Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs

The Rajiv Gandhi Swavlamban Rojgar Yojna (RGSRY) is a self-employment financing scheme operated by the Delhi Khadi & Village Industries Board (DKVIB) with support from the Government of NCT of Delhi. It is built around a simple idea — give residents of the capital access to repayable capital so they can convert a trade, a skill or a small business idea into a running enterprise, and in doing so create work for others.

The scheme is offered as a loan of up to ₹3,00,000, not as equity or a pure grant. Alongside the loan, the Delhi government adds a 15% subsidy on the project cost, capped at ₹7,500 per entrepreneur. Applications run through the year, and eligible proposals are taken up on a first come, first served basis.

RGSRY is aimed at a wide slice of Delhi's workforce: unemployed youth, skilled professionals, artisans, school and college dropouts, individual entrepreneurs, trade professionals and small-scale industrial units. Ventures can come up in permissible industries spanning the secondary, tertiary and services sectors, so both manufacturing-style activity and service businesses are in scope.

What makes the programme broader than a plain loan window is the support wrapped around the money. Beneficiaries receive skill development in bookkeeping, marketing, product costing and project financing, so they can actually run the books and price their output. They also get marketing help — displaying products at Delhi Emporium, reaching DSIIDC and cooperative stores for manufacturing and branding, and taking part in trade fairs and exhibitions.

Taken together, the loan, the subsidy, the training and the market access make RGSRY a practical entry point for first-time entrepreneurs in the National Capital Territory of Delhi who would otherwise struggle to raise formal credit.

• Loan of up to ₹3,00,000 for eligible Delhi projects
• 15% project cost subsidy, capped at ₹7,500 per entrepreneur
• 5-year repayment in quarterly instalments with a 12-month principal moratorium
• Own contribution of 10%, or 5% for SC/ST/OBC/PH/Women/Ex-Servicemen
• Skill training in bookkeeping, marketing, costing and project financing
• Marketing support via Delhi Emporium, DSIIDC/cooperative stores and trade fairs

RGSRY is open to people who want to start or expand a small enterprise within the National Capital Territory of Delhi.

• Age: Applicants must be between 18 and 50 years.
• Who can apply: Unemployed youth, skilled professionals, artisans, school and college dropouts, individual entrepreneurs, trade professionals and small-scale industrial units.
• Location: The enterprise must be located in the NCT of Delhi.
• Sector: Permissible industries in the secondary, tertiary and services sectors.
• Own contribution: A minimum of 10% of the project cost must come from the applicant, reduced to 5% for SC/ST/OBC/PH/Women/Ex-Servicemen applicants.

Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs is open to startups at any stage. It is open to startups registered anywhere in India.

Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs 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 core benefit is a loan of up to ₹3,00,000 for an eligible project.

• Subsidy: The Government of Delhi gives a subsidy of 15% of the project cost, capped at ₹7,500 per entrepreneur. It is adjusted against the loan account after two years from disbursement.
• Repayment: The loan is repayable over 5 years in equal quarterly instalments.
• Moratorium: Principal recovery begins after a 12-month moratorium from the date of disbursement, while interest accrues from the first quarter.
• Lower contribution for weaker sections: SC/ST/OBC/PH/Women/Ex-Servicemen applicants contribute 5% of project cost instead of the standard 10%.

Beyond the money, recipients get skill development training in bookkeeping, marketing, product costing and project financing, plus marketing support — product display at Delhi Emporium, access to DSIIDC and cooperative stores for manufacturing and branding, and participation in trade fairs and exhibitions.

Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs is offered by Delhi Khadi & Village Industries Board, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

There is no competitive pitch round. Applications are handled on a first come, first served basis, so the order in which complete applications arrive matters.

1. Application submission — through the online portal at rgsry.co.in or by submitting the offline form to the DKVIB office.
2. Verification by the Board — the Delhi Khadi & Village Industries Board checks each application for eligibility and compliance with scheme guidelines, and evaluates the project proposal and the applicant's credentials.
3. Approval and disbursement — once verification is successful, the applicant becomes eligible for the scheme's benefits.

Before you apply to Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs, 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.

Rajiv Gandhi Swavlamban Rojgar Yojna — ₹3L Loan for Delhi Entrepreneurs is best suited for startups in India seeking non-dilutive funding of ₹3L. If that describes your startup, review the eligibility criteria above before applying.