Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups
Need-based loans up to ₹5 lakh at 6% interest for SC/ST/OBC/Minority individuals in Delhi to start or expand small businesses.
- Funding amount
- ₹5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC) (government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
The Dilli Swarojgar Yojna is a flagship scheme of the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minorities Financial and Development Corporation (DSFDC), which operates under the Government of National Capital Territory (NCT) of Delhi. The programme is designed to promote self-employment and economic empowerment among individuals from historically marginalised communities, including Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and Minority groups.
The scheme provides need-based loans of up to ₹5,00,000 at a competitive interest rate of 6% per annum, making credit accessible for micro-entrepreneurs. It supports a wide range of income-generating activities, from traditional trades like vegetable, fruit and flower shops, dairy product vending, and tailoring, to other permissible non-polluting manufacturing ventures. By offering affordable credit, the Dilli Swarojgar Yojna aims to reduce unemployment, promote financial inclusion, and improve livelihoods for eligible residents of Delhi.
Highlights
- Need-based loans up to ₹5,00,000
- Low interest rate of 6% per annum
- Open to SC, ST, OBC, and Minority individuals
- Supports a wide range of income-generating activities
- Exclusively for Delhi residents with five years of residency
Who can apply
To apply for the Dilli Swarojgar Yojna, you must meet the following criteria:
- Community: Belong to a Scheduled Caste, Scheduled Tribe, Other Backward Class, or Minority community.
- Residency: Be a resident of Delhi for the last five years.
- Age: Be between 18 and 50 years.
- Income: Have an annual family income not exceeding ₹2,00,000 from all sources.
- Activity: Be willing to pursue an approved income-generating activity and have a proper workplace.
- Defaulter: Not be a defaulter under any previous DSFDC schemes.
- Education: Have passed at least 8th standard (waived for traditional artisans).
- Technical Qualification: Possess technical qualifications for the proposed activity, unless you are a traditional artisan or have 3+ years of experience in the same activity.
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups 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
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups 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 Dilli Swarojgar Yojna provides need-based loans of up to ₹5,00,000 to eligible individuals. The loan is disbursed at a highly affordable interest rate of 6% per annum, making it accessible to entrepreneurs from marginalised communities.
This financial support can be used to start or expand a variety of small businesses, including vegetable shops, dairy product businesses, tailoring units, and other non-polluting manufacturing activities. The scheme helps promote self-reliance and economic upliftment by providing crucial capital for income-generating ventures.
About the provider
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups is offered by Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC), 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 official portal. Confirm the current deadline and document checklist there before you start.
Selection process
Applications for the Dilli Swarojgar Yojna are subject to a rigorous review process by the DSFDC. The steps are as follows:
- Initial Screening: Submitted application forms and supporting documents are checked to verify eligibility criteria, including residency, age, family income, and community affiliation.
- Assessment of Activity: The proposed income-generating activity is thoroughly assessed, including the business plan, viability, and the applicant's technical qualifications or experience.
- Default Check: A check is carried out for any prior defaults with DSFDC or other financial institutions.
- Final Approval: Based on the overall assessment and the discretion of the DSFDC's selection committee, loans are sanctioned to deserving and viable applicants.
Documents you’ll need
Before you apply to Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups, 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
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups is best suited for startups in India seeking non-dilutive funding of ₹5L. If that describes your startup, review the eligibility criteria above before applying.
Frequently asked questions
What is the maximum loan amount and interest rate under Dilli Swarojgar Yojna?
You can avail need-based loans up to ₹5,00,000 (Rupees Five Lakhs only) at an interest rate of 6% per annum.
Who is eligible to apply for the Dilli Swarojgar Yojna?
The scheme is open to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minority communities who are residents of Delhi for at least five years. Applicants must be between 18 and 50 years of age, with an annual family income not exceeding ₹2,00,000 from all sources.
Is DPIIT or MSME registration required to apply?
The scheme does not mandate DPIIT or MSME registration. Eligibility is based on community, residency, age, income, and other specified criteria.
Does the scheme take equity in my business?
No, the Dilli Swarojgar Yojna provides loans, which are non-dilutive. You are required to repay the loan as per the agreed terms, but the DSFDC does not take any equity stake in your business.
What kind of activities can be funded under this scheme?
The scheme supports a variety of income-generating activities including, but not limited to, vegetable/fruit/flower shops, dairy product businesses, tailoring shops, and other permissible non-polluting manufacturing activities. The complete list is available in the scheme guidelines.
What is the application deadline for the Dilli Swarojgar Yojna?
The scheme is rolling and always open for applications. There is no fixed deadline, so you can apply at any time.
What documents are typically needed to apply?
You will need to submit the application form duly filled, a passport-sized photograph, and self-attested copies of supporting documents. These typically include proof of community (caste certificate), proof of Delhi residency, age proof, income certificate, educational qualifications, and technical qualifications or experience certificates for the proposed activity.
Is any specific qualification or experience required for the proposed activity?
Yes, applicants should have passed a minimum 8th standard and possess technical qualifications for their proposed activity. However, this requirement is waived for traditional artisans or entrepreneurs who have been engaged in the same activity for at least the past three years.
What is the application process for the Dilli Swarojgar Yojna?
To apply, visit any DSFDC branch office (at Rajpur Road, Mangolpuri, or Nand Nagri) or the headquarters at Rohini to collect the application form, or download it from the official DSFDC website. Fill it with all mandatory details, affix a passport-sized photograph, attach self-attested copies of required documents, and submit it at the nearest office along with a processing fee of ₹500 (paid via Demand Draft in favour of DSFDC). The application form fee is ₹100. After submission, you will receive an acknowledgment. If approved, you will receive a sanction letter, sign the loan agreement, and submit any post-sanction documents, after which the loan is disbursed to your bank account.
How is the loan repaid?
The loan must be repaid as per the agreed terms and conditions. Repayment is typically facilitated through Electronic Clearing Service (ECS) or post-dated cheques provided at the time of application.
How much funding does Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups provide?
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups provides ₹5L (up to) as debt / loan. Always confirm the exact amount and any conditions on the official site, as figures can change between cohorts.
Who offers Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups?
Dilli Swarojgar Yojna — Up to ₹5L Startup Loan for Indian Startups is offered by Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC), a government body. It is provided as non-dilutive funding.
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