The Sant Ravi Das Swarojgaar Yojana, launched by the Tribal Welfare and Scheduled Caste Department, Madhya Pradesh, is a visionary initiative aimed at fostering self-employment opportunities for individuals from the Scheduled Caste (SC) community. This scheme provides financial assistance and skill development support to help beneficiaries establish sustainable businesses in sectors like manufacturing, retail trade, and services. By offering interest subsidies and entrepreneurship training, the scheme ensures that SC entrepreneurs receive the tools and resources they need to thrive economically.

Key Benefits of the Sant Ravi Das Swarojgaar Yojana

1. Financial Assistance:
   • Manufacturing units: Loans ranging from ₹1 lakh to ₹50 lakh.
   • Service/retail trade projects: Loans ranging from ₹1 lakh to ₹25 lakh.
2. Interest Subsidy:
   • Beneficiaries are entitled to a 5% annual interest subsidy on Term and Working Capital Loans for up to 7 years, including the moratorium period.
   • The subsidy is provided only if loan repayments are made as per the prescribed schedule.
3. Entrepreneurship Development Training:
   • A 12-day online training module is offered to equip beneficiaries with essential entrepreneurial skills.

Eligibility Conditions

To qualify for the Sant Ravi Das Swarojgaar Yojana, applicants must meet the following criteria;

1. Residency: The applicant must be a permanent resident of Madhya Pradesh.
2. Age Limit: The applicant should be between 18 and 40 years of age.
3. Caste Category: The applicant must belong to the Scheduled Caste community.
4. Educational Qualification: The applicant should have passed at least the 12th standard.
5. Income Ceiling:
   • The annual family income should not exceed ₹12 lakhs.
6. Loan Defaulters:
   • The applicant should not be a defaulter of any bank or financial institution, including MFIs, NBFCs, SFBs, or PACS.
7. Exclusivity:
   • The applicant should not currently be a beneficiary of any other self-employment scheme run by the state or central government.

Family Definition

• Unmarried Applicants: Include the applicant and dependent parents.
• Married Applicants: Include the applicant, spouse, and dependent children (no age bar for unmarried, dependent children).

Exclusions

Certain conditions disqualify applicants from availing the scheme;

1. Being a defaulter of any bank or financial institution.
2. Already benefiting from another self-employment scheme of the state or central government.

How to Apply – Offline Application Process

1. Visit the Office:
   • Go to the Scheduled Caste Welfare Department Office during office hours.
2. Collect Application Form:
   • Request the hard copy of the prescribed application form from the concerned authority.
3. Fill the Form:
   • Complete all mandatory fields in the application form.
   • Paste a signed passport-sized photograph (if required).
   • Attach copies of all required documents (self-attest where necessary).
4. Submit the Application:
   • Submit the duly filled and signed application form along with the documents to the concerned authority within the prescribed period (if applicable).
   • Request an acknowledgment receipt containing essential details such as the date and time of submission and a unique identification number.

Necessary Documents for Application

Ensure you have the following documents ready (self-attested where applicable);

1. Aadhaar Card.
2. Proof of Identity and Residence: Voter ID, ration card, or any valid document.
3. Caste Certificate: Issued by a competent authority.
4. Income Certificate: Reflecting the annual family income.
5. Educational Qualification Certificate: Proof of passing the 12th standard.
6. Bank Account Details: Copy of passbook or canceled cheque.
7. Project Proposal: Detailed plan of the proposed business.
8. Loan Sanction Letter: From the lending institution.
9. Photographs: Passport-sized photographs of the applicant.

Frequently Asked Questions (FAQs)

Q.1 What is the Sant Ravi Das Swarojgaar Yojana?

It is a self-employment scheme for Scheduled Caste individuals in Madhya Pradesh, providing financial assistance and interest subsidies for starting businesses.

Q.2 Who is eligible for this scheme?

Scheduled Caste residents of Madhya Pradesh aged 18–40, with a family income below ₹12 lakhs, who are not defaulters or beneficiaries of other schemes.

Q.3 What is the income limit for eligibility?

The annual family income should not exceed ₹12 lakhs.

Q.4 Can I apply if I am a defaulter of any bank?

No, defaulters of banks or financial institutions are not eligible for this scheme.

Q.5 Is there an age limit for applicants?

Yes, applicants must be between 18 and 40 years of age.

Q.6 What types of loans are covered under the scheme?

Term and Working Capital Loans for manufacturing units (up to ₹50 lakh) and service/retail trade projects (up to ₹25 lakh).

Q.7 What is the training provided under the scheme?

A 12-day online entrepreneurship development training is provided to enhance business skills.

Q.8 Can I avail of the scheme if I am already benefiting from another self-employment scheme?

No, beneficiaries of other self-employment schemes are not eligible.

Why Choose Sant Ravi Das Swarojgaar Yojana?

This scheme empowers Scheduled Caste individuals by providing them access to affordable credit and entrepreneurship training. By reducing financial barriers and offering skill development opportunities, it enables beneficiaries to build sustainable livelihoods and contribute to the economic growth of their communities.

For further assistance or queries, contact:

• Scheduled Caste Welfare Department Office: Visit your nearest office during working hours.
• Helpline Number: Contact your local department office for updates and guidance.
• Scheme Update & Guidelines