Mizoram Bana Kaih Scheme 3.0

Scheme Introduction: A Brief Overview

The Mizoram Bana Kaih (Handholding) Scheme was launched on 19 September 2024 by the Government of Mizoram to provide financial, technical, institutional and other support to eligible citizens for developing sustainable livelihood and business activities. The Planning & Programme Implementation Department, Mizoram serves as the nodal department for the scheme. The scheme identifies eligible individuals, groups and organisations as Progress Partners and provides them with handholding assistance to establish, expand and sustain viable projects. The scheme covers activities that can generate employment, address community needs and support sustainable economic development.

The Government of Mizoram has now launched the third phase of the Bana Kaih Scheme, known as Bana Kaih 3.0, on 18 September 2026. The Phase-III framework expands the handholding support available to selected Progress Partners through loan assistance, interest subvention, guarantee support, the Chief Minister Special Package, capacity-building training, technical guidance, market support, venture capital and rehabilitation assistance. The latest phase continues the scheme's focus on helping eligible people develop viable livelihood and business projects while improving access to institutional credit and government support.

Under Mizoram Bana Kaih 3.0, eligible selected Progress Partners can access bank loans of up to ₹50 lakh for eligible livelihood and business projects. The Government provides 100% interest subvention on eligible loans, subject to the prescribed conditions, including proper utilisation and timely repayment. Guarantee support is available according to the project category, with limits of up to ₹50 lakh for manufacturing, ₹20 lakh for services, ₹10 lakh for livestock and ₹10 lakh for grocery or petty trade. Agriculture and allied activities can receive interest subvention up to ₹2 lakh.

The Chief Minister Special Package under the current Phase-III guidelines provides a project-based grant of up to ₹50,000 in exceptional cases where a Progress Partner has a viable livelihood project but cannot avail loan support. The scheme also makes capacity-building training mandatory for selected beneficiaries. This training covers bookkeeping, financial literacy, motivation, leadership and work practices, while concerned departments can provide sector-specific technical training and project guidance.

Mizoram Bana Kaih 3.0 covers individual as well as non-individual Progress Partners. For Loan Support, an individual applicant must be an Indian citizen and permanent resident of Mizoram and must generally be between 18 and 60 years of age. There is no upper age limit for the Chief Minister Special Package. The applicant must have a feasible full-time livelihood or business project, demonstrate entrepreneurial potential, agree to timely repayment where applicable, and fulfil the conditions of the relevant converged Central Government scheme. An applicant with an existing credit history must generally have a minimum CIBIL score of 700. Non-individual Progress Partners can include cooperatives, registered societies, SHGs, FPOs, M-PACS and eligible business entities that satisfy the prescribed conditions.

Applicants can apply through the Mizoram Handholding Portal by registering as a user and submitting the relevant application with project details and required documents. The Phase-III process includes departmental verification, assessment and recommendation before selection and further processing. Applicants who need assistance with the online process can approach the Deputy Commissioner, Sub-Divisional Officer or Block Development Officer office. Thus, Bana Kaih 3.0 combines credit support, interest subvention, guarantee assistance, grant support, training, technical assistance, market linkage and continued handholding for eligible Progress Partners in Mizoram.

Scheme Benefits

The benefits of the Mizoram Bana Kaih (Handholding) Scheme combine credit support, grant assistance, training, technical guidance and market support for selected Progress Partners. The support available depends on the type of project and the category of Progress Partner.

• Livelihood and Business Support is provided to eligible individuals, groups and organisations for viable livelihood and business projects.
• Collateral-free bank loans of up to ₹50 lakh are available for eligible livelihood and business projects.
• 100% interest subvention is provided on eligible loans, subject to the prescribed conditions.
• Guarantee support is available for eligible bank loans, with the limit depending on the project category.
• Interest subvention up to ₹2 lakh is available for eligible agriculture and allied projects.
• Eligible MSME loans can receive collateral-free support through the Mizoram Credit Guarantee Fund Scheme for Micro and Small Enterprises (MzCGTMSE).
• Eligible loans are processed through partner banks and financial institutions under the scheme.
• A Chief Minister Special Package grant of up to ₹50,000 is available in eligible exceptional cases where the applicant cannot avail loan support.
• The approved Chief Minister Special Package grant is transferred to the beneficiary through online bank transfer.
• Selected Progress Partners receive mandatory capacity-building training covering bookkeeping, financial literacy, leadership and work practices.
• Progress Partners receive technical training and project-related guidance from the concerned department.
• Eligible beneficiaries can receive market support through price support, market intelligence and market linkages.
• Farmers can receive the applicable difference amount when the market price falls below the government-declared rate, subject to the applicable conditions.
• Farmers who sell their produce at a higher market price can retain the benefit of the higher price.
• Eligible businesses and startups can receive equity investment support through the Mizoram Venture Capital Fund.
• Eligible Progress Partners whose projects face setbacks due to circumstances beyond their control may receive rehabilitation support under the prescribed guidelines.
• Progress Partners receive continued advisory, technical and institutional handholding support during project implementation.

Loan Support Details

The loan component of Mizoram Bana Kaih 3.0 provides selected Progress Partners with collateral-free credit and interest support for eligible livelihood and business projects. The type and extent of guarantee and interest support depend on the project category and the applicable scheme conditions.

• Selected Progress Partners can avail bank loans of up to ₹50 lakh for eligible livelihood and business projects.
• Eligible MSME loans can receive collateral-free support through MzCGTMSE.
• The government provides 100% interest subvention on eligible loans as an incentive for prompt repayment.
• The interest subvention is provided in addition to the interest support available under the applicable converged Central Government scheme.
• The loan support is provided through eligible partner banks and financial institutions under the scheme.

Project-wise Guarantee and Interest Support

The interest subvention and guarantee support are available to eligible selected Progress Partners and remain subject to proper use of the sanctioned loan, timely repayment, applicable scheme conditions and the requirements of the converged loan scheme.

Eligibility Requirements

Before applying, it is worth checking who can apply for the Mizoram Bana Kaih (Handholding) Scheme. Eligibility under Bana Kaih 3.0 depends on residency, age, the nature of the project and the type of support being sought, as set out below.

Eligibility Criteria for Individual Applicants

• The applicant must be an Indian citizen and a permanent resident of Mizoram.
• For Loan Support, the applicant must be between 18 and 60 years of age.
• There is no upper age limit for applicants seeking the Chief Minister Special Package.
• The applicant must not be a full-time employee of the Central Government, State Government or any of their agencies.
• The applicant must have a feasible, full-time livelihood project or business plan that serves as their main source of livelihood.
• The project should have the potential to create employment, address community needs or contribute to sustainable economic development.
• The applicant must demonstrate the entrepreneurial potential to implement the project successfully.
• The applicant must be willing to attend mandatory capacity-building training and apply the knowledge gained.
• For Loan Support, the applicant must agree to repay the loan promptly and on time.
• An applicant with an existing credit history must have a minimum CIBIL score of 700 for Loan Support.
• No fixed CIBIL score is prescribed for applicants who do not have any credit history.
• The applicant must satisfy any additional eligibility conditions prescribed under the central scheme being converged with Bana Kaih.
• Startups recognised as per the DPIIT definition are also covered under the scheme.

Eligibility of Non-Individual Progress Partners

Groups and registered entities can also apply as Progress Partners under Bana Kaih 3.0, provided they fall within the categories below.

• Primary producer groups such as cooperatives, registered societies, Self Help Groups, Farmer Producer Organisations and M-PACS.
• Partnership firms, Limited Liability Partnerships, Private Limited Companies, Public Limited Companies and similar entities, provided majority ownership lies with individuals who meet the individual eligibility conditions.

Targeted and General Progress Partners

The scheme classifies Progress Partners into two categories, and the benefits available to each differ significantly.

• Targeted Progress Partners are selected by the Apex Body through the concerned Implementing Department, based on the merit of their project.
• Targeted Progress Partners are eligible for 100% interest subvention, government guarantee support and the Chief Minister Special Package grant.
• General Progress Partners are not selected by the Apex Body but can still avail collateral-free loans under converged central schemes.
• General Progress Partners are not eligible for interest subvention, guarantee support or the Chief Minister Special Package grant.
• Each Progress Partner can be recommended for support under one livelihood or business project only.

Required Documents

Applicants need to submit basic identity, banking and residential documents along with documents related to their proposed project. The exact requirements may vary depending on the type of project.

Common Documents

• Passport-size Photograph
• Voter ID Card
• Aadhaar Card
• Bank Passbook
• Ration Card

Additional Documents for PMEGP Applicants

• Education Certificate
• Udyam Registration Certificate
• ST Category Certificate
• PAN Card
• Rural Area Certificate, if applicable
• Project Report with quotation

Project-Related Documents

Applicants should also upload documents that support their proposed business or livelihood project. Depending on the project, these may include:

• Quotations for machinery, equipment or other purchases
• Machinery specifications, technical details and capacity
• Rental Agreement, Land Pass or other facility-related documents
• Engineering Design and Estimates, if a new shed is required
• Qualification Certificate, where required for the project
• Experience Certificate, if available
• Trade Licence or required certification/permit

The required project documents depend on the nature of the activity. If a required document is not specifically listed on the application portal, applicants can upload it under the "OTHERS" section.

Steps to Apply

Eligible applicants can apply for Mizoram Bana Kaih 3.0 either online or offline, whose process is shared below.

How to Apply Online

1. Visit the official Handholding portal at handholding.mizoram.gov.in.
2. Click on Register New User and complete the registration.
3. Log in to the portal using your registered credentials.
4. Select the type of support you want to apply for, either Loan or Chief Minister Package.
5. Fill in the application form with your personal, project and bank details.
6. Select the trade or sector under which your project falls.
7. Prepare a viable detailed project report and upload it along with the application.
8. Upload all the required documents on the portal.
9. Submit the completed application form.
10. Note the confirmation SMS received on your registered mobile number as proof of submission.

How to Apply Offline

1. Visit the office of the Deputy Commissioner, Sub-Divisional Officer (Civil) or Block Development Office in your area.
2. Meet the personnel designated to assist Bana Kaih applicants.
3. Provide your project details and submit the required documents.
4. Get your application uploaded to the online portal with the help of the designated staff.
5. Collect the acknowledgement or confirmation details for future reference.

Important Forms

• Mizoram Bana Kaih (Mimal) Application Form
• Mizoram Bana Kaih (Pawl) Application Form

Relevant Links

• Mizoram Bana Kaih Online Apply
• Mizoram Bana Kaih Application Registration
• Mizoram Bana Kaih 3.0 Guidelines
• Bana Kaih Gazetted Notification
• Mizoram Bana Kaih Portal
• Mizoram Bana Kaih List of Trades
• Mizoram Commerce and Industries Department

Contact Information

• Mizoram Bana Kaih Helpline Number: 8119019900