Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana

Description
The scheme “Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana” was introduced by the Cooperative Department, Government of Uttarakhand. The scheme aims to provide interest-free loans to farmers and self-help groups for agricultural and non-agricultural activities to promote self-employment and strengthen the rural economy.

Exclusions
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Benefits
• Under the scheme, an interest-free loan of up to ₹1.00 lakh is provided for agricultural activities, up to ₹3.00 lakh for non-agricultural activities (such as animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms, floriculture, horticulture, agricultural processing, farm mechanization, organic farming, off-season vegetable cultivation, poly-house farming, etc.), and up to ₹5.00 lakh for self-help groups (SHGs).
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Eligibility Criteria
1. The applicant must be a general, small, or marginal farmer, or a farmer living below the poverty line, including their family members or a self-help group (SHG) from Uttarakhand.
2. The applicant must be a member of the cooperative society in their respective area or hold a savings account in the District Cooperative Bank.
3. Only one member from a family will be eligible to receive benefits under the scheme.
4. The benefits of the scheme will not be extended to defaulting cooperative members.
5. Currently, there is no income limit prescribed for farmers to avail of the scheme’s benefits.
6. ***(Note: A small farmer is one who owns up to 5 acres of unirrigated land or up to 2.5 acres of irrigated land. A marginal farmer is one who owns up to 2.5 acres of unirrigated land or up to 1.25 acres of irrigated land.)***
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Required Documents
• Recent photograph of the applicant
• Aadhaar Card
• PAN Card
• Detailed work plan/project plan
• Annual income and expenditure statement
• Details of any existing loans
• Information on movable and immovable assets (such as land, deposits, etc.)
• Other supporting documents as required

Frequently Asked Questions
Q: Who is eligible to apply under this scheme?
A: General, small, and marginal farmers, farmers living below the poverty line (BPL), their family members, and self-help groups (SHGs) are eligible, provided they are members of a cooperative society or hold a savings account in the District Cooperative Bank.
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Q: What is the loan amount available under the scheme?
A: - Up to ₹1.00 lakh for agricultural activities.
- Up to ₹3.00 lakh for non-agricultural activities (e.g., animal husbandry, poultry, fisheries, horticulture, etc.).
- Up to ₹5.00 lakh for self-help groups (SHGs).

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Q: What activities are covered under non-agricultural work?
A: Non-agricultural activities include animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms, floriculture, horticulture, organic farming, agricultural processing, mechanization, poly-house farming, and off-season vegetable production.
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Q: What is the definition of a small and marginal farmer under the scheme?
A: - Small Farmer: Owns up to 5 acres of unirrigated land or up to 2.5 acres of irrigated land.
- Marginal Farmer: Owns up to 2.5 acres of unirrigated land or up to 1.25 acres of irrigated land.

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Q: Can more than one member of a family apply for the loan?
A: No. Only one member per family is eligible to avail of the benefits under this scheme.
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Q: Are there any income limits prescribed under the scheme?
A: No. Currently, there is no income limit prescribed for farmers to avail of the scheme’s benefits.
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Q: Are defaulters of cooperative societies eligible for this loan?
A: No. Defaulters of any cooperative institution are not eligible for benefits under this scheme.
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Q: Who is responsible for selecting the beneficiaries?
A: A Block-Level Committee reviews all applications and selects eligible beneficiaries. The committee then approves and forwards the cases for loan disbursement under the scheme.
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