by The Mukhyamantri Yuva Udyami Vikas Abhiyan (CM Yuva Udyami Vikas Yojana UP 2025) is a flagship initiative by the Uttar Pradesh government aimed at fostering entrepreneurship among the state’s youth. Launched in 2018, the scheme provides interest-free, collateral-free loans to young entrepreneurs to start their ventures, thereby promoting self-reliance and contributing to the state’s economic growth.
Table of Contents of CM Yuva Udyami Vikas Yojana UP 2025
Background Context
The CM Yuva Udyami Vikas Yojana UP is a flagship scheme by the Uttar Pradesh Government aimed at creating a self-reliant and entrepreneur-driven youth base. Launched in alignment with the vision to boost the state economy and generate employment, this initiative enables youth to start their own ventures with zero-interest, collateral-free loans.
As of May 2025, over 53,000 applications have been approved under the scheme, covering diverse sectors from digital marketing to solar panel businesses, providing a major economic boost in semi-urban and rural areas.
Key Features of CM Yuva Udyami Vikas Yojana UP 2025
Loan Structure
| Phase | Loan Amount | Interest Subsidy | Margin Money Subsidy | Collateral Requirement |
|---|---|---|---|---|
| Phase 1 | Up to ₹5 lakh | 100% for 4 years | 10% (SC/ST), 12.5% (OBC), 15% (General) | No |
| Phase 2 | ₹10 to ₹20 lakh | 50% for 3 years | Not Applicable | No |
Eligibility Criteria
- Age Limit: 21–40 years
- Education: Minimum Class 8 pass
- State Domicile: Must be a permanent resident of Uttar Pradesh
- Training: Completion of skill training under UP government schemes like:
- Vishwakarma Shram Samman Yojana
- One District One Product (ODOP)
- UP Kaushal Vikas Mission
- Exclusion: Those already availing other self-employment schemes (except PM SVANidhi)
Application Process
- Registration: Visit cmyuva.iid.org.in or msme.up.gov.in
- Upload Documents: Aadhaar, education certificate, training certificate, domicile, bank details, project report
- Verification: Officials validate application
- Loan Sanction: After approval, the loan is disbursed directly into the applicant’s account
Benefits of CM Yuva Udyami Vikas Yojana UP
- Interest-free loans reduce financial stress
- No collateral or guarantor needed
- Focused on first-time business owners
- Inclusive of marginalized communities (SC/ST/OBC)
- Encourages micro and small businesses
- Boosts local employment
- Promotes economic decentralization
- Supports digital and green initiatives like solar power businesses
8 Key Tables of cm yuva udyami vikas yojana up
1. Subsidy Rate Comparison by Category
| Category | Subsidy Rate (%) |
|---|---|
| SC/ST | 10% |
| OBC | 12.5% |
| General | 15% |
2. Loan Limit vs. Repayment Tenure
| Loan Amount | Repayment Tenure | Interest Rate |
|---|---|---|
| Up to ₹5 lakh | 4 years | 0% |
| ₹10–20 lakh | 3 years | 50% subsidized |
3. Eligibility Comparison
| Criteria | Required |
|---|---|
| Age | 21–40 years |
| Education | 8th pass minimum |
| Training | Mandatory under listed govt schemes |
| Domicile | Uttar Pradesh |
4. Approved Sectors Under Scheme
| Sector | Examples |
|---|---|
| Services | Laundry, Travel Booking |
| Manufacturing | Cakes, Packaging |
| Renewable Energy | Solar Panel Setup |
| Digital | Marketing, Freelancing |
5. Training Schemes Linked to the Yojana
| Scheme Name | Department |
|---|---|
| ODOP | MSME |
| Vishwakarma Shram Samman Yojana | Labour |
| UP Kaushal Vikas Mission | Skill Development |
6. Application Website Details
| Portal | Function |
|---|---|
| cmyuva.iid.org.in | Registration & Updates |
| msme.up.gov.in | Scheme Details |
7. Exclusion Table
| Already Availing Scheme | Eligibility |
|---|---|
| PM SVANidhi | Eligible |
| Other state/National schemes | Not eligible |
8. Sector Restrictions
| Prohibited Sectors |
|---|
| Alcohol manufacturing |
| Tobacco-based businesses |
| Firecracker production |
| Polythene below 40 microns |
Pros and Cons of CM Yuva Udyami Vikas Yojana
| Pros | Cons |
|---|---|
| Zero interest for Phase 1 loans | Only available to residents of UP |
| No collateral required | Age and training eligibility criteria |
| Promotes first-generation entrepreneurship | Can’t combine with other self-employment schemes |
| Supports both service and manufacturing industries | Limited scope beyond Phase 2 |
| Digital application process | Regional access in some rural areas still limited |
| Includes government skill training schemes | Not all sectors covered |
| Focus on women and SC/ST entrepreneurs | Project rejection rate can vary |
| Major support for rural startups | Success depends on implementation by banks/agencies |
FAQs – CM Yuva Udyami Vikas Yojana UP
Q1. What is the goal of CM Yuva Udyami Vikas Yojana UP?
The goal is to promote self-employment and entrepreneurship among youth in UP by providing financial support.
Q2. Can women apply under this scheme?
Yes, the scheme actively promotes participation from women entrepreneurs.
Q3. What happens if I fail to repay the loan?
Defaulting on the loan may attract legal proceedings and disqualification from other government schemes.
Q4. Is the loan renewable after repayment?
Currently, no provision for loan renewal exists. Beneficiaries are encouraged to become self-sufficient.
Q5. Do I need a business plan to apply?
Yes, a detailed project report must be uploaded during the application.
Final Verdict
The CM Yuva Udyami Vikas Yojana UP 2025 is a powerful step toward cultivating a startup ecosystem in Uttar Pradesh. With its unique features like zero-interest loans, no collateral, and government-subsidized training, it removes financial and institutional barriers for young, aspiring entrepreneurs.
Its impact can be seen in the thousands of ventures that have already launched under the scheme. However, to scale this success, continuous monitoring, training support, and awareness among rural youth must be ensured.
For any aspiring entrepreneur in Uttar Pradesh, this scheme offers both a starting point and a stepping stone.
Authoritative Sources
- Times of India – UP youth take up new careers with CM Yuva scheme
- CM Yuva Official Website
- UP MSME Portal
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