Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana

Scheme Introduction: A Brief Overview

The Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana, 2022 is a major entrepreneurship promotion scheme launched by the Government of Rajasthan to empower Scheduled Caste (SC) and Scheduled Tribe (ST) communities through financial assistance, loan support, and industrial incentives. The scheme was officially notified on 8 September 2022 and will remain effective till 31 March 2027.

Under this scheme, eligible SC/ST entrepreneurs can get:

• Margin money grant up to 25% of the project cost (maximum ₹25 lakh)
• Interest subsidy from 6% to 9%
• Bank loan support up to 90%
• Collateral-free loan facility up to ₹10 lakh (as per RBI/bank norms)
• Training, incubation, and industrial land-related benefits

The scheme supports businesses in manufacturing, service, and trade sectors and encourages establishment of new enterprises as well as expansion, diversification, and modernization of existing businesses. Along with promoting entrepreneurship and self-employment, the scheme also aims to generate local employment opportunities, reduce migration towards urban areas, and decrease dependence on agriculture.

You may also explore other Rajasthan Government financial assistance schemes such as the Rajasthan Ekmusht Samjhota Yojana and Rajasthan Gopal Credit Card Scheme, which provide support for loan settlement, dairy/livestock activities, and rural self-employment opportunities.

Scheme Benefits

The scheme provides financial assistance and incentives as detailed below:

1. Project Cost Limit

Note: This means your business project should be within these limits

2. Margin Money Grant (Direct Financial Support

• 25% of the project cost or ₹25 lakh (whichever is lower)
• Amount is kept in the bank and adjusted after 3 years

Important Conditions:

• If you run your business successfully for 3 years → you keep this benefit
• If you close the business early → you must return this amount
• If applicant is already receiving margin money under any other Central/State scheme, they are not eligible for margin money under this scheme

3. Interest Subsidy (Reduction in Loan Interest)

Note: Interest subsidy amount will in no case exceed the actual interest paid by the borrower on the loan.

4. Loan Support

5. Additional Financial Support

• CGTMSE Guarantee Fee is fully borne by the State Government
• Collateral-free loans may be available up to ₹10 Lakh (as per RBI/Bank norms)
• Working capital support is available
• Loan repayment tenure ranges from 3 to 7 years

Summary: Provides low investment requirements, government support, and affordable financing.

Objectives of the Scheme

• Enhancing participation of SC/ST communities in industrial and economic development
• Promotion of entrepreneurship and self-employment opportunities
• Reduction in dependence on agriculture by encouraging non-farm activities
• Generation of employment and skill development at the local level
• Encouragement of sustainable and inclusive economic growth

Eligibility Requirements

• Applicant should belong to the Scheduled Caste (SC) or Scheduled Tribe (ST) category
• Must be a native resident of Rajasthan
• Minimum age should be 18 years at the time of application
• Should not be employed in Central/State Government institutions
• In case of partnership/LLP/company, at least 51% ownership must be with SC/ST individuals
• Should not be a defaulter of any bank or financial institution
• Applicant must not be mentally unsound or declared insolvent

Eligible Activities

The scheme supports:

• Establishment of new enterprises
• Expansion of existing enterprises
• Diversification of business activities
• Modernization of existing units

Excluded Activities:

• Agriculture and allied sectors (e.g., animal husbandry, poultry, fisheries, etc.)
• Activities prohibited by Central or State Government

Training and Capacity Building Support

• 1. Entrepreneurship Development Training
  • District-level training programs (up to 2 weeks)
  • Awareness workshops and skill development initiatives
• 2. Institutional Training Support
• Training may be provided through reputed institutions such as:
  • Bhamasha Techno Hub
  • CIPET
  • NIFT
  • National Institute of MSME
  • EDII and others
• 3. Incubation Support
  • Project identification and report preparation
  • Hands-on training on machinery
  • Technical and financial management training
  • Marketing and operational guidance
  • Eligible units may receive concessions/reimbursement in stamp duty, land conversion charges, and electricity duty under applicable provisions
  • Industrial land allotment in RIICO areas at concessional rates
  • Reservation increased from 5% to 6% for SC/ST applicants
  • Plot size increased up to 4000 sq. meters
  • Concessions in stamp duty and land-related charges:
    • 100% stamp duty exemption on land purchase, lease and loan documents
    • 75% exemption at start, remaining 25% reimbursed after commercial production
    • 100% concession in land conversion charges
    • 100% SGST reimbursement for 7 year

Selection Process

Applications are selected and approved through the following process:

• For projects up to ₹10 lakh, applications are screened
  • Directly by General Manager of District Industry and Commerce Center - not the Task Force Committee
• For projects above ₹10 lakh are evaluated by the District Level Task Force Committee:
  • Applications are scrutinized and approved by the District Industries Centre (DIC).
• Applications are evaluated by a District Level Task Force Committee, which assesses:
  • Business feasibility Applicant's capability
  • Market potential
  • Repayment capacity

Note: Final approval is given based on the committee's evaluation.

Disbursement of Funds

• Loans are sanctioned and disbursed through banks and financial institutions
• Margin money is released after loan disbursement
• Interest subsidy is provided on a quarterly reimbursement basis
• Payments are processed through Direct Benefit Transfer (DBT) mechanisms

Important Notes / Guidelines

• Loan funds must be used strictly for the approved purpose
• Timely repayment is mandatory to avail interest subsidy
• Applicants already receiving margin money or interest subsidy under any Central/State scheme are not eligible for those specific benefits under this scheme - but can avail other scheme benefits
• Subsidy benefits are subject to compliance with scheme guidelines

Required Documents

• SC/ST Caste Certificate
• Rajasthan domicile certificate
• Aadhaar card
• Bank account details
• Detailed project report
• Self-declaration (no default / no other subsidy)
• Loan sanction documents

Special Priority Categories

People who get extra preference:

• Persons with disabilities
• Long-term self-help group members
• Applicants trained by government recognized institutions
• Workers skilled in a specific enterprise
• Weavers with weaver card or artisan card holders
• Innovators with future-focused ideas
• Applicants with export potential
• Businesses promoting employment and skill both together
• Silicosis affected enterprise modernization

Additional Government Benefits

• 100% SGST reimbursement for 7 years
• 100% land conversion charges waiver
• 100% stamp duty exemption on land/lease/loan documents
• Minimum investment limit in thrust sectors reduced by 50%
• Maximum grant subsidy limit increased to 200% of EFCI

Steps to Apply

• Identify and finalize a viable business idea
• Prepare a detailed project report
• Apply for a bank loan
• Submit the application online under the scheme
• Undergo screening and approval process
• Loan sanction and disbursement
• Avail margin money and interest subsidy benefits

Relevant Links

• Official Website of Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana
• Detailed PDF of Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana
• Guidelines and Rules for Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana (PDF)

Contact Information

• Shri C.B. Naval Joint Commissioner, Industries & Commerce
• District wise contact infromation details
• Email ID: [email protected]