Jyoti
The Divyangjan Udyami Yojana is a flagship initiative launched by the Government of Bihar in 2025 to promote entrepreneurship among persons with disabilities (PwDs), referred to as Divyangjan. This scheme is a specialized extension of the broader Mukhyamantri Udyami Yojana, which supports various marginalized groups including women, SC/ST, and minorities.
Under this scheme, eligible Divyangjan can receive up to ₹10 lakh in financial assistance to start or expand their own businesses—comprising a ₹5 lakh subsidy and a ₹5 lakh interest-free loan.
Divyangjan Udyami Yojana 2025
The Divyangjan Udyami Yojana is a visionary initiative launched by the Government of Bihar to foster entrepreneurship among persons with disabilities (PwDs), empowering them to become self-reliant contributors to the economy. Recognizing the unique challenges faced by Divyangjan in accessing traditional employment and financial resources, this scheme offers a robust support system—including substantial financial aid, interest-free loans, and institutional backing—to help them launch or expand their own businesses. By promoting inclusive growth and economic independence, the scheme marks a significant step toward building a more equitable and opportunity-rich society.
Main Objectives of Divyangjan Udyami Yojana
The Divyangjan Udyami Yojana is designed to uplift persons with disabilities (PwDs) by enabling them to become independent entrepreneurs. The scheme reflects the Bihar Government’s commitment to inclusive development and economic empowerment.
Bihar Post-Matric Scholarship 2025 – Apply Online
Key Objectives:
- Promote Self-Reliance:
Encourage Divyangjan to start their own businesses and reduce dependency on government jobs or financial aid. - Boost Inclusive Entrepreneurship:
Create equal opportunities for specially-abled individuals in the entrepreneurial ecosystem. - Provide Financial Support:
Offer a combined package of ₹10 lakh (₹5 lakh subsidy + ₹5 lakh interest-free loan) to remove financial barriers. - Encourage Skill Utilization:
Help Divyangjan turn their education, talents, and ideas into viable business ventures. - Enhance Social Dignity:
Empower beneficiaries to contribute actively to society and improve their quality of life. - Support Sustainable Livelihoods:
Promote long-term income generation and job creation through micro and small enterprises.
Eligibility Criteria for Divyangjan Udyami Yojana
To ensure that the benefits of the Divyangjan Udyami Yojana reach the right individuals, the Bihar Government has outlined specific eligibility conditions. Applicants must meet all the following criteria to qualify for financial assistance under this scheme.
Who Can Apply:
- Resident of Bihar:
The applicant must hold a valid domicile certificate proving permanent residency in Bihar. - Person with Disability (PwD):
Must possess a government-issued Disability Certificate confirming physical, visual, hearing, or other certified impairments. - Minimum Educational Qualification:
Should have passed at least Class 10 (Matriculation) from a recognized board. - Age Requirement:
Must be 18 years or older at the time of application. - No Loan Default History:
The applicant should not be a defaulter in any previous government loan or subsidy scheme. - Business Proposal:
Must submit a viable business plan or proposal outlining the intended enterprise. - Bank Account:
Should have an active bank account linked with Aadhaar for fund transfer.
Financial Support Details under Divyangjan Udyami Yojana
The Divyangjan Udyami Yojana offers a comprehensive financial package to help persons with disabilities (PwDs) launch or expand their own businesses. The scheme provides a total assistance of ₹10 lakh, combining both grant and loan components.
Financial Support Details – Key Highlights
Financial aid can be used for raw materials, infrastructure, branding, or service setup
🟢 Total Assistance: ₹10 lakh per eligible beneficiary
(₹5 lakh subsidy + ₹5 lakh interest-free loan)
✅ Subsidy Component: ₹5,00,000
- Non-repayable grant from the Bihar Government
- Can be used for business setup, equipment, or marketing
💸 Interest-Free Loan: ₹5,00,000
- No interest charged
- Repayable over a fixed period (terms to be notified by authorities)
- No collateral required
🏦 Direct Bank Transfer:
Funds are credited directly to the applicant’s verified bank account
📈 Initial Target:
- First phase to support 100 Divyangjan entrepreneurs
- Expansion planned based on application volume and success rate
🔍 Key Highlights:
- No Collateral Required:
Beneficiaries are not required to pledge any assets to avail the loan. - Zero Interest Burden:
The ₹5 lakh loan is completely interest-free, making repayment easier. - Direct Bank Transfer:
Funds are transferred directly to the beneficiary’s bank account after approval. - Business Setup Support:
The financial aid can be used for purchasing equipment, raw materials, marketing, or infrastructure setup. - Initial Target:
The scheme aims to support 100 Divyangjan entrepreneurs in its first phase, with plans to expand based on demand and performance
Here’s a clear, step-by-step guide for your website GovtSchemeApply.com on how to apply for the Divyangjan Udyami Yojana. It’s designed for mobile-friendly readability and optimized for your audience of job seekers and entrepreneurs.
🖥️ How to Apply for Divyangjan Udyami Yojana
Eligible applicants can apply online through the official Bihar Government portal dedicated to entrepreneurship schemes.
Step-by-Step Application Process:
- Visit the Portal:
Go to udyami.bihar.gov.in and select the option for Divyangjan Udyami Yojana. - Register Yourself:
Enter your mobile number and verify it using the OTP sent to your phone. - Fill in Personal Details:
Provide your name, address, Aadhaar number, disability certificate number, and educational qualifications. - Upload Required Documents:
Attach scanned copies of:- Aadhaar Card
- Disability Certificate
- Domicile Certificate
- Educational Certificate
- Passport-size Photograph
- Bank Account Details
- Business Plan Document
- Submit Your Business Proposal:
Fill in the business idea section with details like type of business, estimated cost, location, and expected outcomes. - Final Submission:
Review all details and click on “Submit.” You’ll receive an application ID for future tracking. - Track Application Status:
Use your registered mobile number or application ID to check the status of your submission on the portal
Additional Announcements for Divyangjan
The Bihar government has also introduced complementary incentives:
- ₹50,000 grant for Divyangjan who qualify BPSC Prelims
- ₹1 lakh grant for those who qualify UPSC Prelims
- Promotion of Divyangjan products through Divya Kala Mela and other platforms
Dhruvaj
