What is UK Mukhyamantri Swarojgar Yojana?
Uttarakhand Mukhyamantri Swarojgar Yojana is the state's flagship self-employment scheme, administered by the Industries Department of the Government of Uttarakhand. It helps youth set up manufacturing, service, or trade enterprises by arranging bank loans of up to ₹25 lakh and a 25% capital subsidy (capped at ₹6.25 lakh) that the government credits to the lending bank to reduce the borrower's burden. Applications are screened by District Industries Centres (DIC) and a district-level task force, after which empanelled banks disburse the loan. Targeting educated unemployed youth, skill-certificate holders, and ITI or polytechnic graduates, the scheme is designed to create local entrepreneurs in Uttarakhand and generate further employment, with the subsidy benefit routed through the banking channel.
UK Mukhyamantri Swarojgar Yojana — Quick Overview
| Scheme Name | उत्तराखंड मुख्यमंत्री स्वरोजगार योजना 2026 — ₹25 लाख तक ऋण + 25% सब्सिडी | UK Swarojgar Yojana |
| State | Uttarakhand (उत्तराखंड) |
| Launched By | Government of Uttarakhand |
| Launch Year | 2015 |
| Benefit | Up to ₹25 lakh loan with 25% subsidy (max ₹6.25 lakh) for self-employment in Uttarakhand |
| Category | Employment |
| Beneficiaries | 75,000+ youth in Uttarakhand |
| Last Verified | 17 June 2026 |
| Official Portal | https://msy.uk.gov.in |
उत्तराखंड मुख्यमंत्री स्वरोजगार योजना राज्य की प्रमुख स्व-रोजगार योजना है। उत्तराखंड के युवाओं को व्यवसाय, सेवा, विनिर्माण या व्यापार उद्यम शुरू करने के लिए ₹25 लाख तक का ऋण और 25% अनुदान (अधिकतम ₹6.25 लाख) मिलता है। शिक्षित बेरोजगार और कौशल प्रमाण पत्र धारक युवा इसके पात्र हैं।
₹25 लाख तक ऋण + 25% सब्सिडी (अधिकतम ₹6.25 लाख) — उत्तराखंड में स्व-रोजगार के लिए
उत्तराखंड मुख्यमंत्री स्वरोजगार योजना प्रदेश के बेरोजगार युवाओं और उद्यमियों को स्वयं का व्यवसाय शुरू करने के लिए ₹25 लाख तक का ऋण और 25% सब्सिडी (अधिकतम ₹6.25 लाख) देती है। Manufacturing, Service और Trade क्षेत्र में नए उद्यम स्थापित करने के लिए यह योजना उपयोगी है। ऋण की वापसी 5 से 7 वर्षों में करनी होती है और ब्याज दर सामान्य बैंक दर से कम रखी जाती है।
📌 फायदा: ₹25 लाख तक ऋण + 25% सब्सिडी (अधिकतम ₹6.25 लाख) — Manufacturing/Service/Trade में नए उद्यम के लिए
पात्रता:
उत्तराखंड का स्थायी निवासी, आयु 18-45 वर्ष, न्यूनतम 8वीं उत्तीर्ण, पहले से कोई बैंक डिफॉल्टर न हो, प्रस्तावित व्यवसाय उत्तराखंड में होना चाहिए।
अर्ज कसा करावा:
diupmsme.gov.in या उत्तराखंड MSME पोर्टल पर ऑनलाइन आवेदन करें, व्यवसाय प्रोजेक्ट रिपोर्ट तैयार करें, नजदीकी जिला उद्योग केंद्र (DIC) में जमा करें, बैंक द्वारा ऋण स्वीकृति के बाद सब्सिडी सीधे खाते में।
Benefits of UK Mukhyamantri Swarojgar Yojana
✅ Up to ₹25 lakh loan with 25% subsidy (max ₹6.25 lakh) for self-employment in Uttarakhand
₹25 लाख तक ऋण + 25% सब्सिडी (अधिकतम ₹6.25 लाख) — उत्तराखंड में स्व-रोजगार के लिए
Who is Eligible for UK Mukhyamantri Swarojgar Yojana?
- ✓ Permanent resident of Uttarakhand (domicile certificate mandatory)
- ✓ Age 18–45 years
- ✓ Minimum Class 8 pass (Class 10 for larger loan amounts above ₹10 lakh)
- ✓ Skill certificate holders and ITI/polytechnic graduates get priority
- ✓ Unemployed and not in regular government employment
- ✓ Not a loan defaulter with any bank/financial institution
- ✓ Must submit a viable project report / DPR (Detailed Project Report)
Documents Required for UK Mukhyamantri Swarojgar Yojana
How to Apply for UK Mukhyamantri Swarojgar Yojana Online?
- 1msy.uk.gov.in पर जाएं या नजदीकी जिला उद्योग केंद्र (DIC) में जाएं
- 2मुख्यमंत्री स्वरोजगार योजना का आवेदन पत्र प्राप्त करें
- 3प्रोजेक्ट रिपोर्ट (DPR) तैयार करें — DIC staff सहायता करेगा
- 4आवेदन पत्र, DPR, आधार, domicile certificate, educational certificate, income proof और bank passbook जमा करें
- 5DIC / जिला स्तरीय task force द्वारा screening और bank linkage होगी
- 6Approved आवेदकों को empanelled bank से loan मिलेगा और सब्सिडी (25%) government द्वारा bank को दी जाएगी
Official Government Portal — Uttarakhand
Use msy.uk.gov.in directly — there is no application fee, and no third party can speed up your approval.
🔗 Mukhyamantri Swarojgar Yojana UK PortalReal-Life Examples — Are You Eligible for UK Mukhyamantri Swarojgar Yojana?
Match your own situation against these sample UK Mukhyamantri Swarojgar Yojana applicants:
A 28-year-old Uttarakhand domicile holder, Class 10 pass with an ITI certificate, who is unemployed and submits a viable DPR for a food-processing unit costing ₹8 lakh
Eligible — She is within the 18–45 age band, meets the education requirement, holds a priority ITI certificate, and has a workable project report for a qualifying enterprise.
A 35-year-old permanent resident, Class 8 pass with no bank defaults, applying through the DIC for a ₹6 lakh repair-shop enterprise
Eligible — He satisfies the minimum Class 8 qualification for loans up to ₹10 lakh, is unemployed, has no default record, and routes the application through the District Industries Centre.
A 47-year-old applicant in regular state government service seeking a ₹20 lakh loan for a manufacturing unit
Not eligible — He is above the 45-year age limit and is already in regular government employment, both of which disqualify him under the scheme rules.
Illustrative cases only — verify your own situation against the official criteria.
Common Mistakes — Why UK Mukhyamantri Swarojgar Yojana Applications Get Rejected
- ✗Submitting a weak or incomplete Detailed Project Report (DPR) without cost, subsidy, and repayment projections, which the DIC task force rejects at screening.
- ✗Applying for a loan above ₹10 lakh with only a Class 8 certificate, when the higher slab requires Class 10, leading to disqualification.
- ✗Giving a bank account that is not Aadhaar-linked, which delays loan disbursal and the crediting of the 25% subsidy through the bank.
- ✗Having an unresolved default with any bank or financial institution, which fails the no-defaulter eligibility check.
Insider Tips for UK Mukhyamantri Swarojgar Yojana
- →Prepare the DPR with help from the District Industries Centre staff, who assist free of cost, and keep cost, subsidy, and revenue figures realistic.
- →Keep the domicile certificate, educational marksheets, skill/ITI certificate, machinery quotations, and income proof ready before applying.
- →Link your bank account to Aadhaar early so the loan disbursal and the government's 25% subsidy adjustment go through without delay.
- →Apply only via the official msy.uk.gov.in portal or the nearest DIC, and track your application status with the bank after the task-force screening.