Dreaming of starting your own business in Bihar but held back by finances? What if you could get ₹10 Lakhs to launch your venture, and you only had to repay half of it?
This isn't just a dream. It's the reality offered by the Bihar Mukhyamantri Udyami Yojana, one of the most ambitious schemes by the Government of Bihar to transform job seekers into job creators.
This scheme is a golden ticket for aspiring entrepreneurs across the state. But navigating the details can be confusing. This guide provides a complete, step-by-step breakdown of the eligibility criteria, required documents, and the entire online application process for 2025.
What Exactly is the Mukhyamantri Udyami Yojana?
At its core, the Mukhyamantri Udyami Yojana is a financial assistance scheme designed to promote entrepreneurship among the youth, women, and specific communities in Bihar. It provides both financial support and the training needed to succeed.
The biggest highlight is the financial package: selected applicants receive a project loan of up to ₹10,00,000.
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₹5,00,000 is a subsidy (अनुदान), which you do not have to repay.
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The remaining ₹5,00,000 is an interest-free loan that you repay in 84 easy installments.
This scheme is divided into different categories to ensure inclusive growth:
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Mukhyamantri SC/ST/EBC Udyami Yojana
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Mukhyamantri Mahila Udyami Yojana (for women of all castes)
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Mukhyamantri Yuva Udyami Yojana (for general and OBC youth)
Key Highlights of the Scheme
For a quick overview, here are the most important details in a simple table.
| Feature | Details |
| Total Financial Assistance | ₹10,00,000 |
| Subsidy Amount | ₹5,00,000 (50%, Non-repayable) |
| Loan Amount | ₹5,00,000 (Repayable) |
| Interest on Loan | 1% (for Yuva Yojana) or 0% (for Women, SC/ST, EBC) |
| Repayment Period | 7 Years (84 Installments) |
| Training Stipend | ₹25,000 for mandatory training |
| Official Portal |
|
Am I Eligible? Complete Eligibility Criteria
This is the most important question. You must meet all the following criteria to be eligible to apply.
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Permanent Resident of Bihar: You must have a Bihar domicile.
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Age Limit: You must be between 18 and 50 years of age.
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Educational Qualification: You must have passed at least 10+2 (Intermediate), ITI, Polytechnic, Diploma, or an equivalent course.
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Business Entity: Your business must be a Proprietorship Firm, Partnership Firm, LLP, or a Private Limited Company.
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Bank Account: You must have a current bank account in the name of your firm.
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No Prior Benefits: You should not have previously availed benefits from this scheme.
Checklist: Documents Required for Application
Before you start the application, make sure you have scanned copies (JPEG, PDF, etc., under 120 KB each) of the following documents ready:
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Domicile Certificate (निवास प्रमाण पत्र)
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Matriculation (10th) Certificate (for date of birth proof)
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Intermediate (12th) or equivalent Certificate
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Caste Certificate (जाति प्रमाण पत्र) (for SC/ST/EBC applicants)
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Aadhaar Card
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PAN Card
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Applicant's Photograph (passport size)
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Applicant's Signature (scanned copy)
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Bank Statement (with cancelled cheque) for the firm's current account.
Step-by-Step Online Application Process
The application is accepted only through the official online portal. Follow these steps carefully:
Step 1: Registration
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Go to the official website:
udyami.bihar.gov.in. -
Click on the "पंजीकरण करें" (Register) button on the homepage.
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Fill in your basic details like name, email, mobile number, and Aadhaar number.
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Verify your mobile number with the OTP you receive.
Step 2: Login and Fill the Application Form
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Once registered, log in using your Aadhaar number and the password you created.
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An application form will open. It will have several sections (Personal Information, Education, Family, Business Details).
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Fill in all the details accurately. Pay special attention to the Project Details section. You will need to select the type of industry you plan to start from a predefined list.
Step 3: Upload Documents
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After filling the form, you will be prompted to upload the scanned copies of all the documents listed in the checklist above.
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Ensure each file is clear, legible, and below the specified size limit (120 KB).
Step 4: Final Submission
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Review your entire application form and all uploaded documents one last time.
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Once you are sure everything is correct, click on the Final Submit button.
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A receipt will be generated. Save and print this receipt for future reference.
What Happens After You Apply?
The selection is not immediate. The government follows a specific process:
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Scrutiny: All applications are checked for correctness and eligibility.
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Selection: The final beneficiaries are selected through a computerized lottery system in each category.
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Training: Selected candidates undergo a mandatory 2-week training program, for which they receive ₹25,000.
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Fund Disbursement: After training, the funds are disbursed in installments to the firm's bank account to set up the business unit.
Final Words: Your Journey Starts Now
The Mukhyamantri Udyami Yojana is more than just a loan; it's a launchpad for your entrepreneurial dreams. The process requires preparation and patience, but the opportunity it presents is immense.
While you plan your application, why not take the first step in building your business's online identity? A professional online presence shows that you are serious and ready for customers.
Get a head start on your competition. List your new business idea on iBihar.in for FREE today! Build your mini-website and be ready for customers the moment your project is approved.
Disclaimer: The information provided is based on the latest available data. Schemes and guidelines are subject to change. Always refer to the official government portal (udyami.bihar.gov.in) for the most current and accurate information.
