Mukhyamantri Yuva Swarozgar Yojana UP 2026: ₹25 Lakh Loan Guide

मुख्यमंत्री युवा स्वरोजगार योजना UP 2026: पूरी गाइड

Quick facts: ₹25 lakh (manufacturing) / ₹10 lakh (service) loan for UP youth aged 18-40 · 25% margin money subsidy (up to ₹6.25 lakh) · collateral-free under CGTMSE · apply at diupmsme.upsdc.gov.in.

Mukhyamantri Yuva Swarozgar Yojana (MYUVA) is Uttar Pradesh’s flagship youth-entrepreneurship scheme — providing subsidized bank loans to young UP residents wanting to set up their own micro / small enterprise. Launched in 2018 and scaled up under subsequent UP governments, the scheme targets ~25,000 new entrepreneurs per year.

लाभ — Benefits

Sector	Max loan	Margin money subsidy (government-paid)
Manufacturing	₹25 lakh	25% (up to ₹6.25 lakh)
Service sector	₹10 lakh	25% (up to ₹2.5 lakh)
Trading / retail	Not eligible	—

Additional benefits: – Interest on the promoter margin paid by UP government – Collateral-free up to ₹10 lakh (under CGTMSE) – Handholding support for business plan development

पात्रता — Who Qualifies

• UP domicile with at least 3 years of residency
• Age 18-40 years
• Minimum Class 10 pass (for service sector) or Class 8 pass (for manufacturing)
• No default on any previous bank loan
• Not already a beneficiary of another concessional state scheme (PMKVY/Stand-up India/Mudra at higher tier)

Priority

• SC / ST / OBC / women applicants
• Rural applicants
• Skill-certified applicants (PMKVY holders)

Eligible businesses

• Manufacturing units — textile, handicraft, food processing, leather, furniture, auto parts, agro-processing
• Service sector — IT/tech services, hotel/tourism, transport, healthcare, salons, educational services
• NOT eligible: wholesale/retail trading, speculative activities, cold storages run as standalone, share trading

आवश्यक दस्तावेज़ — Documents Required

• Aadhaar + PAN
• UP domicile certificate
• Educational qualifications
• Detailed business plan (1-3 years financial projections)
• Project cost estimate with quotations
• Bank statement (personal, last 6 months)
• Caste certificate (for reserved quota)
• ITR (if filed; not mandatory)
• Passport photographs

आवेदन प्रक्रिया — Application Process

Step 1: Register on portal

1. Open https://diupmsme.upsdc.gov.in
2. Click “Register” → provide Aadhaar + mobile + email
3. Complete profile

Step 2: Submit application

1. Login → “Apply for Loan”
2. Select MYUVA Manufacturing or MYUVA Service
3. Fill detailed project plan
4. Upload documents
5. Select preferred bank (nearest to your business location)
6. Submit → receive application reference

Step 3: Verification

• District Industries Centre (DIC) reviews business plan
• Bank does credit appraisal
• DIC Committee approves subsidy

Step 4: Loan sanction + disbursement

• Bank sanctions loan based on viability
• Margin money subsidy credited to bank (reducing your effective loan)
• Disbursement in installments tied to project milestones

Typical timeline

• Application to sanction: 60-90 days
• Disbursement: phased over 6-12 months

हेल्पलाइन — Helpline

Service	Number
UP MSME Dept	0522-2209113
DIC (District Industries Centre)	district-specific
Portal	https://diupmsme.upsdc.gov.in

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Related guides on LabhKosh

• PM Mudra Loan Apply
• Stand-up India Loan
• PM Vishwakarma Yojana
• Udyam Registration MSME

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Last verified: 20 April 2026. Official source: https://diupmsme.upsdc.gov.in

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