Bihar Mukhyamantri Udyami Yojana

Scheme Introduction: A Brief Overview

The Industries Department, Government of Bihar runs the Mukhyamantri Udyami Yojana (MMUY) to promote entrepreneurship and develop self-employment among young men and women of every class in the state. Under this scheme, the government sanctions financial assistance of up to ₹10 lakh per unit and gives it in two parts: 50 per cent of the project cost (maximum ₹5 lakh) as a subsidy that the beneficiary never repays, and the remaining 50 per cent (maximum ₹5 lakh) as an interest-free loan. Only the Mukhyamantri Yuva Udyami Yojana component charges interest, and that too at 1 per cent on the loan portion. Applications are received online through the official Udyami portal, udyami.bihar.gov.in.

The scheme runs through five separate components. Mukhyamantri Anusuchit Jati/Anusuchit Janjati Udyami Yojana covers SC and ST men and women, Mukhyamantri Ati Pichhda Varg Udyami Yojana covers Extremely Backward Class (BC-01) men and women, Mukhyamantri Mahila Udyami Yojana covers women of all classes, Mukhyamantri Yuva Udyami Yojana covers only General and Backward Class (BC-02) male applicants, and Mukhyamantri Alpsankhyak Udyami Yojana covers minority men and women. Selection is made against district-wise targets, so an applicant competes within his or her own category and district.

Permanent residents of Bihar aged 18 to 50 years who have passed at least 10+2, ITI, or polytechnic diploma can apply. The unit has to be set up in the applicant's own district, and the project must be chosen from the department's approved list - the scheme covers manufacturing and service projects only, not trading. Selection is made through computerised randomisation against district-wise targets, so marks and interviews play no role. Selected beneficiaries attend six-day training in two phases, and the assistance reaches them in three instalments by RTGS/NEFT in the current account of the unit. The loan portion is repaid in 84 instalments, beginning 12 months after the last instalment.

The application process for Bihar Mukhyamantri Udyami Yojana runs entirely online on the Udyami portal, where the applicant registers with an Aadhaar-linked mobile number, fills the form section by section, uploads the documents, and submits it with self-certification. Applicants should keep their matriculation, Intermediate, caste, and residence certificates ready in advance, since the department opens the window only for a fixed period and asks for clear, readable copies of every document.

Scheme Benefits

The following benefits will be provided to selected beneficiaries under Bihar Mukhyamantri Udyami Yojana.

• Financial assistance of up to ₹10 lakh for setting up a new unit.
• Subsidy of 50 per cent of the project cost, up to a maximum of ₹5 lakh, which is never repaid.
• Interest-free loan of the remaining 50 per cent, up to a maximum of ₹5 lakh.
• Under Mukhyamantri Yuva Udyami Yojana, the loan portion carries interest at only 1 per cent.
• Payment of the amount in three instalments by RTGS/NEFT, directly into the current account opened in the name of the unit.
• Six-day entrepreneurship training in the first phase and another six-day training in the second phase.
• A long repayment period of 84 instalments, which begins 12 months after the last instalment is received.

Eligibility Requirements

Check every condition carefully before filling the form. The department has fixed the following requirements for the Mukhyamantri Udyami Scheme.

• The applicant must be a permanent resident of Bihar.
• Age must be between 18 and 50 years.
• Minimum qualification: 10+2 or Intermediate, ITI, polytechnic diploma, or equivalent.
• The applicant must belong to the category of the component applied for - SC/ST, EBC (BC-01), woman of any class, General or BC-02 male under Yuva, or minority.
• The unit must be established in the district of the applicant's permanent residence.
• A current account has to be opened in the name of the unit, since instalments are transferred to it.
• The project must be chosen from the department's approved list and must fall in the manufacturing or service sector.

Who Is Not Eligible

The department has also fixed clear grounds of ineligibility. An applicant falling in any of these categories cannot take the benefit of the scheme.

• Contractual or government employees whose total monthly salary exceeds ₹15,000.
• Applicants who have already taken benefit under any Industries Department scheme, such as PMEGP, Mudra Loan, SIPB or Start-up.
• Persons declared insolvent or insane by a competent court.
• Persons sentenced to imprisonment of six months or more.
• Elected public representatives, including MP, MLA, MLC, Mukhiya, Sarpanch and members of urban bodies and Panchayati Raj institutions.
  Dealers of the public distribution system.
• Applicants who wish to set up the unit in a district other than the selected district.
• Trading projects - the scheme is meant for manufacturing and service only.

Required Documents

All documents are uploaded online at the time of applying, so keep the following papers scanned and ready before you start.

• Matriculation certificate showing the date of birth.
• Intermediate or equivalent passing certificate.
• Caste certificate.
• Permanent residence certificate.
• Divyang (disability) certificate, if applicable.
• Photograph of the applicant.
• Signature of the applicant.
• Cancelled cheque of the bank account, as listed in the department's user manual. 

Steps to Apply

Applications for Mukhyamantri Udyami Yojana are received online on the Udyami portal. The process runs in two parts: filling the form while the window is open, and completing the formalities after the selection list comes out.

Online Application on the Udyami Portal

The department's user manual lays down the following process. Follow it once the fresh advertisement goes live on the portal.

1. Open udyamiuser.bihar.gov.in  and click on the registration option (Login/Registration) once the fresh advertisement is live.
2. Fill in your name (the middle name is optional), your email ID, which is mandatory, and your mobile number. Only the mobile number registered with your Aadhaar card is accepted.
3. Select the applicant type as per your category.
4. Verify the OTP sent to your mobile number.
5. Collect the login password from your email. The portal generates the password itself and sends it to the email ID you entered, so you do not have to create one.
6. Log in at udyamiuser.bihar.gov.in  with the registered mobile number and password.
7. Complete the application form section by section - personal information, educational details, family information, organisation details, project details, financial details, bank details, and document upload.
8. Upload the documents in JPG, JPEG, PNG, or PDF format only.
9. Check the data filled in every section, give the self-certification, and submit the application.

After Submission

Submitting the form is only the first stage. The department then moves the application through randomisation, scrutiny, verification, and training before any money is released.

1. Applicants are selected initially through the computerised randomisation method against district-wise targets.
2. Scrutiny of the provisionally selected applications takes place.
3. Applicants kept in the draft list upload the pending documents within the deadline notified on the portal. Candidature is cancelled if the documents are not uploaded in time.
4. The concerned field officer carries out verification.
5. The final selected list is published on the portal, and beneficiaries are called for the first phase of six-day training.
6. Instalments are released one after another, each subsequent instalment following acceptance of the utilisation certificate for the previous one.

Assistance Amount and Payment Schedule

The sanctioned money does not come in a single transfer. The department releases it step by step and keeps a check on how each instalment has been spent before sending the next one.

• The sanctioned amount is released in three instalments, not in one go.
• Each instalment is transferred by RTGS/NEFT to the current account of the unit.
• The utilisation certificate of the amount already received must be uploaded and accepted before the next instalment is released.
• Every payment above ₹10,000 from the released amount must be made through online modes such as RTGS, NEFT, cheque, DD, UPI or net banking.
• If the amount is misused, the department recovers the entire sum in one go.

Head-wise Expenditure Limits

The beneficiary cannot spend the sanctioned amount as he or she wishes. The guidelines fix an upper limit for the following heads.

• Site preparation: maximum ₹1.50 lakh.
• Electricity connection and safety kit: maximum ₹25,000.
• Other items: maximum ₹25,000.
• Rent advance, where applicable: six months' rent or maximum ₹50,000.

Selection Process

Marks, interviews and recommendations play no part in this scheme. The department picks applicants by a computerised draw and then verifies them.

• Applicants are selected through computerised randomisation against district-wise targets.
• The provisional list is published, and scrutiny is carried out.
• Draft-list applicants upload pending documents within the notified deadline, failing which candidature is cancelled.
• The concerned field officer carries out verification.
• The final selected list is published, and beneficiaries are called for training.

Brief Details of Sub-Schemes

Bihar Mukhyamantri Yuva Udyami Yojana

• The Bihar Mukhyamantri Yuva Udyami Yojana has been launched by the Government of Bihar.
• The following categories of citizens are eligible for the Bihar Mukhyamantri Yuva Udyami Yojana:
  • The applicant should belong to the General or Backward Class category.
  • The applicant must be between 18 and 50 years of age.
• The main objective of the Bihar Mukhyamantri Yuva Udyami Yojana is to promote micro and small industries in the state.
• Eligible beneficiaries under the Bihar Mukhyamantri Yuva Udyami Yojana will receive the following benefits:
  • Youth will receive total financial assistance of ₹10 lakh.
  • Of this, ₹5 lakh will be provided as a loan and ₹5 lakh as a government grant. A 1% interest rate will be charged on the loan amount.
  • After selection under the scheme, ₹25,000 per unit will also be provided for beneficiary training.
• The scheme also provides benefits under the Bihar Industrial Investment Promotion Policy, 2016.
• Eligible applicants can apply for the Bihar Mukhyamantri Yuva Udyami Yojana through the following method:
  • Official Bihar Industries Department Udyami Portal

Bihar Mukhyamantri Mahila Udyami Yojana

• The Bihar Mukhyamantri Mahila Udyami Yojana has been launched by the Government of Bihar.
• The following categories of citizens are eligible for the Bihar Mukhyamantri Mahila Udyami Yojana:
  • The applicant must be a permanent resident of Bihar.
  • Women and transgender persons are eligible under the scheme.
• Eligible beneficiaries under the Bihar Mukhyamantri Mahila Udyami Yojana will receive the following benefits:
  • Women will receive total financial assistance of ₹10 lakh.
  • Of this, ₹5 lakh will be provided as a loan and ₹5 lakh as a government grant.
  • After selection under the scheme, ₹25,000 per unit will also be provided for beneficiary training.
• The Bihar Mukhyamantri Mahila Udyami Yojana also provides benefits under the Bihar Industrial Investment Promotion Policy, 2016.
• Eligible applicants can apply for the Bihar Mukhyamantri Mahila Udyami Yojana through the following method:
  • Official Bihar Industries Department Udyami Portal

Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana

• The Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana has been launched by the Government of Bihar.
• The following categories of citizens are eligible for the Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana:
  • The applicant must be a permanent resident of Bihar.
  • The applicant must belong to the Scheduled Caste or Scheduled Tribe category.
• The scheme has been introduced to encourage young men and women from the SC/ST communities to establish industries.
• Eligible beneficiaries under the Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana will receive the following benefits:
  • An interest-free loan of 50% of the total project cost per unit, subject to a maximum of ₹5 lakh, will be provided to eligible youth.
  • Another 50%, subject to a maximum of ₹5 lakh, will be provided as a grant/subsidy under the Special Incentive Scheme.
  • ₹25,000 per unit will be provided for beneficiary training.
• The scheme also provides benefits under the Bihar Industrial Investment Promotion Policy, 2016.
• Eligible applicants can apply for the Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana through the following method:
  • Official Bihar Industries Department Udyami Portal

Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana

• The Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana has been launched by the Government of Bihar.
• The following categories of citizens are eligible for the Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana:
  • The applicant must belong to the Extremely Backward Class (EBC) category.
  • The applicant must be between 18 and 50 years of age.
• The scheme has been introduced to encourage young men and women from the Extremely Backward Class community to establish industries.
• Eligible beneficiaries under the Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana will receive the following benefits:
  • Eligible beneficiaries will receive total financial assistance of ₹10 lakh.
  • Of this, ₹5 lakh will be provided as a loan and ₹5 lakh as a government grant.
  • After selection under the scheme, ₹25,000 per unit will also be provided for beneficiary training.
• The scheme also provides benefits under the Bihar Industrial Investment Promotion Policy, 2016.
• Eligible applicants can apply for the Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana through the following method:
  • Official Bihar Industries Department Udyami Portal

Bihar Mukhyamantri Alpsankhyak Udyami Yojana

• The Bihar Mukhyamantri Alpsankhyak Udyami Yojana is implemented by the Government of Bihar to encourage youth from minority communities to pursue industries and self-employment.
• The following categories of citizens are eligible for the Bihar Mukhyamantri Alpsankhyak Udyami Yojana:
  • The applicant must be a permanent resident of Bihar and belong to a minority community.
  • The applicant must be between 18 and 50 years of age.
  • The minimum educational qualification of the applicant should be 10+2/Intermediate, ITI, Polytechnic, or equivalent.
• The objective of the scheme is to promote self-employment among youth from minority communities by providing financial assistance to establish new industrial or service units.
• Eligible beneficiaries under the Bihar Mukhyamantri Alpsankhyak Udyami Yojana are provided the following benefits:
  • Eligible beneficiaries can receive financial assistance of up to ₹10 lakh per unit.
  • This includes a maximum grant (subsidy) of ₹5 lakh and an interest-free loan of up to ₹5 lakh.
  • An additional amount of ₹25,000 per unit is provided for beneficiary training and project monitoring.
  • The loan amount has to be repaid in 84 equal monthly installments, starting one year after receiving the final installment.
• Only department-approved projects in the manufacturing and service sectors are eligible under the scheme; trading businesses are not included.
• Eligible applicants can apply online through the official Udyami Portal of the Industries Department, Government of Bihar:
  • Official Bihar Industries Department Udyami Portal

Relevant Links 

• Bihar Mukhyamantri Yuva Udyami Yojana
• Bihar Mukhyamantri Mahila Udyami Yojana
• Bihar Mukhyamantri Scheduled Caste and Scheduled Tribe Udyami Yojana
• Bihar Mukhyamantri Ati Pichhda Varg Udyami Yojana
• Bihar Mukhyamantri Alpsankhyak Udyami Yojana
• Bihar Mukhyamantri Udyami Yojana Login
• Industries Department, Government of Bihar

Contact Information 

• Industries Department, Bihar Helpline Number: 1800-345-6214
• Industries Department, Bihar Helpldesk Email: [email protected]