Uttarakhand Jeevika Avsar Protsahan Yojana

Scheme Introduction: A Brief Overview

For families from economically weaker sections in Uttarakhand, the biggest challenge in starting a small business is often not the idea but arranging the initial capital. The Uttarakhand Jeevika Avsar Protsahan Yojana, implemented through the Uttarakhand Bahuuddeshiya Vitt Evam Vikas Nigam (UKBVVN) under the State Social Welfare Department, is designed to help eligible beneficiaries overcome this financial barrier and move towards self-employment.

Rather than providing only a one-time financial grant, the scheme combines bank finance, concessional margin money, and government subsidy (anudan) with skill and vocational training. This support can help beneficiaries establish small income-generating activities such as shops, beauty parlours, tailoring units, dairy-related businesses, and other eligible enterprises. Jeevika Avsar Protsahan scheme is implemented through separate components for Scheduled Caste (SC), Scheduled Tribe (ST), and Persons with Disabilities (Divyang) beneficiaries. While the overall objective is the same - promoting self-reliance through self-employment - the income limit, subsidy, and qualifying documents differ for each category.

Among the three components, the ST component provides subsidy support of up to ₹50,000, subject to an annual family income limit of ₹2.5 lakh. The SC component provides subsidy support of up to ₹10,000, with separate rural and urban income limits; at present, the self-employment component for SC beneficiaries is linked with PM-AJAY, while support under this scheme is mainly focused on training. The Divyang component provides different financing options, including term loans, shop-construction assistance and bank-financed margin money, with a subsidy of 20% of the eligible amount or ₹10,000, whichever is lower, subject to the applicable conditions.

In general, eligible applicants are Uttarakhand residents aged 18 to 50 years, and proposals are considered through a district-level selection mechanism headed by the District Social Welfare Officer. The following sections explain the benefits, combined eligibility requirements, documents, and application procedure in detail.

Scheme Benefits

Every version keeps the beneficiary's burden low. In short, the scheme provides:

• A bank loan for most of the project cost.
• Subsidised margin money at low interest, in easy installments.
• A non-repayable subsidy plus free vocational training.

Eligibility Requirements

To apply under the Jeevika Avsar Protsahan Yojana, an applicant must:

• Be a permanent/resident of Uttarakhand.
• Be between 18 and 50 years of age.
• The applicant must belong to the SC, ST, or Divyang (Person with Disability) category.
• Must have the relevant SC/ST caste certificate or valid disability certificate/UDID card, as applicable to their beneficiary category.
• Annual Family Income Limit
  • SC: Up to ₹1,05,600 in rural areas and ₹1,29,840 in urban areas.
  • ST: Up to ₹2.5 lakh.
  • Divyang: Up to ₹1.6 lakh in rural areas and ₹2 lakh in urban areas.
• SC applicants should confirm the current status of the self-employment component because PM-AJAY separately covers SC self-employment support, while the relevant component under this scheme is presently focused mainly on training.

Required Documents

Applicants should keep clear, self-attested copies of the following documents ready:

• Aadhaar Card.
• Uttarakhand permanent residence/domicile certificate.
• SC/ST caste certificate, where applicable.
• 40% disability certificate or UDID card for Divyang applicants.
• Income certificate.
• Age proof, such as birth certificate or school certificate.
• Project report or brief business plan with estimated project cost.
• Bank account details/passbook and cancelled cheque.
• Recent passport-size photographs.
• Relevant trade, vocational training or educational certificates, wherever applicable.

Steps to Apply

• Contact the District Social Welfare Officer or UKBVVN district office for the current application cycle, targets, and deadlines.
• Obtain the prescribed form from the Block Development Office or district office.
• Complete the form and attach the required documents, including the SC/ST certificate or disability certificate/UDID, income proof, and project report.
• Submit the completed form and documents through the prescribed Block/District-level channel and collect an acknowledgement.
• Applications are scrutinised and selected by the district-level committee headed by the District Social Welfare Officer.
• After approval, the applicable loan, margin money, and subsidy are processed through the concerned authorities and bank.

Relevant Links

• Uttarakhand Bahuuddeshiya Vitt Evam Vikas Nigam (UKBVVN) Portal
• Uttarakhand Jeevika Avsar Protsahan Yojana Details
• Uttarakhand Jeevika Avsar Protsahan Yojana Application Form
• Uttarakhand Jeevika Avsar Protsahan Yojana Info

Contact Information

• Uttarakhand Bahuuddeshiya Vitt Evam Vikas Nigam (UKBVVN) Contact Link