Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Employment Programme – Uttarakhand

Description
The "Self-Employment Programme" is an initiative under the Deen Dayal Antyodaya Yojana – National Urban Livelihoods Mission DAY-NULM , implemented by the Nagar Nigam Dehradun under the Department of Urban Development, Government of Uttarakhand. The scheme aims to promote sustainable livelihoods and economic empowerment of the urban poor by providing financial support and guidance for establishing self-employment ventures, strengthening their family’s economy, and generating new employment opportunities.

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Benefits
• **Under the Self-Employment Programme**, the beneficiary in urban areas enhances their livelihood while strengthening their own and their family’s economic condition. - **Under the Self-Employment Programme**, the beneficiary is provided a loan of up to ₹2.00 lakh through the bank. - There is a provision for interest subsidy under the **Self-Employment Programme**, where 7% of the interest is borne by the beneficiary and the remaining is shared by the Government of India and the State Government. - **Under the Self-Employment Programme**, the beneficiary can generate new employment and also expand existing employment opportunities.
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Eligibility Criteria
1. The beneficiary must be a resident of Uttarakhand.
2. The beneficiary is eligible for this scheme under the municipal body area.
3. The annual income of the beneficiary&amp;#39;s family must be less than ₹3.00 lakh, as per the standards of the Government of India.
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Required Documents
• Aadhaar Card
• Income Proof or Self-Declared ₹10 Affidavit (stating that no loan has been taken earlier from any bank)
• Project Report of the activities to be undertaken by the beneficiary (with an estimated cost of up to ₹2.00 lakh)
• One Passport-Size Photograph
• Address Proof (Ration Card or Electricity Bill)
• Bank Passbook
• Other supporting documents as required

Frequently Asked Questions
Q: Who is eligible for the scheme?
A: Beneficiaries residing in municipal areas are eligible. The annual income of the beneficiary’s family must be less than ₹3.00 lakh, as per Government of India standards.
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Q: What financial support is provided under this scheme?
A: A loan of up to ₹2.00 lakh is provided to eligible beneficiaries through banks to establish self-employment ventures.
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Q: Is there an interest subsidy for the loan?
A: Yes, there is an interest subsidy where the beneficiary bears 7% of the interest, and the remaining is shared by the Government of India and the State Government.
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Q: Can beneficiaries generate employment through this programme?
A: Yes, beneficiaries can create new employment opportunities and expand existing self-employment ventures.
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Q: How is the application submitted?
A: The completed application form, along with all required documents, must be submitted to the municipal body.
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Q: Is there any fee for submitting the application?
A: No, the application submission process at the municipal level is free of charge.
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Q: How are applications evaluated?
A: Applications are scrutinized at the municipal body level. The task force committee reviews the documents, interacts with the beneficiary, and evaluates the feasibility of the project.
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Q: Can a beneficiary apply if they have taken a loan from a bank before?
A: No, beneficiaries who have previously taken a bank loan are not eligible for this scheme.
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Q: How is the loan disbursed?
A: After evaluation and approval by the task force, the municipal body sends the loan application to the relevant bank, which disburses the loan to the beneficiary.
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