The “Shop Construction/Shop Operation Scheme for Rehabilitation of Persons with Disabilities (PwDs)” is a special initiative by the Government of Uttar Pradesh aimed at providing self-employment opportunities for disabled individuals. This scheme provides financial assistance in the form of a loan and grant to help PwDs either construct or operate a shop, khokha, gumti, or handcart, thereby promoting economic independence and social inclusion.

Key Highlights of UP Divyangjan Loan for Self-Employment

• Scheme Name: Shop Construction/Shop Operation Scheme for PwDs
• State: Uttar Pradesh
• Implementing Body: Department for Empowerment of Persons with Disabilities, Uttar Pradesh
• Target Group: PwDs with at least 40% disability
• Financial Support: Loan + Grant for shop construction/operation
• Application Mode: Online (Official Portal)

Objectives of the Scheme

• Rehabilitate Persons with Disabilities by promoting small business ownership
• Provide financial aid and low-interest loans to construct or operate a shop or mobile business
• Encourage PwDs to become self-reliant and financially stable
• Ensure PwDs gain access to livelihood opportunities in urban and rural areas

Benefits

For Shop Construction

• Total Financial Support: ₹20,000

• Loan: ₹15,000 at 4% interest

• Grant: ₹5,000

For Shop Operation / Khokha / Gumti / Handcart

• Total Financial Support: ₹10,000

• Loan: ₹7,500 at 4% interest

• Grant: ₹2,500

Payment Mode

• Financial support is disbursed directly into the applicant’s bank account via e-payment
• Applications are processed on a first-come, first-served basis

Loan Repayment Terms

• Shop Construction: ₹500 per quarter for 30 quarters (starting after 1 year of loan sanction)
• Shop Purchase: ₹500 per quarter for 30 quarters (starts 3 months after payment)
• Khokha/Gumti/Handcart: ₹250 per quarter for 30 quarters (starts 3 months after payment)
• Interest Recovery: Begins after the principal is fully repaid, collected in 24 equal monthly installments
• Lump sum repayment of interest is also allowed

Eligibility Conditions

• Permanent Resident of Uttar Pradesh
• Minimum 40% disability, certified by CMO/CHC/PHC authorities
• Age between 18 and 60 years
• Should not have any criminal or financial convictions
• Must not be a defaulter of government dues
• Must own or be able to lease a minimum of 110 sq. ft. of land for shop
• Annual income should be below twice the poverty line income limit set by the government
• For rented premises, a 5-year lease agreement is required

How to Apply – Online Process

Step 1: Visit the Official PwD Welfare Portal, Government of UP.
Step 2: Click on “New Entry Form”
Step 3: Fill in the following sections:

• Personal Details

• Bank Account Information

• Income Certificate Upload

• Disability Details

• Type of Application (Construction or Operation)

Step 4: Upload necessary documents
Step 5: Click Submit to complete the application

Necessary Documents for Application

• Passport-size photograph of the applicant
• Valid Age Proof
• Identity Proof (Aadhaar Card, Voter ID, etc.)
• Disability Certificate (minimum 40%)
• Bank Details (Passbook copy or bank-issued letter)
• Income Certificate
• Proof of land ownership or 5-year lease agreement (if applicable)

Frequently Asked Questions (FAQs)

Q: What is the purpose of this scheme?
A: To provide financial support for PwDs to construct or operate a shop/handcart for self-employment.

Q: What is the disability requirement?
A: Applicant must have minimum 40% disability, certified by a CMO or PHC/CHC doctor.

Q: What is the maximum financial aid?
A: ₹20,000 (₹15,000 loan + ₹5,000 grant) for shop construction; ₹10,000 (₹7,500 loan + ₹2,500 grant) for shop operation.

Q: Is there an age limit?
A: Yes, applicants must be between 18 and 60 years old.

Q: Can a person from another state apply?
A: No, only permanent residents of Uttar Pradesh are eligible.

Q: Is there an income limit for applying?
A: Yes, annual income must not exceed twice the government-defined poverty line.

Q: How is the loan repaid?
A: Repayment is made in quarterly installments after a short grace period.

References & Important Links

• Official Website – UP Empowerment of PwDs
• Scheme Guidelines from Department of Empowerment of Persons with Disabilities, UP
• Application Form and FAQs – Available on the official portal