SESSCT

Self-Employment Scheme for Scheduled Castes and Tribes

Scheduled Castes and Scheduled Tribes families living below the poverty line can access financial support through concessional loans ranging from ₹20,000 to ₹7,00,000, along with a government subsidy of up to ₹10,000 for self-employment in various sectors. Eligible applicants must meet specific income criteria, not exceed an annual income of ₹15,975 in rural areas or ₹21,206 in urban areas, and should not have previously received any government subsidy.

State Cash

States / UT: Uttarakhand

Nodal department: Department Of Social Welfare

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Categories: Business & Entrepreneurship, Skills & Employment, Banking,Financial Services and Insurance

Sub-categories: Setting up / start-up / entrepreneurship, Loan, Career information, Banking and money

Target beneficiaries: Individual, Business Entity

Tags: Self-employment, Scheduled Caste, Scheduled Tribe, BPL, Loan, Subsidy

Details

The "Self-Employment Scheme for Scheduled Castes and Tribes" scheme by the Social Welfare Department, Government of Uttarakhand. It aims to promote self-employment and sustainable livelihood among scheduled caste/ scheduled tribe families living below the poverty line. Under this scheme, provides loans through various banks to scheduled caste families living below the poverty line for projects up to ₹20,000 to ₹7,00,000/- in agriculture, services, business, and transport. The scheme offers a government subsidy of 50% of the project cost or a maximum of ₹10,000/-.

Illustrative Ventures:

Agricultural Equipment, Automobile Workshops, Band Parties, Orchestras, Beauty Parlors, Bicycle Repair, Biogas Plants, Barber Shops, Bookbinding, Brick Making, Bullock Carts, Cable Tv, Candle Making, Greeting Card Making, Carpet Industry, Cloth Business, Copper Industry, Departmental Stores, Dhabas and Restaurants, Driving Schools, Fruit and Flower Production, Flour and Rice Mills, Goat Rearing, Bakeries, General Stores (Pansari Ki Dukan), Hosiery, Bamboo Furniture Making, Wooden Furniture Making, Leather Goods Manufacturing, Shoe Making, Cement Block Making, Beekeeping, Nursing Homes, Poultry Farming, Printing Presses, Pottery Work, Sweet Shops, Tailoring Shops, Tire Servicing, Lamination, PCO/STD Booths, Tent Houses, Auto-taxis, Marble Polishing, Sale and Repair of Electrical Goods, Fast Food Shops, Etc.

Benefits

  • Financial Assistance:
  • Loan Amount: Project loans from ₹20,000/- to ₹7,00,000/- through nationalized banks.- Subsidy: 50% of the project cost or up to ₹10,000/- as government subsidy.- Margin Money: 25% of project cost provided at 4% annual interest

Financial Assistance:

  • Loan Amount: Project loans from ₹20,000/- to ₹7,00,000/- through nationalized banks.- Subsidy: 50% of the project cost or up to ₹10,000/- as government subsidy.- Margin Money: 25% of project cost provided at 4% annual interest.

Eligibility

  • The applicant must belong to a Scheduled Castes and Tribes community.
  • The applicant must be living below the poverty line.
  • The applicant annual income must not exceed ₹15,975/- in rural areas and ₹21,206/- in urban areas.
  • The applicant must not be a defaulter of any bank or financial institution.
  • The applicant must not have availed any subsidy from any government scheme earlier.
  • The applicant must possess a commercial driving license.

Application Process

Offline

Application Process:

Step 1: The interested applicant downloads the application form from the official website.
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 Village Development Officer/Assistant Social Welfare Officer/Block Development Officer.
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> Selection Process:

Rural Areas: Beneficiaries are selected through open meetings in Gram Sabha.
Urban Areas: Selection is done through interviews.
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Clarifications

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

Who can apply for this scheme?
Only Scheduled Caste individuals living below the poverty line in Uttarakhand.
Is there any subsidy provided?
Yes, up to 50% of the project cost or a maximum of ₹10,000.
What is margin money?
25% of the project cost provided at 4% interest rate by the Corporation.
Which sectors are eligible under this scheme?
Agriculture, service, business, transport sectors are covered. <br> <br>
Is a business plan required?
Yes, a project proposal must be submitted.
What is the application fee?
There is no application fee.
How is the applicant selected?
Beneficiaries are selected through open meetings of Gram Sabhas in rural areas and through interviews in urban areas.
What happens if the applicant defaults on the loan?
The applicant not eligible to apply under this scheme.
Can I apply online?
No, the process is offline for the application.
What is the interest rate on the loan?
4% annually on the margin money.

References

Apply

Apply now

Opens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.

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