Mukhyamatri Rojgaar Srijan Yojana

Description
The "Mukhyamantri Rojgaar Srijan Yojana" was launched by the Department of Scheduled Tribe, Scheduled Caste, Minority and Backward Class Welfare, Government of Jharkhand. The scheme aims to promote self-employment and entrepreneurship among Scheduled Tribes ST , Scheduled Castes SC , Minorities, Backward Classes, and Persons with Disabilities PwDs by providing subsidized loans and financial assistance.

Benefits
• Subsidized Loan for Self-Employment:
• 40% subsidy on loans or a maximum of ₹5,00,000/-, whichever is lower.
• EMI will be calculated on the remaining loan amount after deducting the subsidy.
• Loan Guarantee Facility:
• Loans up to ₹50,000/- do not require a guarantor.
• For loans above ₹50,000/-, a guarantor or collateral (movable/immovable property) is required.
• Low Interest Rate:
• Loans are provided at an interest rate of 6%.
• Entrepreneurship Development Training:
• Beneficiaries will receive training before starting their business ventures.
• NOTE: For loans above ₹50,001/-, the applicant must deposit 10% of the loan amount as margin money.

Eligibility Criteria
1. The applicant's age should be between 18 to 50 years.
2. The applicant must be a permanent resident of Jharkhand.
3. The applicant's annual family income should not exceed ₹5,00,000/- for rural and urban areas.
4. The applicant should not be employed in any government or semi-government job.
5. The applicant must not be a loan defaulter in any bank.
6. Only environment-friendly business proposals are acceptable (businesses related to alcohol, drugs, or polythene are not allowed).
7. If the applicant is disabled the percentage of disability should not be less than 40%.

Application Process
Step 1: Interested candidates visit the official website Mukhyamantri Rojgaar Srijan Yojana – Jharkhand
Click on “Registration” and fill Aadhaar Number, Date of Birth, Mobile Number, and Email ID.
After successfully registering.
Enter Mobile Number, Passw…
Online

Interested candidates visit the official website Mukhyamantri Rojgaar Srijan Yojana – Jharkhand
Click on “Registration” and fill Aadhaar Number, Date of Birth, Mobile Number, and Email ID.
After successfully registering.
Enter Mobile Number, Password the last 8 digits of Aadhaar Card
Click on “Login”, after that fill the application form basic detail, address
Upload profile photo and signature and required documents
Click on “Submit” and you will get the application id and take a print.

Step 2: Step 1: The interested applicant should take print of the prescribed format of the application form.
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Step 1: The interested applicant should take print of the prescribed format of the application form.

Step 3: Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across, if required), and attach copies of all the mandatory documents (self-attest, if required).
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Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across, if required), and attach copies of all the mandatory documents (self-attest, if required).

Step 4: Step 3: Submit the duly filled and signed application form along with the documents to the concerned corporation (Tribal, Scheduled Caste, Backward Class, Minority) or District Welfare Office.
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Step 3: Submit the duly filled and signed application form along with the documents to the concerned corporation (Tribal, Scheduled Caste, Backward Class, Minority) or District Welfare Office.

Step 5: Step 4: Request a receipt or acknowledgment from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if…
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Step 4: Request a receipt or acknowledgment from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).

Required Documents
• Applicant’s Photograph.
• Residential Certificate (issued online).
• Caste Certificate (issued online).
• Income Certificate (issued online).
• Copy of Applicant's Aadhaar and PAN Card.
• Copy of the First Page of Bank Passbook.
• Copy of Scheme Proposal (for loans above ₹50,000, except vehicle loans).
• Due Diligence Report (for business loans of ₹10 lakhs or more).
• Copy of Training Certificate (if available).
• Self-Declaration Form (on stamp paper in the given format).
• Signed Copy of Guarantor Certificate (for loans above ₹50,000, except vehicle loans).
• Copy of Guarantor's Aadhaar and PAN Card.
• Certified Copy of Guarantor’s Salary Slip or IT Return.
• Disability Certificate (If applicable).

Frequently Asked Questions
Q: Who is eligible for the scheme?
A: The applicant belongs to Scheduled Tribes, Scheduled Castes, Minorities, Backward Classes, and permanent residents of Jharkhand.

Q: What is the loan subsidy provided under this scheme?
A: The scheme offers a subsidy of 40% of the loan amount or up to [?]5,00,000, whichever is lower.

Q: Is a guarantor required for the loan?
A: For loans up to [?]50,000, No guarantor is required and the loans above [?]50,000 A guarantor or collateral (movable/immovable property) is mandatory.

Q: What is the interest rate for the loan?
A: The loan is provided at a subsidized interest rate of 6%.

Q: Can individuals from urban areas apply for the scheme?
A: Yes, individuals from urban and rural areas can apply, provided they meet the eligibility criteria.

Q: What types of businesses are eligible for the scheme?
A: Environment-friendly businesses are eligible. However, businesses related to alcohol, drugs, or polythene manufacturing are not allowed.

Q: How is the loan disbursed to the beneficiaries?
A: After approval, the loan amount is directly transferred to the applicant's registered bank account.

Q: What documents are required to apply for the scheme?
A: The required documents include an Aadhaar card, Caste certificate, Income certificate, Bank passbook copy Business proposal, etc.

Q: How can I apply for the scheme?
A: The applicant can apply by submitting an application form to the respective corporation (Tribal, SC, Backward Class, Minority) or the District Welfare Office.

Q: Is there any age relaxation for applicants?
A: No, the age limit is fixed at 18 to 50 years, and no relaxation is provided.

Q: Can I avail of the scheme benefits if I am already employed?
A: No, only unemployed individuals are eligible to apply for the scheme.