Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy
A Rajasthan government scheme that gives specially-abled founders a business loan of up to ₹5,00,000 plus a subsidy of up to ₹50,000, with applications open all year and no equity taken.
- Funding amount
- ₹5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Department of Social Justice and Empowerment, Government of Rajasthan (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
The Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana is a self-employment financing programme run by the Department of Social Justice and Empowerment, Government of Rajasthan. It exists for one group of people: residents of the state living with a disability who want to start earning through a business of their own rather than depending on wage work.
Access to capital is the single biggest barrier for disabled entrepreneurs moving from an idea to a running venture. This scheme tackles that barrier head-on by pairing a bank loan with a state subsidy, which means the amount a beneficiary has to repay is smaller than the amount actually invested in the business.
The list of businesses that qualify is intentionally wide. Long-established trades such as tailoring and carpentry sit alongside modern service lines like computer institutes and mobile repairing. Ventures recommended by the Disabled Vocational Rehabilitation Center, Jaipur, can also be considered, so applicants are not confined to a narrow set of trades.
There is no closing date — the scheme accepts applications throughout the year — and every application is handled at the district level. Because the support is structured as debt plus a subsidy rather than an investment, the founder retains complete ownership of the enterprise.
Highlights
- Loan of up to ₹5,00,000 with a subsidy of up to ₹50,000 (50% of the loan, whichever is lower)
- Exclusively for specially-abled individuals with 40% or more disability
- Restricted to native residents of Rajasthan aged 18 to 55
- Family annual income from all sources must stay within ₹2,00,000
- Rolling applications — there is no last date to apply
- Funding is a loan plus subsidy, so no equity or ownership is taken
Who can apply
Only individuals who satisfy every condition listed below can apply. The District Officer verifies each one against the documents you file, so keep proof ready for all of them.
- Disability: You must be a specially-abled person as defined under the Persons with Disabilities Act, 1995, with a disability of 40% or more. A valid disability certificate is compulsory.
- Domicile: You must be a native resident of Rajasthan.
- Age: Between 18 and 55 years.
- Family income: Combined annual income from all sources must not exceed ₹2,00,000.
- No prior subsidy: You should not have taken benefits under any other self-employment subsidy scheme.
- Clean loan record: No overdue amounts against you from banks, cooperative societies or government institutions.
- Documents: A valid disability certificate and a bank passbook are mandatory at the time of application.
Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy 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
Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy 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
Support under the scheme arrives in two components, both tied to the self-employment venture you propose.
- Loan: A maximum of ₹5,00,000 to cover the initial expenses of setting the business up.
- Subsidy: The state contributes 50% of the loan amount, capped at ₹50,000, whichever of the two comes out lower.
Because the subsidy is adjusted against the borrowing, it directly trims the repayment burden on the beneficiary. It is a one-time financial push intended to make the venture sustainable rather than to fund it indefinitely.
The structure is debt-based, so the department takes no shares and no ownership stake — the business stays fully in the hands of the founder.
About the provider
Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy is offered by Department of Social Justice and Empowerment, Government of Rajasthan, 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 move through three clear checkpoints, the first at district level and the second at the bank.
- District officer scrutiny (about one month): The District Officer of the Social Justice and Empowerment Department examines the form and the attached papers to confirm that the applicant actually meets the eligibility conditions. This verification is normally completed within a month of the application being received.
- Bank appraisal: Files that clear the eligibility check are forwarded to the concerned bank. The bank then carries out its own due diligence and takes a call on the loan according to the rules that apply to it, based on how it assesses the proposed venture.
- Sanction and intimation: Once the bank gives its approval, the grant component is sanctioned and the applicant is officially informed about the approval and the disbursement that follows.
Documents you’ll need
Before you apply to Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy, 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
Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy 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 exactly is the Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana?
It is a self-employment scheme from the Department of Social Justice and Empowerment, Government of Rajasthan, created specifically for specially-abled residents of the state. It combines a loan from a bank with a subsidy from the state so that beneficiaries can launch a micro-enterprise and build an independent livelihood.
How much financial support does the scheme provide?
You can borrow a maximum of ₹5,00,000 to set up your venture. Alongside that, the state gives a subsidy equal to half the borrowed amount, subject to a ceiling of ₹50,000 — whichever of those two figures is lower applies. The subsidy portion reduces how much you ultimately have to repay.
Who is eligible to apply?
You need to be a specially-abled person with a disability of at least 40%, a native resident of Rajasthan, and between 18 and 55 years old. Your family's total annual income from all sources cannot cross ₹2,00,000. You must also be free of overdue loans owed to banks, cooperative societies or government institutions, and you should not have already received benefits under another self-employment subsidy scheme. A valid disability certificate and a bank passbook are required.
Does the scheme take equity in my business?
No. The assistance is structured as debt — a loan that you repay — together with a subsidy that reduces what you owe. The department does not acquire shares or any ownership stake in the venture, so the business remains entirely yours.
Which business activities can be funded?
The approved activities are spread across several sectors. Retail outlets such as grocery shops, auto parts stores and building materials shops qualify, as do service setups like electric motor repair, mobile repair and computer centres. Food ventures including dhabas and bakeries are covered, along with crafts such as jewellery making and embroidery, and agriculture-linked businesses like fertiliser shops and animal husbandry. Ventures suggested by the Disabled Vocational Rehabilitation Center, Jaipur, may also be considered.
How do I apply for this scheme?
Collect the prescribed form from the office of the District Social Justice and Empowerment Officer, or download it from the department's website at https://sje.rajasthan.gov.in/Default.aspx?PageID=115. Fill in all mandatory fields accurately, attach self-attested copies of the required documents, and submit the signed form to the District Officer handling the scheme. Always ask for an acknowledgement receipt — it should show the date and time of submission and, where applicable, a unique identification number for tracking your file later.
What documents do I need to submit?
You will typically need self-attested copies of your disability certificate, family income certificate, age proof, residence proof, Aadhaar card and bank passbook. Make sure every copy is clearly legible, since unclear documents can slow down verification.
Is there an application deadline?
There is no deadline. The scheme runs on a rolling basis and applications are accepted round the year, so you can approach your District Social Justice and Empowerment Officer whenever you are ready to apply.
What happens after I submit my application?
The District Officer first verifies your eligibility, normally within a month of receiving the application. Once eligibility is confirmed, the file is forwarded to the concerned bank, which performs its own due diligence and approves the loan under its applicable rules after assessing your proposed venture. After the bank's approval, the grant component is sanctioned and you are officially notified of the approval and the disbursement process.
Can I apply if I have already taken a subsidy under another self-employment scheme?
No. Having availed benefits under any other self-employment subsidy scheme disqualifies you. Applicants with overdue loans from banks, cooperative societies or government institutions are also not eligible.
Is DPIIT recognition required for Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy, though having it can strengthen your application and unlock other benefits.
Who offers Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy?
Mukhyamantri Vishesh Yogyajan Swaraozgar Yojana: ₹5L Loan + ₹50K Subsidy is offered by Department of Social Justice and Empowerment, Government of Rajasthan, a government body. It is provided as non-dilutive funding.
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