मुख्यमंत्री उद्यमी योजना – युवाओं को आत्मनिर्भर बनाने की दिशा में एक निर्णायक कदम

नीचे मुख्यमंत्री महिला उद्यमी योजना (Mukhyamantri Mahila Udyami Yojana) की नवीनतम और विस्तृत जानकारी दी गई है:

🎯 योजना का उद्देश्य और लाभ

लक्ष्य: बिहार की महिलाओं (और ट्रांसजेंडर) में स्वरोजगार व उद्यमिता को बढ़ावा देना।
आर्थिक सहायता: कुल ₹10 लाख तक की सहायता—जिसमें 50% (₹5 लाख) गैर‑वापसी योग्य अनुदान और 50% (₹5 लाख) ब्याज‑मुक्त ऋण के रूप में दी जाती है।
ऋण शर्तें:
- ब्याज‑मुक्त (विशेष 1% ब्याज कुछ उप‑योजनाओं में लागू)।
- ₹5 लाख ऋण को 7 साल (84 मासिक किस्त) में चुकाना होगा, शुरूआत पहली किश्त के एक साल बाद।
अन्य लाभ: ₹25,000 तक का प्रशिक्षण अनुदान भी दिया जाता है, जिससे उद्यमी कौशल में सुधार हो सके।

✅ पात्रता मानदंड

स्थायी निवासी: बिहार का निवासी होना अनिवार्य।

📝 आवश्यक दस्तावेज

आधार कार्ड, पैन कार्ड, निवास प्रमाण पत्र, शिक्षा प्रमाण पत्र (10वीं/12वीं /डिप्लोमा आदि)
जाति/समुदाय प्रमाण पत्र (यदि लागू हो), पासपोर्ट साइज फोटो, बैंक पासबुक या रद्द चेक, डिजिटल हस्ताक्षर (यदि ऑनलाइन आवेदन)।

🛠️ आवेदन प्रक्रिया (ऑनलाइन)

पंजीकरण करें: udyami.bihar.gov.in पर जाएँ और रजिस्ट्रेशन करें।

💰 धनराशि वितरण:

तय प्रक्रिया और चयन के बाद ₹25,000 प्रशिक्षण अनुदान तथा ऋण/अनुदान की पहली किस्त RTGS के माध्यम से आपके खाते में ट्रांसफर की जाती है।

📆 स्थिति और फंड आवंटन

योजना शुरू: 18 जून 2021 को मुख्यमंत्री नीतीश कुमार द्वारा लॉन्च।
2023–24 बजट में ₹250 करोड़ की निधि आवंटित।
कुल 400 करोड़ का बजट लगातार उपलब्ध।

🌟 उपयोग: कौन-कौन सा उद्यम शुरू कर सकते हैं?

बेकरी, मसाला उत्पादन, पशुचार, आचार, मुरब्बा, आभूषण निर्माण, तेल मिल, आदि ।

🔍 कैसे आगे बढ़ें?

तत्काल कार्य:
1. udyami.bihar.gov.in पर पंजीकरण करें।
2. आवेदन की शुरूआती तारीखों का इंतज़ार करें (अप्रत्याशित, सरकार बिंदु सूचनाएँ देगी)।
3. दस्तावेज तैयार करें (शैक्षणिक, पहचान, बैंक, फोटो आदि)।
4. आवेदन भरें और जमा करें।
चयन और सहायता: चयनित होने पर प्रशिक्षण सत्र में भाग लें, और ब्याज-मुक्त ऋण + अनुदान को समझदारी से रूप में निवेश करें।

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