Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan
Interest-free loans of ₹10,000 to ₹5 lakh for Uttarakhand farmers, BPL families and self-help groups, offered by the state's Cooperative Department.
- Funding amount
- ₹10,000 – ₹5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Cooperative Department, Government of Uttarakhand (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
Farmers and self-help groups across Uttarakhand can borrow interest-free money for farm and non-farm work under the Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana, usually referred to by its short form, DDUKKY. The programme is run by the Cooperative Department of the Government of Uttarakhand and is channelled through the state's cooperative societies and District Cooperative Banks.
Loans begin at ₹10,000 and go up to ₹5 lakh. Because no interest is charged, a borrower does not pay anything beyond the amount sanctioned. That brings the cost of credit down sharply for rural households that want to launch or grow a micro-enterprise.
The activities covered are deliberately broad. Agricultural work such as crop cultivation, organic farming, floriculture, horticulture, off-season vegetable cultivation and poly-house farming is supported. So are allied pursuits like animal husbandry, dairy, poultry, fisheries, farm mechanisation and agricultural processing. Non-agricultural options include the cultivation of herbs, aromatic plants, spices and mushrooms. The shared aim is self-employment and a stronger rural economy in Uttarakhand.
Applications are accepted throughout the year rather than against a fixed window, and no income ceiling has been prescribed for farmer applicants at present.
Highlights
- Interest-free loans ranging from ₹10,000 to ₹5 lakh
- Individuals can borrow up to ₹1 lakh for agriculture and ₹3 lakh for non-agricultural work; SHGs up to ₹5 lakh
- Open to Uttarakhand farmers, families below the poverty line and self-help groups
- Repayment runs from one year for short-term crop loans to three years for medium-term loans
- Rolling applications, with no income limit prescribed for farmers
- Crop insurance is mandatory for short-term agricultural loans under Pradhan Mantri Fasal Bima Yojana
Who can apply
Applicants must be based in Uttarakhand and fall into one of two broad groups: individual farmers, or a self-help group.
- Individual farmers: general farmers, small farmers, marginal farmers, or farmers living below the poverty line — and members of their family.
- Self-help groups: SHGs in Uttarakhand.
Two conditions sit on top of that. Every applicant, whether an individual or a group, has to either be a member of a cooperative society in their area or hold a savings account with the District Cooperative Bank. Only one member of a family can receive the scheme's benefits.
Defaulters of cooperative societies are not eligible. There is currently no income limit prescribed for farmers who wish to use the scheme.
The scheme's land-size definitions:
- A small farmer holds up to 5 acres of unirrigated land, or up to 2.5 acres of irrigated land.
- A marginal farmer holds up to 2.5 acres of unirrigated land, or up to 1.25 acres of irrigated land.
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan is open to startups at any stage. It is open to startups registered anywhere in India.
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Deadline & timing
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan 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.
What the funding covers
The central offering is an interest-free loan, which removes the cost of borrowing for the beneficiary. Individual applicants can access:
- Up to ₹1.00 lakh for agricultural activity.
- Up to ₹3.00 lakh for non-agricultural activity — animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms and similar work.
Self-help groups can borrow at a larger scale, with a ceiling of ₹5.00 lakh. Across the scheme, loan sizes run from ₹10,000 to ₹5 lakh.
Repayment is structured by loan type:
- Short-term crop loans are repaid over one year.
- Medium-term loans run for three years from the date of disbursement.
There is also a risk-protection element. For short-term agricultural loans sanctioned under the Pradhan Mantri Fasal Bima Yojana, crop insurance is mandatory and is arranged by the cooperative bank, giving beneficiaries a safety net.
About the provider
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan is offered by Cooperative Department, Government of Uttarakhand, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.
How to apply
Applications are submitted on the . Confirm the current deadline and document checklist there before you start.
Selection process
Applications are first examined by the bank or committee at the local level. From there, the block-level committee takes on the job of selecting beneficiaries and sanctioning loans, checking that each applicant meets the eligibility conditions and that the proposed activity fits the scheme's objectives.
Where a larger loan is at stake — most notably the self-help group loans — a detailed project report carries real weight, because it is central to how the proposal is evaluated.
There is a carry-forward arrangement. If a farmer is not sanctioned a loan in the current year but still needs one, the department may take up the earlier application for processing in the following year.
Crop insurance is built into the process for short-term agricultural loans. The cooperative bank arranges cover under the Pradhan Mantri Fasal Bima Yojana, which protects both the borrower and the lending institution.
Documents you’ll need
Before you apply to Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan, 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.
Who this is best for
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan is best suited for startups in India seeking non-dilutive funding of ₹10,000 – ₹5L. If that describes your startup, review the eligibility criteria above before applying.
Frequently asked questions
Who is eligible to apply for the Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana?
Farmers from Uttarakhand qualify if they are general, small or marginal farmers, or if they live below the poverty line; members of such a farmer's family can also apply. Self-help groups in the state are eligible as well. In every case the applicant must be a member of a cooperative society in their area or hold a savings account with the District Cooperative Bank. Only one member of a family can take the benefit, and defaulters of cooperative societies are excluded.
How much money can I borrow under this scheme?
An individual can borrow up to ₹1.00 lakh for agricultural work and up to ₹3.00 lakh for non-agricultural work. Self-help groups have a higher ceiling of ₹5.00 lakh. The smallest loans under the scheme are ₹10,000, so the overall range runs from ₹10,000 to ₹5 lakh.
Is there a last date to apply?
No. The window is rolling and always open, so an application can be submitted at any point in the year. Keep in mind that a block-level committee does the selecting and sanctioning, and if you are not sanctioned in one year, the department may consider taking up your existing application in the following year.
Do I need to be a member of a cooperative society or hold a District Cooperative Bank account?
Yes, one of the two is required. If you are not already a member of a cooperative society, you can apply for membership by filling the prescribed form at the concerned society's office and depositing a membership fee of ₹108. The Board of Directors reviews that application. Documents needed for membership include a land ownership certificate, a Patwari certificate confirming agricultural activity, and an Aadhaar card.
Is there an income limit, and who counts as a small or marginal farmer?
There is no income limit prescribed for farmers at present. On land size, a small farmer is one who holds up to 5 acres of unirrigated land, or up to 2.5 acres of irrigated land. A marginal farmer holds up to 2.5 acres of unirrigated land, or up to 1.25 acres of irrigated land.
What can the loan be used for?
Both agricultural and non-agricultural activities qualify. On the agricultural side that covers crop cultivation, organic farming, floriculture, horticulture, off-season vegetable cultivation, poly-house farming and farm mechanisation. Allied activities such as animal husbandry, dairy, poultry, fisheries and agricultural processing are funded too, along with the cultivation of herbs, aromatic plants, spices and mushrooms.
What documents do I need to apply?
Along with the application form — which you collect from your local bank or cooperative committee — you will need a photograph, Aadhaar card, PAN card, a detailed work plan for the proposed activity, annual income and expenditure details, and other information relevant to the loan. You must also declare your movable and immovable assets, such as land and deposits. Submit all of this together with land certificates, account records and the Kisan Card. Two guarantors are required, and details of their movable and immovable assets must be furnished as well.
Are the loans genuinely interest-free, and what repayment period applies?
Yes, the loans carry no interest, and the scheme is a lending arrangement rather than an equity one, so no stake in your enterprise is taken in return. On repayment, short-term crop loans are repaid over one year, while medium-term loans run for three years from the date of disbursement.
How does a self-help group apply?
An SHG borrowing up to ₹5 lakh must submit a comprehensive project report or proposal along with its application, and that detailed report is important to how the group's case is evaluated. The group also needs to maintain an account with a cooperative bank and be registered for agriculture or agriculture-related schemes operated by the State or Central Government.
Where do I apply?
Collect the application form from your local bank or cooperative committee and submit the completed form with all supporting documents to the relevant bank or committee. The official scheme page is available at https://cooperative.uk.gov.in/scheme/deendayal-upadhay-sahkarita-kisan-kalyan-yojana/.
Does Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan take equity?
No. Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan is debt / loan and is non-dilutive — the provider does not take an equity stake in your startup.
Is DPIIT recognition required for Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan, though having it can strengthen your application and unlock other benefits.
Who offers Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan?
Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan is offered by Cooperative Department, Government of Uttarakhand, a government body. It is provided as non-dilutive funding.
How do I apply for Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan?
Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.
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