Uttar Pradesh One District One Cuisine (ODOC) Financing Assistance Scheme

Scheme Introduction: A Brief Overview

The Uttar Pradesh One District One Cuisine (ODOC) Financing Assistance Scheme is a margin money scheme of the Department of MSME and Export Promotion, Uttar Pradesh, that helps entrepreneurs set up, expand or diversify food businesses built around the traditional cuisine or food product identified for their district. Under the scheme, nationalised banks, Regional Rural Banks and other scheduled banks finance the project, while the department adds margin money assistance ranging from 25% of the project cost for small units to a maximum of ₹50 lakh for large projects. The Directorate of Industries and Enterprise Promotion, Kanpur, and the District Industries and Enterprise Promotion Centres (DICs) run the scheme on the ground.

The state government launched the scheme as the financing component of the wider "Ek Janpad Ek Vyanjan" (ODOC) programme, which it notified on 5 May 2026. Many districts in Uttar Pradesh have a signature dish or food product, yet most producers use old equipment, weak packaging, and have limited market access. The scheme aims to change that by adding value to each district's identified cuisine, raising production capacity, improving quality, and making these products competitive in national and international markets. To achieve this, it supports individuals and units already working in ODOC cuisine activities or looking to start.

The assistance covers a wide range of practical investments. Entrepreneurs can use it to install automatic machines that raise productivity, modern packaging and labelling machines, wrappers and sealers, cold-chain equipment such as deep freezers, reefer vans and mini cold rooms, food-testing and quality-assurance equipment, shelf-life enhancement machinery and cloud kitchens. Any other activity that makes the district's identified ODOC dish more competitive can also qualify. New units, expansion units and diversification units are all eligible, as long as the business relates to the ODOC cuisine of the concerned district.

The ODOC Financing Assistance Scheme works through a bank-linked process. The applicant applies online on the departmental portal, the DIC selects applications on a scorecard basis and forwards them to the bank, and the bank sanctions the loan. After the bank releases the first loan instalment, the DIC releases the margin money through Direct Benefit Transfer (DBT). This amount stays in the beneficiary's account as a Term Deposit Receipt (TDR); no interest applies on the margin money portion of the loan, and the bank adjusts it against the loan as a grant after two years of successful operation and a joint inspection. Applicants contribute only 10% of the project cost in the general category and 5% in the special categories, and no minimum educational qualification applies.

Along with the Uttar Pradesh One District One Cuisine Financing Assistance Scheme, the Government of Uttar Pradesh is also running the Vishwakarma Shram Samman Yojana and the ODOP Financing Assistance Scheme to boost entrepreneurship. Under Vishwakarma, traditional artisans get free skill training, modern toolkits, and concessional credit, while the ODOP scheme provides up to ₹20 lakh margin money support with bank loans for district-specific products. You can check the complete details of both schemes here.

Scheme Benefits

The Uttar Pradesh One District One Cuisine Financing Assistance Scheme gives eligible entrepreneurs margin money assistance on top of a bank loan, with the amount depending on the total project cost.

Margin Money Assistance

The ODOC Margin Money Scheme fixes the margin money in four project-cost slabs.

Other Key Benefits

• Low own contribution: General category applicants invest only 10% of the project cost, and special category applicants invest only 5%.
• Interest relief: No interest applies on the margin money portion of the project cost once the beneficiary receives it.
• Grant conversion: The bank adjusts the margin money against the loan as a grant after 2 years of successful operation without default.
• DBT payment: The DIC releases the margin money through Direct Benefit Transfer within 7 days of receiving the bank's claim.
• Working capital included: The project cost can include capital expenditure and one cycle of working capital.
• Rented premises allowed: Applicants can include a rented workshop or work shed in the project cost.
• Entrepreneurship training: New beneficiaries receive at least one week of training through institutions such as Government Polytechnics, ITIs, RSETIs and Entrepreneurship Development Institutes.
• No education barrier: Anyone aged 18 or above can apply, whatever their schooling.

Activities Eligible for Assistance

The ODOC Margin Money Scheme supports the following activities related to the district’s identified ODOC cuisine:

• Automatic machines to raise the productivity of the dish
• Modern packing machines, wrappers and sealers for packaging and labelling
• Cold chain and cold storage facilities such as deep freezers, reefer vans and mini cold rooms
• Food testing and quality-assurance equipment
• Machines that increase the shelf life of the dish
• Cloud kitchens
• Any other activity that makes the identified ODOC dish more competitive

Beneficiary's Own Contribution

Every applicant must deposit a fixed share of the total project cost as their own contribution, as shown below.

What the project cost includes

The project cost covers capital expenditure (excluding the cost of buying land) and one cycle of working capital. Applicants can take a workshop or work shed on rent, but the government does not count land purchase cost in the project cost.

Note for transgender applicants: The government order lists transgender persons among the special categories who must attach a competent-authority certificate, but its 5% own-contribution clause does not name them. Transgender applicants should confirm their contribution rate with the district DIC before preparing the project report.

Eligibility Requirements

Applicants must fulfil the following eligibility criteria to receive financial assistance under the One District One Cuisine (ODOC) Financing Assistance Scheme.

• The applicant must be at least 18 years old.
• No minimum educational qualification applies.
• The applicant must be a resident of Uttar Pradesh, as declared in the online registration form.
• The unit, whether in industry, service, or business, must relate to the ODOC product identified for the concerned district.
• New units, expansion units and diversification units can apply.
• The applicant or unit must not be a defaulter of any nationalised bank, financial institution or government institution.
• The applicant must not have taken benefit under any other self-employment scheme of the Government of India or the Uttar Pradesh Government.
• The scheme gives benefit only once to the applicant or any member of the applicant's family.
• The applicant must submit an affidavit confirming that they meet the eligibility conditions.
• SC, ST, OBC, minority, transgender, women, and disabled applicants must attach a certified copy of the certificate issued by the competent authority.

Required Documents

Applicants should keep clear scanned copies of the following documents ready before filling the online form for ODOC Financing Assistance Scheme

• Aadhaar card
• Recent passport-size photograph
• Uttar Pradesh residence certificate
• Bank passbook or cancelled cheque
• Project report (project form)
• Affidavit confirming eligibility
• Caste certificate (if applicable)
• Disability certificate (if applicable)
• Certified copy of the competent authority certificate for SC, ST, OBC, minority, transgender, women, or disabled category (if applicable)

Steps to Apply

The application process for the UP ODOC Margin Money Scheme is entirely online. The department does not accept applications through any offline mode. Applicants can follow the step-by-step instructions provided below to understand how to apply online through the Official portal.

• Visit the official portal of the Directorate of Industries, Uttar Pradesh.
• On the home page, click on "Schemes & Apply" and select the One District One Cuisine (ODOC) Financing Assistance (Margin Money) Scheme.
• Fill in the required details in the registration form available below the scheme information. Enter your name, date of birth, father's or spouse's name, mobile number, district, and Aadhaar number exactly as they appear in your Aadhaar, give consent for Aadhaar authentication, and complete your registration.
• After successful registration, the portal displays your User ID and sends the User ID and password to your registered mobile number through SMS.
• Open Registered Applicant Login, enter the User ID, password, and captcha, and click on Login.
• Fill in the remaining details of the application form, upload the affidavit, project report, and all required documents in the prescribed format and size. Make sure every scan is clear and readable.
• Check all the entered details carefully and click on Final Submit.

Note: Applicants who face difficulty can take help from a Common Service Centre (CSC), their district DIC office, or the departmental helpline 155343.

How to track your application status

• Visit the official portal.
• Click on the "Application Status" option.
• Enter your application number, DOB, and registered mobile number.
• Click on Check Status to view the latest status

Verification, Selection and Loan Sanction

After submission, the application moves through the following stages:

• The District Industries and Enterprise Promotion Centre (DIC) of your district scrutinises the application and documents. If it finds any error, it returns the application to you for correction through the portal.
• The DIC assesses every application that clears scrutiny on a scorecard and selects applicants on the basis of their score.
• It then forwards each selected application online through the departmental portal to the concerned bank branch within 7 days of selection.
• The bank branch manager decides on sanctioning or rejecting the loan within 1 month of receiving the application.
• After the loan sanction, new beneficiaries complete a mandatory training of at least one week through an institution such as a Government Polytechnic, ITI, RSETI or Entrepreneurship Development Institute. The department may exempt beneficiaries who already have training.
• After training, the bank starts loan disbursement and releases the first instalment of the loan to the beneficiary within 15 days.
• The bank then claims the margin money online from the DIC, and the DIC releases it through DBT.

Margin Money Release and DBT Process

The ODOC Financing Assistance Scheme follows a defined timeline for the release and final adjustment of the margin money. 

• The financing branch files the margin money claim online with the Deputy Commissioner of Industries (DIC) within 7 days of releasing the first loan instalment.
• The Deputy Commissioner of Industries releases the margin money through DBT within 7 days of receiving the claim.
• The margin money stays in the beneficiary's account as a Term Deposit Receipt (TDR), and no interest applies on this portion of the project cost.
• After 2 years of successful operation without default, officials of the DIC and the bank jointly inspect the project.
• After the inspection, the bank adjusts the margin money against the loan as a grant.

Important Conditions

• If the beneficiary deliberately misuses the loan, the bank returns the margin money to the DIC.
• If the project closes because of a natural disaster or other exceptional circumstances, the bank may adjust the margin money against the beneficiary's loan.
• The Directorate's ODOC cell provides funds to the DICs from the budget allotted for the scheme, so benefits depend on budget availability.
• The Block Level Bankers' Committee (BLBC), District Coordination Committee (DCC), District Level Review Committee (DLRC), and the district-level committee review the scheme in each district, and the State Level Bankers' Committee (SLBC) reviews it at the state level.

Relevant Links

• UP ODOC Financing Assistance Scheme Registration
• UP ODOC Financing Assistance Scheme Login
• One District One Cuisine (ODOC) Financing Assistance Scheme Details
• Directorate of Industries, Scheme Details
• Guidelines of UP ODOC Financing Assistance Scheme
• UP ODOC Financing Assistance Scheme Notification

Contact Information

• Directorate of Industries, Uttar Pradesh Phone Numbers:
  • 0512-2218401
  • 0512-2234956
  • 0512-2219166
• Directorate of Industries Helpline Number: 155343