Deen Dayal Upadhyaya Bunkar Yojana — 7% Interest Subvention for Women Weavers

The Deen Dayal Upadhyaya Bunkar Yojana, or DDUBY, is a subsidy scheme of the Government of Arunachal Pradesh delivered through the state's Department of Textile and Handicraft. Its purpose is narrow and practical: make borrowed money cheaper for the women who keep the state's handloom tradition running.

Weaving in Arunachal Pradesh is both a cultural inheritance and a working livelihood, yet the women who practise it often find affordable credit hard to reach. DDUBY closes that gap by attaching a 7% interest subvention to credit raised from banks. Instead of a lump-sum payout, the state absorbs part of the interest a weaver would otherwise owe, so a loan costs less and more of the earnings stay with the enterprise.

The scheme works through the banking system rather than through a government portal. Commercial banks and regional rural banks are the access points — they receive applications, assess them, sanction and disburse the loan, and then apply the subvention as per the scheme's guidelines. The application route is offline, which means the first step for an interested weaver is a visit to a participating branch.

DDUBY is deliberately broad on scale. There is no cap on the size of a weaving unit and no limit on how many looms it operates, so weavers of every category and scale can use it. Individuals and groups of women weavers are both covered. The one firm line is who can apply: the scheme is for women weavers, and companies and partnership firms are excluded.

• 7% interest subvention on bank credit for women weavers.
• Covers short-term credit, cash credit, working capital limits, weavers' credit cards and Swarojgar credit cards.
• Exclusively for women weavers; companies and partnership firms cannot apply.
• Both individual women weavers and groups of women weavers are eligible.
• No cap on unit size or number of looms — every scale of weaver qualifies.
• Loans disbursed in the current financial year, with subvention running for up to one year.

DDUBY is reserved for women. The scheme is exclusively for women weavers, and every applicant must be a woman.

• Active weaving occupation — the applicant must be primarily engaged in weaving activities, not merely associated with the craft.
• Working loom required — the applicant must own or possess a working loom or looms.
• Individuals and groups — both a single woman weaver and a group of women weavers may apply.
• Companies excluded — companies and partnership firms are not eligible under any circumstance.
• No scale restriction — the scheme places no limit on unit size or on the number of looms, so weavers across all categories and scales qualify.

There is no stated restriction on the industry, no state-of-domicile condition beyond the scheme's Arunachal Pradesh setting, and no DPIIT or MSME registration requirement listed among the eligibility criteria.

Deen Dayal Upadhyaya Bunkar Yojana — 7% Interest Subvention for Women Weavers is open to startups at any stage. It is open to startups registered anywhere in India.

Deen Dayal Upadhyaya Bunkar Yojana — 7% Interest Subvention for Women Weavers accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

The benefit under DDUBY is a 7% interest subvention on bank credit. The scheme does not pay out a fixed grant or a one-time cheque — it reduces the interest burden on money a woman weaver borrows, which lowers the effective cost of that capital.

The subvention applies to several forms of credit extended by commercial banks and regional rural banks:

• Short-term credit
• Cash credit limits
• Working capital limits
• Weavers' credit cards
• Swarojgar credit cards

On the timing side, the subvention covers loans disbursed during the current financial year, and it runs for a maximum period of one year per loan. Because the relief is tied to the borrowing itself, the value a weaver receives depends on how much credit she takes and on the terms of the sanctioned facility.

Deen Dayal Upadhyaya Bunkar Yojana — 7% Interest Subvention for Women Weavers is offered by Department of Textile and Handicraft, Government of Arunachal Pradesh, a government body. As a government-backed subsidy, it is publicly funded and open to eligible startups across India.

DDUBY does not run a competitive selection round. Applications are processed by the participating commercial banks and regional rural banks, and the decision on whether credit is granted rests with the lender.

1. Approach a participating bank — since the process is offline, an interested woman weaver or group of women weavers goes to the nearest commercial bank or regional rural bank taking part in the scheme.
2. Collect and submit the application — the bank supplies the necessary forms. Applicants typically submit documentation proving engagement in weaving, proof of owning a working loom, and personal identification.
3. Eligibility and credit assessment — the bank checks the scheme's criteria, such as primary occupation in weaving and loom ownership, alongside the applicant's creditworthiness.
4. Sanction and disbursal — once the loan is approved, the bank disburses the credit facility.
5. Subvention applied — after disbursal, the 7% interest subvention is applied in line with the scheme's guidelines.

Because there is no batch, no committee shortlist and no competitive scoring stage, the timeline depends on the individual bank's own credit appraisal and disbursement cycle.

Before you apply to Deen Dayal Upadhyaya Bunkar Yojana — 7% Interest Subvention for Women Weavers, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.