Jeevika Avashar Protsahan Yojana - Get Government Help to Turn Your Dream into Reality!

Jeevika Avashar Protsahan Yojana: A Step Towards Economic Independence for SC and ST Communities in Uttarakhand

Ever thought about starting your own business or looking for a reliable way to secure employment? The Jeevika Avashar Protsahan Yojana is designed to help individuals from Scheduled Caste (SC) and Scheduled Tribe (ST) communities in Uttarakhand do just that. With a variety of financial aids—such as bank loans, margin money, and grants—this scheme is a golden opportunity for those seeking self-reliance. This comprehensive guide will cover every aspect, from eligibility criteria to the grant structure and training programs.





Jeevika Avashar Protsahan Yojan


Table of Contents

  1. Introduction to Jeevika Avashar Protsahan Yojana

  2. Objectives of the Scheme

  3. Components of the Scheme

  4. Eligibility Criteria for Loan Applications

  5. Financial Assistance and Project Cost

  6. Cost Structure and Contribution Breakdown

  7. Grant Provision and Subsidies

  8. Interest Rates and Repayment Terms

  9. Training and Skill Development Programs

  10. Application Process

  11. Benefits and Expected Impact

  12. Conclusion


1. Introduction to Jeevika Avashar Protsahan Yojana  

Introduced by the Uttarakhand government in the fiscal year 2004-05, the Jeevika Avashar Protsahan Yojana is an initiative of the Social Welfare Department. It aims to empower individuals and groups from SC and ST communities by offering them financial assistance and skill development. The Uttarakhand Multipurpose Finance and Development Corporation, a central and state government joint venture, manages the scheme, while District Social Welfare Officers oversee its execution at the district level.

Target Audience

  • Scheduled Caste (SC) and Scheduled Tribe (ST) communities in Uttarakhand

  • Individuals seeking self-employment and entrepreneurship opportunities


2. Objectives of the Scheme 

The Jeevika Avashar Protsahan Yojana aims to achieve the following objectives:

  • Promote self-employment and entrepreneurship within the SC/ST communities

  • Enhance income-generating opportunities at the individual and group levels

  • Provide financial assistance to lower-income families in urban and rural areas

  • Offer skill development programs to increase employability

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3. Components of the Scheme

The scheme includes several key components designed to promote economic self-reliance:

  1. Information Collection, Monitoring, and Evaluation: Tracks beneficiaries and measures scheme success.

  2. Loan Grants and Financial Support: Provides funds for eligible projects.

  3. Capacity Building and Skill Development Training: Offers training programs for entrepreneurial and vocational skills.


4. Eligibility Criteria for Loan Applications  

To be eligible for the Jeevika Avashar Protsahan Yojana, applicants must meet specific criteria, as outlined below:

Eligibility Criteria

Description

Residence

Applicant must be a resident of Uttarakhand.

Age

Between 18 and 50 years of age.

Income (Urban Areas)

Annual income should not exceed ₹55,000.

Income (Rural Areas)

Annual income should not exceed ₹40,000; BPL certificate required for low-income families.

Caste Certificate

Valid SC/ST certificate issued by a competent authority.


5. Financial Assistance and Project Cost  

The project cost under this scheme ranges from ₹50,000 to ₹2,00,000. The financial structure includes:

  • Bank Loan: 60% of the total project cost

  • Margin Money: 30% of the project cost

  • Beneficiary Contribution/Grant: 10%

Example Project Cost Breakdown

Project Cost

Financial Contribution (%)

Beneficiary Contribution/Grant

Up to ₹1,00,000

60% Bank Loan, 30% Margin Money

None

₹1,00,000-₹2,00,000

60% Bank Loan, 30% Margin Money

10%


6. Cost Structure and Contribution Breakdown  

Here's a more detailed breakdown of how the funding is structured:

Component

Contribution (%)

Additional Details

Bank Loan

60%

Subject to bank’s interest rates.

Margin Money

30%

7% annual interest by the corporation.

Beneficiary Share

10% or Subsidy of ₹10,000

Dependent on project cost.


7. Grant Provision and Subsidies 

The scheme provides a grant subsidy of up to ₹10,000 to encourage entrepreneurship among beneficiaries.

Project Cost

Beneficiary Contribution (%)

Up to ₹1,00,000

None

₹1,00,000 - ₹2,00,000

10%


8. Interest Rates and Repayment Terms  

The interest rates for loans under the Jeevika Avashar Protsahan Yojana are as follows:

  • Margin Money Loan: 7% per annum, repayable in 60 monthly installments.

  • Bank Loan: Subject to the prevailing bank interest rate.

This repayment structure ensures affordability for low-income families.

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9. Training and Skill Development Programs 

To make beneficiaries self-sufficient, the scheme includes two types of training programs:

  1. Information-Based Training: Covers basic entrepreneurial skills through short-term workshops and seminars.

  2. Skill-Based Training: Provides technical and vocational training aimed at sectors with high employment potential.

This training is crucial for beneficiaries to gain practical skills relevant to their chosen industries.


10. Application Process 

Applying for the Jeevika Avashar Protsahan Yojana involves these steps:

  1. Application Form Submission: Obtain the form from the District Social Welfare Office.

  2. Document Verification: Submit all required documents, including caste and income certificates.

  3. Project Proposal Review: The project proposal is reviewed by the District Social Welfare Officer for approval.

  4. Loan Sanction and Disbursement: Upon approval, financial assistance is disbursed according to the funding structure.

Documents Required

  • SC/ST Certificate

  • Proof of residence in Uttarakhand

  • Income certificate for eligibility verification

  • Project proposal document


11. Benefits and Expected Impact  

The Jeevika Avashar Protsahan Yojana is a significant step toward sustainable economic growth for SC and ST communities. Key benefits include:

  • Increased self-employment and entrepreneurship

  • Financial aid through loans and grants

  • Skill development training for employability

  • Empowerment of marginalized communities for economic independence


12. Conclusion 

The Jeevika Avashar Protsahan Yojana represents an impactful initiative by the Uttarakhand government to support SC and ST communities in achieving economic self-reliance. From loans to grants, and from skill-building programs to simplified application processes, this scheme provides a robust foundation for self-employment and a brighter future. By bridging financial and skill gaps, the scheme makes an enduring difference in the lives of many.


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This Whole article is originally written by Deepak Bisht on wegarhwali.com. With his permission, It is translated into English. if you find some errors. Please correct us. :)


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