Bihar Mukhyamantri Udyami Yojana: ₹10 Lakh Loan, 50% Subsidy & Selection List

1. Direct Grant (Subsidy): 50% of the project capital (up to ₹5,00,000) is paid as an outright non-repayable government grant.
2. Soft Loan: The remaining 50% (up to ₹5,00,000) is provided as long-term capital repayable over 84 equal monthly installments following a 12-month initial moratorium period.

1. Mukhyamantri SC/ST Udyami Yojana

• Permanent resident of Bihar belonging to Scheduled Castes or Scheduled Tribes.
• Minimum educational qualification of Intermediate (10+2), ITI certificate, Polytechnic diploma, or higher degree.
• Age between 18 and 50 years on application date.
• 0% interest on loan component.

2. Mukhyamantri EBC Udyami Yojana

• Permanent resident belonging to Extremely Backward Classes (Annexure-1).
• Completed 10+2, ITI, or Polytechnic diploma.
• 0% interest on loan component.

3. Mukhyamantri Mahila Udyami Yojana

• Female permanent resident of any caste or social category.
• Minimum 10+2 or equivalent technical qualification.
• 0% interest on loan component.

4. Mukhyamantri Yuva Udyami Yojana

• Male candidates belonging to general and backward classes.
• Age 18 to 50 years with 10+2 or technical certificate.
• 1% simple interest on loan component.

• Agro-processing: Flour mills, spice processing, cattle feed production, honey packaging, and edible oil extraction.
• Manufacturing: Ready-made garments, paper cup and plate manufacturing, fly ash brick production, and plastic molding.
• Wood and Metal Craft: Furniture fabrication, steel gate/grill assembly, and agricultural implement manufacturing.
• Technical Services: Automotive repair centers, IT service kiosks, solar installation workshops, and testing labs.

Phase 1: Online Registration

1. Visit the official portal at udyami.bihar.gov.in during the announced annual application window.
2. Click User Registration and input your 12-digit Aadhaar number and functional mobile number.
3. Validate your registration through the mobile OTP sent by the system.
4. Select the appropriate scheme wing (Mahila, Yuva, SC/ST, or EBC).
5. Enter your educational credentials, residential address, and preferred project category from the approved roster.
6. Upload scanned documentation: Aadhaar card, caste certificate, matriculation certificate (for date of birth proof), intermediate/diploma marksheet, domicile certificate, and cancelled bank cheque.
7. Submit the application and save the generated Registration Slip.

Phase 2: Computerized Random Selection

Phase 3: Physical Verification and Entrepreneurship Training

Phase 4: Phased Fund Disbursement

• Installment 1: Machinery advance and initial unit establishment.
• Installment 2: Delivery of manufacturing equipment verified by DIC site inspections.
• Installment 3: Working capital injection once the unit commences trial runs.

1. Quotations and Machinery Selection

2. Business Registration and Banking Setup

• Register their proprietorship or partnership enterprise on the central MSME Udyam portal (udyamregistration.gov.in) to generate an official Udyam Registration Number.
• Obtain a Goods and Services Tax Identification Number (GSTIN) if required for the manufacturing category or turnover threshold.
• Open a dedicated Current Account in the registered business name at any scheduled commercial or public sector bank in Bihar.

3. Industrial Site and Power Connection Load

• Permanent Residence / Domicile Certificate of Bihar issued by competent revenue authorities.
• Caste Certificate (for SC/ST and EBC categories).
• Matriculation (10th) Certificate showing verified date of birth.
• Intermediate (10+2) Certificate, ITI Diploma, or Degree Marksheet.
• PAN Card in the individual applicant's name.
• Current Bank Account details or Savings Account passbook (an active Current Account in the enterprise's registered name is mandatory before installment release).
• Digital signature or clean scan of physical signature.
• Clear passport-size color photograph.