SJY

Satat Jeevikoparjan Yojana (SJY)

Satat Jeevikoparjan Yojana (SJY) is a flagship initiative by the Government of Bihar aimed at uplifting ultra-poor households through comprehensive livelihood support. The program provides financial assistance, mentoring, and capacity-building training, focusing on social empowerment and inclusion of vulnerable groups, including SC/ST communities, while facilitating access to essential resources for sustainable development.

State Composite

States / UT: Bihar

Nodal department: Rural Development Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Scheme open date: 2018-08-05

Categories: Education & Learning, Business & Entrepreneurship

Sub-categories: Apprenticeships and training

Target beneficiaries: Individual

Tags: Livelihood Support, Capacity Building, Rural Development, Skill Upgradation, Training

Details

"Satat Jeevikoparjan Yojana (SJY)", launched by the Government of Bihar on August 5, 2018, aims to empower approximately 100,000 ultra-poor households by providing sustainable livelihood opportunities. The program, implemented by the Bihar Rural Livelihoods Promotion Society (JEEViKA), employs the globally recognized Graduation Approach. This initiative supports targeted households with asset transfers, capacity-building training, livelihood gap assistance, and mentoring for 24 months, ensuring long-term self-reliance. Beneficiaries also gain access to insurance, public entitlements, and relief support during crises like COVID-19.


Benefits

  • > Financial Assistance:
  • Livelihood Gap Assistance: ₹1,000/- per month for the initial seven months to support basic needs. - Asset Transfers: Productive Asset (micro-enterprise, livestock, agriculture) transfer of an average value of ₹60,000/- is given in 2-3 tranches with a limit of ₹1,00,000/-. - Insurance Coverage: Insurance premiums cover for each beneficiary under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Pradhan Mantri Suraksha Bima Yojana (PMJSBY). > Mentoring and Capacity Building:
  • Long-Term Mentorship: 24 months of personalized guidance by Master Resource Persons (MRPs). - Training Programs: Capacity-building sessions to enhance confidence and entrepreneurial skills. - Life-Skills Coaching: General coaching to improve household management and decision-making abilities. > Social Empowerment:
  • Targeting Ultra-Poor: Focused support for ultra-poor households, including those traditionally engaged in informal sectors. - Community Inclusion: Strengthened participation through Village Organizations (VOs) for oversight and support

Financial Assistance:

- **Livelihood Gap Assistance:**  ₹1,000/- per month for the initial seven months to support basic needs.    - **Asset Transfers:**  Productive Asset (micro-enterprise, livestock, agriculture) transfer of an average value of ₹60,000/- is given in 2-3 tranches with a limit of ₹1,00,000/-.    - **Insurance Coverage:** Insurance premiums cover for each beneficiary under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Pradhan Mantri Suraksha Bima Yojana (PMJSBY).

Mentoring and Capacity Building:

- **Long-Term Mentorship:** 24 months of personalized guidance by Master Resource Persons (MRPs).    - **Training Programs:** Capacity-building sessions to enhance confidence and entrepreneurial skills.    - **Life-Skills Coaching:** General coaching to improve household management and decision-making abilities.

Social Empowerment:

- **Targeting Ultra-Poor:** Focused support for ultra-poor households, including those traditionally engaged in informal sectors.    - **Community Inclusion:** Strengthened participation through Village Organizations (VOs) for oversight and support.

Eligibility

  • The applicant must be a resident of Bihar.
  • The applicant must belong to an ultra-poor household identified through participatory processes.
  • The applicant must belong to socially or economically vulnerable groups, such as SC/ST communities.
  • The applicant should not have significant alternative livelihood sources.

Exclusions


Application Process

Online

Step 1: Eligible ultra-poor households are identified through a participatory process facilitated by Village Organizations (VOs).
Step 2: Applicants need to provide the required documents to JEEViKA representatives.
Step 3: The submitted documents and eligibility criteria are verified by program authorities.
Step 4: Once approved, the beneficiaries are enrolled in the program and assigned to a Master Resource Person (MRP) for guidance. Also, beneficiaries receive other assistance as well.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is the purpose of the "Satat Jeevikoparjan Yojana (SJY)"?
The purpose of SJY is to uplift ultra-poor households in Bihar by providing financial assistance, livelihood support, and skill development opportunities.
Who can benefit from the SJY program?
Ultra-poor households, particularly those from socially and economically vulnerable groups such as SC/ST communities in Bihar, can benefit from SJY.
How are beneficiaries identified under SJY?
Beneficiaries are identified through a participatory process conducted by Village Organizations, ensuring the inclusion of the most disadvantaged households.
What kind of financial support is provided under SJY?
Beneficiaries receive a monthly livelihood gap assistance of ₹1,000/- for seven months and asset transfers worth up to ₹1,00,000/- to start enterprises.
What is the role of the Village Organization (VO) in the program?
The Village Organization oversees the identification of beneficiaries, builds their confidence, and facilitates financial and livelihood support.
What is the “Graduation Approach” used in SJY?
The "Graduation Approach" is a holistic model that combines asset transfers, training, mentoring, and financial inclusion to help households achieve self-sufficiency.
How does SJY provide training to beneficiaries?
Beneficiaries receive regular training sessions on capacity building, life skills, and enterprise development through the program's community-based framework.
What types of assets are provided to beneficiaries under SJY?
Beneficiaries receive productive assets such as livestock, agricultural tools, or equipment for small businesses to support livelihood activities.
What mentoring support is available for beneficiaries?
Trained Master Resource Persons (MRPs) provide personalized mentoring and support to beneficiaries for 24 months, ensuring sustainable livelihood development.
Is insurance coverage included in SJY?
Yes, beneficiaries are enrolled in the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMJSBY) for life and accidental insurance.
What public entitlements can beneficiaries access through SJY?
SJY facilitates access to public benefits such as the Public Distribution System (PDS), housing schemes, and pensions for eligible beneficiaries.
What is the duration of the support provided under SJY?
Beneficiaries receive comprehensive support, including financial aid, training, and mentoring, for a period of 24 months.
Is there any cost involved for beneficiaries to join SJY?
No, all services and benefits provided under the SJY program are completely free of cost for beneficiaries.
How can one apply for SJY?
Beneficiaries do not need to apply directly, as eligible households are identified through a community participatory process and enrolled with the guidance of Village Organizations.

References

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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:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status