मुख्यमंत्री युवा उद्यमी विकास अभियान (सी.एम.-युवा)

लाभ

लाभ का प्रकार

Bank composite loan (term loan + working capital) with (a) 100% interest subvention, (b) back-ended margin-money subsidy, (c) CGTMSE guarantee-fee reimbursement, (d) digital-transaction incentive; Phase II with 50% interest subvention.

राशि

Phase I: composite bank loan for projects up to ₹5.00 lakh (bank loan ≈ ₹4.25-4.50 lakh after 10-15% own contribution), 100% interest subvention for 4 years; back-ended margin-money subsidy 10% of project cost (max ₹50,000); digital-transaction grant ₹1/txn, max ₹2,000/yr. Phase II: project cost up to ₹10 lakh (expansion to ₹20 lakh permitted), 50% interest subvention for 3 years on loan up to 2x Phase-I loan or ₹7.50 lakh whichever lower; no margin money in Phase II.

सब्सिडी का हिस्सा

100% interest subvention (Phase I, 4 yrs); 10% margin money (Phase I only); 50% interest subvention (Phase II, 3 yrs); CGTMSE fee 100% by State (4 yrs Phase I / 3 yrs Phase II).

अधिकतम सीमा

Phase I subsidy ceiling on ₹5,00,000 project; margin money cap ₹50,000; Phase II subvention on max ₹7,50,000 loan; digital incentive cap ₹2,000/yr.

अवधि

Interest subvention window: 4 years from financing date (Phase I), 3 years (Phase II); 6-month moratorium; subvention paid quarterly; penal interest excluded; margin money adjusted after unit runs 4 years and clawed back if unit closes within 4 years. GO does not fix loan repayment term — 4-year EMI is bank practice.

जमानत

Collateral-free; mandatory CGTMSE coverage with guarantee fee paid by the State Government (4 years Phase I, 3 years Phase II); primary security = assets created from the loan; penal interest on delayed instalments not covered by subsidy.

सत्यापन टिप्पणी

All benefit numbers in the fact sheet match the 04.10.2024 GO and official brochure; only refinement is that the '4-year loan tenure' is the subvention/moratorium window in the GO, not a prescribed repayment term.

पात्रता

कौन आवेदन कर सकता है

• New micro units in the manufacturing ('udyog' = manufacturing sector as defined under MSMED Act 2006) sector
• New micro units in the service sector (services other than trading; 'service' excludes buying goods and reselling them as-is)
• Individual young entrepreneurs (scheme is per beneficiary; portals also list franchise and 'business on wheels' models)

आयु

21 to 40 years

लिंग और श्रेणी

Open to all; no gender restriction. Category-linked own contribution: General 15%, OBC 12.5%, SC/ST/Divyangjan 10%; 10% for all categories in Bundelkhand, Purvanchal and GoI aspirational districts (Chitrakoot, Chandauli, Sonbhadra, Fatehpur, Balrampur, Siddharthnagar, Shravasti, Bahraich). Kannauj is not in this concession list. Portals state preference for women, SC/ST, OBC, minorities, PwD and ODOP/Vishwakarma-trained youth.

टर्नओवर या निवेश सीमा

Phase I: subsidy/interest support only on projects up to ₹5.00 lakh (project cost may be up to ₹10 lakh but the portion above ₹5 lakh must be self-financed with no subsidy). Land/building purchase excluded from project cost; minimum 10% of project cost must be term loan (composite loan). Phase II (expansion): project cost up to ₹10 lakh, extendable to ₹20 lakh, with interest subvention only on loan up to ₹7.50 lakh.

क्या इत्र व्यापार सूची में है

Eligible. CM-YUVA has no positive trade list; every manufacturing unit (MSMED Act 2006 definition) and non-trading service qualifies unless on the 5-item Negative List (tobacco/gutkha/pan masala; alcohol/aerated drinks; firecrackers; <40-micron plastic bags; other banned items). Attar/perfume is not mentioned or excluded; ODOP-trained candidates (Kannauj ODOP = attar) are an expressly eligible category.

अन्य शर्तें

Must be a UP resident; minimum Class 8 pass (Intermediate/equivalent preferred); must hold a skill certificate/diploma/degree from a recognised institution or be trained under a government scheme (Vishwakarma Shram Samman Yojana, ODOP Training & Toolkit, SC/ST/OBC training, UP Skill Development Mission etc.); must not have previously received interest or capital subsidy under any other central/state scheme except PM SVANidhi. Banks apply credit norms (Canara/Utkarsh: CIBIL >=670 or -1, no NPA/write-off in 12 months); Udyam registration required at bank stage.

आवेदन कैसे करें

ऑनलाइन पोर्टल

https://msme.up.gov.in (Applicant Login -> 'नवीन उपयोगकर्ता पंजीकरण'); supporting portals: https://cmyuva.org.in and https://msme.cmyuva.org.in (Mission Office), project-report tool https://msmeup.iid.org.in; helpline 1800-296-2233 / 0522-6905555 / 9129987111

कार्यालय जहाँ जाना है

Online-only application; scrutiny by DIPEDC (Upayukt Udyog), Kannauj, Makrand Nagar Industrial Area (ph. 7081360284, gmdicknj8@gmail.com), then forwarded online to bank for sanction; DPMU chaired by District Magistrate reviews monthly and in BLBC meetings

दस्तावेज़

• Skill/training certificate (VSSY, ODOP, UPSDM, ITI, diploma/degree or recognised institution)
• Bankable project report / DPR (min 10% term-loan component; no land/building)
• Age proof and educational certificate (Class 8 minimum)
• Residence certificate / proof of UP domicile
• PAN card, Aadhaar-linked identity
• Bank passbook first page
• Passport photo and signature (photo <=20 KB; attachments <=300 KB JPEG/PDF)
• Notarised affidavit/self-declaration that no prior interest/capital subsidy taken
• Vendor quotations for machinery
• GST and Udyam registration (optional at application, Udyam mandatory at bank stage)

सावधानी

1) Only youth 21-40 with a recognised skill certificate qualify; traditional Kannauj attar artisans without formal certificates must first obtain ODOP/VSSY/UPSDM training. 2) Pure trading (buying and reselling attar as-is) is excluded from 'service sector'; attar retail without value addition does not qualify. 3) Subsidy/interest support stops at ₹5 lakh project cost; costs above that up to ₹10 lakh must be self-funded with no grant — deg-bhapka distillation units often exceed ₹5 lakh. 4) Land and building purchase not admissible in project cost. 5) Margin-money subsidy is back-ended and is recovered if the unit is not set up or closes within 4 years. 6) Beneficiaries of any earlier interest/capital subsidy (e.g., ODOP Margin Money, PMEGP, MYSY) are ineligible, except PM SVANidhi. 7) Penal interest on late EMIs is not covered by the subvention; a Phase I default disqualifies Phase II. 8) Negative list: tobacco/gutkha/pan masala, alcohol and carbonated/aerated drinks, firecrackers, thin plastic carry bags/banned plastics, other prohibited goods — alcohol-based perfume sprays are not an excluded 'alcohol' product per the GO wording, but confirm with DIC. 9) Kannauj is not an aspirati

कन्नौज में एजेंसी

District Industries Promotion and Entrepreneurship Development Centre (DIPEDC / 'Upayukt Udyog'), Makrand Nagar Industrial Area, Kannauj (ph. 7081360284, gmdicknj8@gmail.com per Kannauj ODOP contact sheet; Deputy Commissioner Industries is Member-Secretary of the District Programme Management Unit chaired by the District Magistrate). DPMU members include the CDO, District Khadi & Village Industries Officer (UPKVIB), Lead District Manager (banks), ITI/Polytechnic principals, Skill Development Mission district coordinator. Loans are sanctioned/disbursed by nationalised, scheduled, RRB and RBI-no

क़ानूनी आधार

आदेश या अधिसूचना

शासनादेश संख्या-49/2024/1650/477/18-2-2024, सूक्ष्म, लघु एवं मध्यम उद्यम अनुभाग-2, उत्तर प्रदेश शासन (signed Pranjal Yadav, Secretary), subject: 'मुख्यमंत्री युवा उद्यमी विकास अभियान (Mukhyamantri YUVA) के प्रख्यापन के संबंध में'. Cabinet approval reported 2 Oct 2024. Canara Bank's product page additionally cites a GoUP notification dated 16.12.2024 (text not located on msme.up.gov.in).

तारीख

2024-10-04

लिंक

https://msme.up.gov.in/doc/yuva_04102024.pdf

दिशानिर्देशों की वर्तमान स्थिति

In force, not superseded. Official GO list (msme.up.gov.in, read 2026-09-05) carries only the 04.10.2024 GO; a targeted search for 2025/2026 amendments found none, and bank/portal pages still quote the 2024 parameters. The 16.12.2024 GoUP notification referenced by Canara Bank could not be located; treat as possible operational guideline, not a parameter change.

स्रोत

• शासनादेश संख्या-49/2024/1650/477/18-2-2024 – मुख्यमंत्री युवा उद्यमी विकास अभियान (Mukhyamantri YUVA) के प्रख्यापन के संबंध में · सूक्ष्म, लघु एवं मध्यम उद्यम अनुभाग-2, उत्तर प्रदेश शासन · 2024-10-04T2
• GO 49/2024 – Negative list and implementation clause (pp. 3-4) · Uttar Pradesh Shasan, MSME Section-2 · 2024-10-04T2
• Government Orders list – Directorate of Industries & Enterprise Promotion, UP · msme.up.gov.in · 2026-09-05 (accessed)T2
• सी.एम.-युवा विवरणिका (CM-YUVA Brochure) · MSME & Export Promotion Dept, UP / CM-YUVA Mission Office · 2024/2025 (undated)T2