Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana — ₹10,000 – ₹5L Startup Loan — Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.

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.

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.

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/.

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.

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.

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.

Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.