Money:
– For loans above ₹50,001/-, 10% margin money to be deposited by the applicant
Eligibility
• Age: 18 to 50 years
• Permanent resident of Jharkhand
• Annual family income should not exceed ₹5,00,000
• Must not be in government/semi-government employment
• Must not be a loan defaulter in any bank
• Only eco-friendly businesses allowed (alcohol, drugs, polythene-related activities are prohibited)
• For PwDs, minimum disability should be 40%
Application Process
Online Process
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Visit the official portal: Mukhyamantri Rojgaar Srijan Yojana – Jharkhand
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Click on “Registration”, fill in Aadhaar Number, Date of Birth, Mobile Number, and Email ID
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After successful registration, log in using your Mobile Number and last 8 digits of Aadhaar
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Fill in the application form, upload documents, photo, and signature
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Click on “Submit”, receive application ID and download the acknowledgment
Offline Process
Documents Required
• Recent passport-size Photograph
• Residential Certificate (issued online)
• Caste Certificate (issued online)
• Income Certificate (issued online)
• Aadhaar and PAN Card copies
• First page of Bank Passbook
• Scheme Proposal (for loans above ₹50,000/- except vehicle loans)
• Due Diligence Report (for business loans of ₹10 lakhs or more)
• Training Certificate (if available)
• Self-declaration on stamp paper
• Guarantor Certificate (signed, for loans above ₹50,000/-)
• Guarantor’s Aadhaar, PAN, and Salary Slip / ITR
• Disability Certificate (if applicable)
Frequently Asked Questions (FAQs)
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Who is eligible for the scheme?
ST, SC, Minority, Backward Class candidates and PwDs aged 18–50, who are permanent residents of Jharkhand. -
What is the loan subsidy provided under this scheme?
40% of the loan amount or a maximum of ₹5,00,000, whichever is lower. -
Is a guarantor required for the loan?
Not required for loans up to ₹50,000. Required for loans above ₹50,000 (except vehicle loans). -
What is the interest rate for the loan?
A low interest rate of 6%. -
Can individuals from urban areas apply for the scheme?
Yes, the scheme is applicable in both rural and urban areas. -
What types of businesses are eligible for the scheme?
Any environment-friendly business venture. Alcohol, polythene, and drug-based businesses are excluded. -
How is the loan disbursed to the beneficiaries?
Disbursed via bank after successful training and document verification. -
What documents are required to apply for the scheme?
Aadhaar, PAN, income and caste certificates, bank passbook, project report, guarantor documents, etc. -
How can I apply for the scheme?
Through the official portal by registering, filling the form, uploading documents, and submitting. -
Is there any age relaxation for applicants?
No, the age limit is strictly between 18 and 50 years. -
Can I avail of the scheme benefits if I am already employed?
No, the applicant should be unemployed and not working in any government/semi-government job.