Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana

Scheme Introduction: A Brief Overview

The Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY), also known as the Deen Dayal Swavalamban Yojana, is a startup loan and subsidy scheme run by the Government of Arunachal Pradesh. Named after Pandit Deendayal Upadhyaya, the scheme promotes self-reliance and entrepreneurship among unemployed youth. The government announced the scheme in the Finance Minister's Budget speech in March 2017 and formally notified it on 16 May 2017. The current published scheme guidelines were issued on 17 September 2018.

Under the Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana, eligible entrepreneurs can receive a 40% front-end capital investment subsidy for projects costing between ₹10 lakh and ₹50 lakh. The bank loan component covers 30% to 50% of the eligible project cost. Women entrepreneurs can also receive an additional 5% annual interest subsidy, provided their loan accounts remain in good standing.

The primary objective of DDUSY is to reduce unemployment in Arunachal Pradesh by helping eligible youth access affordable capital and establish their own businesses. The scheme specifically targets unemployed entrepreneurs belonging to the Arunachal Pradesh Scheduled Tribe (APST) community. Per a departmental circular dated 29 August 2025, applicants must be between 18 and 45 years of age, with a minimum educational qualification of Class XII (10+2).

The scheme supports several business activities, including food processing in agriculture and allied sectors, eco-tourism, homestays, tour operations and traditional textile weaving. Entrepreneurs setting up a homestay or tour business under DDUSY can also explore the Chief Minister Paryatan Vikas Yojana, the state's dedicated tourism development scheme. It also covers small-scale manufacturing, bamboo processing units, service centres and diagnostic centres. An additional category allows consideration of other innovative business ideas under the applicable scheme conditions.

Applicants can apply for DDUSY through the scheme's dedicated official portal. The scheme routes loans through the formal banking system, allowing applicants to approach any Scheduled Commercial Bank branch in Arunachal Pradesh. Most eligible loans do not require collateral security when covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), subject to the applicable guarantee conditions.

The Department of Finance, Planning & Investment, Government of Arunachal Pradesh, implements DDUSY through a district-level selection process. The District Level Screening Committee, headed by the Deputy Commissioner, evaluates and recommends eligible projects. According to the state's FY 2026–27 Budget Speech, the scheme has enabled 2,380 youth and women to secure funding exceeding ₹425 crore. The budget proposes an allocation of ₹200 crore to support 2,500 more beneficiaries during FY 2026–27, alongside plans for a fresh third-party evaluation, wider sector coverage and additional credit support for top-performing beneficiaries.

Scheme Benefits

The Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana provides financial support to eligible entrepreneurs who want to establish their own businesses. The major benefits of the scheme are as follows.

• Eligible entrepreneurs can receive a 40% front-end capital investment subsidy for qualifying projects costing between ₹10 lakh and ₹50 lakh.
• The bank loan component covers 30% to 50% of the project cost, excluding land and building costs.
• Entrepreneurs contribute 10% to 30% of the eligible project cost on their own.
• The scheme gives preference to applicants who contribute a higher share of the project cost.
• Women entrepreneurs can receive an additional 5% annual interest subsidy, provided their loans do not become Non-Performing Assets.
• Most DDUSY loans do not require collateral security, as they are covered under the CGTMSE credit guarantee scheme.
• Repayment tenure can go up to 7 years, including a moratorium of up to 6 months.
• Entrepreneurs get handholding and incubation support from the Arunachal Pradesh Innovation and Investment Park (APIIP).
• For homestay projects specifically, the sanctioned amount may be restricted to ₹30 lakh, lower than the general ₹50 lakh project cost ceiling.
• Loan and subsidy amounts are released in phases based on progress reports, and are paid directly to vendors rather than to the beneficiary's personal account.
• The scheme helps unemployed youth establish businesses and create self-employment opportunities.
• Eligible activities include food processing, eco-tourism, traditional textile weaving, small-scale manufacturing, bamboo processing units, service centres, diagnostic centres, and other innovative business ideas.

Eligibility Requirements

The Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY) supports eligible unemployed entrepreneurs who want to establish new businesses and generate self-employment opportunities. Applicants must meet the scheme conditions and obtain approval through the prescribed screening and bank loan appraisal process.

• Applicants must be unemployed entrepreneurs belonging to the Arunachal Pradesh Scheduled Tribe (APST) community and seeking to establish a new business enterprise.
• Applicants must have a bankable and viable project proposal in an eligible sector, including food processing, eco-tourism, traditional textile weaving, small-scale manufacturing, bamboo processing units, service centres, diagnostic centres or other innovative businesses.
• Eligible food-processing activities include packaging, cold-chain facilities, cold storage and milk processing in agriculture, horticulture and allied sectors.
• Plantation activity alone is not eligible. Agriculture, horticulture and allied-sector projects must involve eligible value-addition activities.
• Applicants must be between 18 and 45 years of age.
• Applicants must have passed Class XII or an equivalent examination (10+2).
• Applicants must submit a self-declaration certificate confirming their unemployment status.
• Preference is given to applicants holding a degree or diploma in Tourism and Hospitality, an ITI qualification, or a technical qualification in fabrication, information technology, mobile repairing or motor garage trades.
• Preference is also given to private doctors opening a medical clinic or diagnostic centre in a Border Community Development (CD) block, provided they charge reasonable clinical fees.
• Applicants who contribute a higher share of the project cost than the minimum required receive preference.
• The District Level Screening Committee prioritises commercially viable and bankable projects, with preference for manufacturing units. It also encourages innovative projects that are functional, sustainable and suitable for local conditions.
• Homestay projects must be located in areas with proven tourism potential. Applicants must hold a valid trade licence issued by the Department of Trade & Commerce and a homestay registration licence issued by the Department of Tourism.
• Homestay projects cannot exceed 20% to 30% of the annual beneficiary quota. The sanctioned amount for a homestay project may be restricted to ₹30 lakh.

Required Documents

Applicants seeking financial assistance under the Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY) must submit the prescribed application form and supporting documents for project evaluation and bank loan processing.

• Proof of identity (any one of the following):
  • Aadhaar Card
  • Voter ID Card
  • Passport
  • Driving Licence
  • PAN Card
  • Signature identification from the applicant's bank (for a partnership firm or company, in place of the proprietor's/partner's/director's personal ID)
• Proof of residence (any one of the following):
  • Recent telephone bill
  • Recent electricity bill
  • Property tax receipt
  • Passport
  • Voter ID Card
• Proof of business address.
• Scheduled Tribe (ST) Certificate, to establish APST eligibility.
• Educational qualification certificates.
• Self-declaration certificate confirming unemployment status.
• No-dues certificate from the Arunachal Pradesh State Co-operative Apex Bank.
• Detailed Project Report (DPR) or concept note, prepared in the standard format, for the chosen business activity, covering the project cost, proposed activities, and financial viability.
• For homestay applicants: a valid trade license (Department of Trade & Commerce) and a homestay registration license (Department of Tourism).
• Any additional documents the concerned bank needs for its own loan appraisal and sanction process.

Steps to Apply

Eligible entrepreneurs can apply for the Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY) to seek financial assistance for establishing a new business. Applicants must prepare a business proposal, submit the prescribed application and complete the district-level screening and bank loan approval process. Follow the steps below to understand how to apply for DDUSY online.

• Eligible applicants can submit the Deen Dayal Upadhyaya Swavalamban Yojana Application Form Online.
• For this, applicants must visit the official DDUSY portal of the Government of Arunachal Pradesh.
• To proceed, applicants need to first register on the portal.
• For this, click the "Register" tab available under the Menu tab.
• Create your DDUSY login account, using a username that matches your legal name.
• Prepare your Detailed Project Report (DPR) or concept note for your chosen business activity before starting the DDUSY application form.
• Log in to your DDUSY dashboard and select "Fill Up the DDUSY Form" for the current year.
• Enter your district, block, personal details, business idea, and total project cost, which cannot exceed ₹50 lakh.
• Add your family background, bank account, and guarantor details, along with income and expense projections for the first year.
• Upload clear, correctly-named scanned copies of your ID proof, address proof, ST certificate, business address proof, educational certificates, and DPR/concept note.
• Review your DDUSY application form carefully, then submit it online.
• Note down the Application ID shown after submission, and use "Track My DDUSY Application" on the portal to check your DDUSY application status.

Selection Process

• The District Planning Officer (DPO) first scrutinises the online application.
• If the application is in order, it goes to the District Lead Bank Manager for a CIBIL score check, to rule out loan defaulters.
• Applicants who clear the CIBIL check are interviewed and present their project before the District Level Screening Committee (DLSC), chaired by the Deputy Commissioner.
• Proposals the DLSC finds suitable go through field verification at the business site.
• After field verification, the DLSC recommends selected applications to the District Lead Bank Manager, who forwards them to the relevant bank branch.
• The bank evaluates project viability and extends the loan once documentation is complete, then claims the subsidy from the Finance, Planning & Investment Department.

Fund Disbursement and Monitoring

• Loan and subsidy amounts are released in phases, based on progress reports, rather than as a single lump sum.
• Funds are paid directly to vendors, not into the beneficiary's personal bank account.
• Beneficiaries must submit expenditure statements and quarterly or half-yearly progress reports.
• A Completion Certificate is jointly issued by the District Planning Officer and the bank.
• All DDUSY-funded projects must display a signboard indicating sponsorship under the scheme.

Relevant Links

• Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana Online Registration
• Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana Applicant Login
• Track Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana Application Status
• Deen Dayal Upadhyaya Swavalamban Yojana New Guidelines
• Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana Revised Guidelines
• Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana Guidelines
• Deen Dayal Upadhyaya Swavalamban Yojana FAQs
• Arunachal Pradesh Department of Finance, Planning and Investment
• Deen Dayal Upadhyaya Swavalamban Yojana Portal

Contact Information

• Deen Dayal Upadhyaya Swavalamban Yojana WhatsApp Support: 9402693699
• Deen Dayal Upadhyaya Swavalamban Yojana Email:
  • [email protected]
  • [email protected]