Mukhyamantri Rojgar Srijan Yojana 2025
Objective
The Mukhyamantri Rojgar Srijan Yojana 2025 aims to promote self-employment among youths belonging to Scheduled Tribe (ST), Scheduled Caste (SC), Backward Class (BC), Minority, and Differently Abled (Divyang) categories by providing term loans and government subsidies. These loans are intended strictly for income-generating activities, not for consumption.Implementing Agency
The Jharkhand State Tribal Cooperative Development Corporation Ltd. is responsible for implementing this scheme for ST, BC, and Differently Abled youths.
Eligibility Criteria
- Unemployed youth aged between 18 to 50 years.
- Permanent resident of Jharkhand (online certificate required).
- Annual family income must not exceed ₹5 lakh.
- Must not be a government/semi-government employee.
- Must not have availed any government loan subsidy earlier.
- Not a defaulter of any financial institution.
- For Divyang applicants, minimum 40% disability certificate required.
Loan & Subsidy Details
Loan Amount: ₹50,000 to ₹25,00,000
Loan Pattern:
For Loan up to ₹50,000:
– Term Loan: 100%
– Subsidy: 40% of loan amount
– Margin Money: Nil
For Loan ₹50,001 to ₹25,00,000:
– Term Loan: 90%
– Subsidy: 40% of loan amount
– Margin Money: 10%
For Loan up to ₹50,000:
– Term Loan: 100%
– Subsidy: 40% of loan amount
– Margin Money: Nil
For Loan ₹50,001 to ₹25,00,000:
– Term Loan: 90%
– Subsidy: 40% of loan amount
– Margin Money: 10%
The Mukhyamantri Rojgar Srijan Yojana 2025
Subsidy Slabs:
| Loan Range (₹) | Subsidy Rate (%) | Subsidy Amount (₹) |
|---|---|---|
| Up to ₹50,000 | 40% | ₹20,000 |
| ₹50,001 to ₹2,50,000 | 40% | ₹20,000 to ₹1,00,000 |
| ₹2,50,001 to ₹5,00,000 | 40% | ₹1,00,000 to ₹2,00,000 |
| ₹5,00,001 to ₹10,00,000 | 40% | ₹2,00,000 to ₹4,00,000 |
| ₹10,00,001 to ₹25,00,000 | 40% | ₹4,00,000 to ₹5,00,000 |
Interest Rate: 6% per annum (on the amount after subsidy deduction)
Guarantor Requirement
- No guarantor needed for loans up to ₹50,000
- One guarantor required for loans above ₹50,000
- Guarantor may be a government/private employee, taxpayer, or elected representative
- For vehicle/plant loans, hypothecation or movable/immovable asset guarantee is acceptable
Documents Required
- Permanent residence certificate (online issued)
- Caste & income certificate (online issued)
- Self-declaration for job status and loan history
- Photocopy of Aadhaar, age proof, and bank passbook
- Project proposal (for loans above ₹50,000)
- Training certificate (if applicable)
- Disability certificate (if applicable)
Additional Guidelines
- Project should generate employment (except vehicle loans)
- Business proposals involving alcohol, polythene, or environment-harming items are not allowed
- Vehicle loans must be registered with RTO
- SHGs will be financed per NRLM and RBI guidelines
Note: The scheme is open only for income-generating purposes. Misuse or false declarations can lead to legal consequences and loan recovery action.
For official details and application process, visit: https://www.jharkhand.gov.in
मुख्यमंत्री रोजगार सृजन योजना झारखंड 2025
संदर्भ: विभागीय संकल्प संख्या 2563 दिनांक 26.08.2022
योजना का उद्देश्य
मुख्यमंत्री रोजगार सृजन योजना का उद्देश्य अनुसूचित जनजाति (ST), अनुसूचित जाति (SC), पिछड़ा वर्ग (BC), अल्पसंख्यक तथा दिव्यांग (Divyang) युवाओं को स्वरोजगार के लिए ऋण एवं अनुदान देना है ताकि वे अपना खुद का व्यवसाय शुरू कर सकें।
पात्रता
- आयु: 18 से 50 वर्ष
- वार्षिक पारिवारिक आय: अधिकतम ₹5 लाख
- झारखंड के स्थायी निवासी
- सरकारी/अर्ध-सरकारी सेवक नहीं होना चाहिए
- पिछली किसी भी सरकारी योजना में अनुदान प्राप्त नहीं किया हो
ऋण सहायता
₹50,000 से ₹25,00,000 तक की राशि ऋण रूप में दी जाएगी।
वित्तीय सहायता की संरचना
| ऋण राशि | राज्य सरकार द्वारा अनुदान | अनुदान राशि (₹) |
|---|---|---|
| ₹50,000 तक | 40% | ₹20,000 |
| ₹50,001 – ₹2,50,000 | 40% | ₹20,000 – ₹1,00,000 |
| ₹2,50,001 – ₹5,00,000 | 40% | ₹1,00,000 – ₹2,00,000 |
| ₹5,00,001 – ₹10,00,000 | 40% | ₹2,00,000 – ₹4,00,000 |
| ₹10,00,001 – ₹25,00,000 | 40% | ₹4,00,000 – ₹5,00,000 (अधिकतम) |
ब्याज दर
ब्याज दर: 6% प्रति वर्ष (अनुदान राशि को घटाने के बाद शेष ऋण पर)
गारंटर की आवश्यकता
- ₹50,000 तक: गारंटर की आवश्यकता नहीं
- ₹50,001 से अधिक: एक गारंटर अनिवार्य
- या संपत्ति गिरवी रखने का विकल्प भी उपलब्ध
दस्तावेज़ आवश्यकताएं
- स्थायी निवास प्रमाण पत्र (ऑनलाइन)
- जाति प्रमाण पत्र (झारखंड सरकार द्वारा जारी)
- आय प्रमाण पत्र
- आधार कार्ड की फोटोकॉपी
- बैंक पासबुक की प्रथम पृष्ठ की प्रति
- ₹50,001 से अधिक की ऋण हेतु प्रोजेक्ट रिपोर्ट
- दिव्यांगजन हेतु न्यूनतम 40% विकलांगता प्रमाण पत्र
नोट:
- नशीले पदार्थ, प्लास्टिक बैग आदि से जुड़ी योजनाएं पात्र नहीं होंगी।
- गाड़ी या मशीनरी हेतु ऋण के मामले में रजिस्ट्रेशन और हाइपोथीकेशन अनिवार्य होगा।
- स्वयं सहायता समूह को केवल आय सृजन गतिविधियों हेतु ऋण मिलेगा।