CMSES

Chief Minister's Self Employment Scheme

राज्य नकद

राज्य / केंद्र शासित प्रदेश: सिक्किम

नोडल विभाग: Department Of Personnel, Administrative Reforms, Training & Public Grievances

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

योजना प्रारंभ तिथि: 2008-10-16

श्रेणियाँ: कौशल और रोजगार, बैंकिंग, वित्तीय सेवाएँ और बीमा

उप-श्रेणियाँ: Loan, Employment services and jobs

लक्षित लाभार्थी: व्यक्तिगत

टैग: Loan, Unemployed, BPL, Empowerment

विवरण

The "Chief Minister's Self Employment Scheme" was launched by the Department of Personnel, and Reforms, Training, Public Grievances, Government of Sikkim. The scheme aims to provide loan to unemployed youth who belong below the poverty line. The Chief Minister's Self Employment Scheme shall be a link program for all those unemployed youth who are trained in the Constituency wise Livelihood schools across the State, irrespective of their educational qualification and age to start up self-employment ventures in business, service and industrial activities.

लाभ

- Loans up to ₹3,00,000/- per individual
Loans are interest-free for 2 years, followed by a 6% simple interest rate. Note: In case of the death of a loan recipient, the co-applicant shall be liable for a refund of the outstanding loan. The co-applicant is liable for a refund of only the principal amount to be paid within a period not exceeding one year

Loans up to ₹3,00,000/- per individual.
Loans are interest-free for 2 years, followed by a 6% simple interest rate.

Note: In case of the death of a loan recipient, the co-applicant shall be liable for a refund of the outstanding loan. The co-applicant is liable for a refund of only the principal amount to be paid within a period not exceeding one year.

पात्रता

The applicant should be unemployed.
The applicant's age should be between 22 to 35 years.
The applicant should have passed the 10th class.
The applicant's family annual income should not exceed ₹2,50,000/-.
Only one member per family shall be considered for the benefit, except in the case of Below Poverty Line (BPL) families.

आवेदन प्रक्रिया

Offline

Step 1: The interested applicant should visit (during office hours) the Sikkim Industrial Development & Investment Corporation and request a hard copy of the prescribed format of the application form from the staff exclusively entrusted to issue and collect filled-in applications.
Step 2: In the application form, fill in all the mandatory fields, and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents to the Sikkim Industrial Development & Investment Corporation.
Step 4: Request a receipt or acknowledgment from the Sikkim Industrial Development & Investment Corporation to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

Who is eligible for the Chief Minister's Self Employment Scheme (CMSES)?: Sikkim Subject Certificate/Certificate of Identification holders and their descendants aged 22 to 35 years, who have passed Class X and are unemployed, are eligible.
What is the income limit for eligibility under the CMSES?: The gross income of the applicant's parents from all sources should not exceed Rs. 2.50 lakhs annually, as certified by the District Collector.
How many members of a family can benefit from the CMSES?: Only one member per family is eligible, except for families Below Poverty Line (BPL), where more than one member can benefit.
Are children of government or public sector employees eligible for CMSES?: Yes, children of government or public sector employees are eligible, provided they meet all other eligibility criteria.
What is the maximum loan amount that can be sanctioned under CMSES?: The maximum loan amount that can be sanctioned under the scheme is ₹3.00 lakhs per individual.
Is there any processing fee for the loan application?: Yes, a processing fee of 1% of the sanctioned amount is charged to cover administrative expenses.
What happens in the case of the loanee's death?: In the event of the loanee's death, the co-applicant is liable for refunding the outstanding loan, ideally limited to the principal amount, within a period not exceeding one year.
Which agency is responsible for accepting and disbursing loan applications?: The Sikkim Industrial Development & Investment Corporation (SIDICO) is the prescribed agency for accepting and disbursing loan applications under the scheme.
How often are loans disbursed under CMSES?: Loans under the scheme are disbursed on a quarterly basis after final approval by the government.
What criteria are used to assess loan applications?: Loan applications are assessed based on the genuineness of the request, the candidate's ability to establish and run the project, and their capacity to repay the loan. Preference is given to those with higher/specialized training in the relevant field.
How is the loan amount divided among districts?: The total amount of the loan is proportionately divided among the four districts based on their population percentage.
What follow-up actions does SIDICO undertake after disbursing loans?: SIDICO monitors the performance of the beneficiaries to ensure the self-employment venture is successful and meets the government's objectives.
What is the procedure for recovering loans under the CMSES?: SIDICO prepares a repayment schedule for each individual case and takes necessary steps, including legal action if required, to recover loans in case of chronic and intentional defaults.

आधिकारिक लिंक

संदर्भ

Guidelines

आवेदन करें

अभी आवेदन करें

Loan Unemployed BPL Empowerment

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
Bank Account Details
Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।