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
- Open https://diupmsme.upsdc.gov.in
- Click “Register” → provide Aadhaar + mobile + email
- Complete profile
Step 2: Submit application
- Login → “Apply for Loan”
- Select MYUVA Manufacturing or MYUVA Service
- Fill detailed project plan
- Upload documents
- Select preferred bank (nearest to your business location)
- 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 |
FAQ — Common Questions
Can I combine MYUVA with PM Mudra? Generally no — they overlap. Choose based on loan size (MYUVA for larger, Mudra for smaller). Some DICs allow combining where projects justify.
Is collateral needed for ₹25 lakh loan? Loans up to ₹10 lakh are collateral-free under CGTMSE. Loans above may require partial collateral, though CGTMSE can extend to higher amounts with govt guarantee.
What if my business fails — is the subsidy reclaimed? Margin money subsidy is not reclaimed on legitimate business failure (provided no fraud). However, the loan amount must be repaid per terms.
Can trading businesses apply? No — MYUVA covers manufacturing + service. Trading/retail businesses are excluded.
How long does application processing take? 60-90 days typically. Expedited cases with complete documentation can close in 45 days.
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Last verified: 20 April 2026. Official source: https://diupmsme.upsdc.gov.in