Many young people want to start their own business, like a shop, a small factory, a repair centre or a service business, but they do not have money and banks ask for a guarantee. Mukhyamantri Yuva Udyami Yojana helps such youth with interest-free and collateral-free loans. In Uttar Pradesh, the scheme is officially called the Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA) and gives loans of up to ₹5 lakh without interest, plus a 10% margin money subsidy.
In this guide, you will learn in simple words Mukhyamantri Yuva Udyami Yojana kya hai, who can apply, how to do online apply in UP, what kind of projects you can start, and how similar schemes work in Bihar, Rajasthan, Madhya Pradesh and Uttarakhand (UK).
Written by: Prabhash, content creator and web developer, yojanabot.com Last updated: 6 October 2026 Fact-checked with: the UP MSME 1-Connect scheme page, Bank of Baroda scheme details for CM-YUVA, statements of the UP Chief Minister, and state government scheme pages
Quick Summary: Mukhyamantri Yuva Udyami Yojana UP (CM-YUVA)
| Point | Details |
|---|---|
| Official name | Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA) |
| State | Uttar Pradesh |
| Announced | UP Budget, February 2024 |
| Portal launched | 24 January 2025 |
| Run by | Department of MSME and Export Promotion, Government of UP |
| Loan (first phase) | Project cost up to ₹5 lakh |
| Interest | Interest-free loan |
| Guarantee | Collateral-free (no guarantee needed) |
| Margin money subsidy | 10% of project cost |
| Second phase | Bigger loan (up to twice the first loan, maximum ₹7.5 lakh) after repaying the first |
| Age | 21 to 40 years |
| Education | At least Class 8 pass (Intermediate preferred) |
| Apply | Online on the UP MSME portal (msme.up.gov.in) |
| Helpline | 155343 |
| Official portal | Click Here |
Mukhyamantri Yuva Udyami Yojana Kya Hai?
Mukhyamantri Yuva Udyami Yojana is a state government scheme to help young people start their own business and become job creators instead of job seekers. In UP, the government aims to support 1 lakh youth every year through CM-YUVA.
Under this scheme:
- The bank gives you a loan for your business without any guarantee.
- The government pays the interest, so the loan is interest-free for you.
- The government also gives a 10% margin money subsidy on your project cost.
- You also get training, guidance and help with your project report.
CM-YUVA Progress in UP
| Point | Details |
|---|---|
| Registrations within about two months of launch | More than 3 lakh youth |
| Loans sanctioned by early 2025 | More than 32,000 youth |
| Applications sent to banks after screening | More than 1.27 lakh |
These figures were shared by the UP Chief Minister in March 2025, when registrations crossed three times the first target.
Benefits of Mukhyamantri Yuva Udyami Yojana UP
| Benefit | Details |
|---|---|
| Interest-free loan | You do not pay interest on the loan (the state government pays it) |
| No guarantee | Collateral-free; no property papers or guarantor needed |
| Margin money subsidy | 10% of the project cost (project up to ₹5 lakh) |
| Second loan | After repaying, you can get a bigger loan (up to twice the first, maximum ₹7.5 lakh) |
| Training | Training and mentoring for new entrepreneurs |
| Project report help | Help to prepare your business plan |
| Sectors | Manufacturing, service and trade (business) |
Your Own Contribution (Margin Money You Pay)
You have to put in a small part of the project cost from your side. The rest is given as a loan.
| Category | Your contribution (of project cost) |
|---|---|
| General | 15% |
| OBC | 12.5% |
| SC / ST / Divyang (disabled) | 10% |
| Bundelkhand, Purvanchal and Aspirational districts | 10% for all categories |
Simple Example: How a ₹5 Lakh Project Works
| Item | General category (example) | SC / ST category (example) |
|---|---|---|
| Total project cost | ₹5,00,000 | ₹5,00,000 |
| Your own contribution | ₹75,000 (15%) | ₹50,000 (10%) |
| Interest-free bank loan | ₹4,25,000 | ₹4,50,000 |
| Margin money subsidy from government | ₹50,000 (10%) | ₹50,000 (10%) |
What does this chart show? The amount you need to put in from your own pocket is smaller for OBC and even smaller for SC, ST and Divyang applicants. In some backward districts, it is only 10% for everyone.
The subsidy is usually given as a back-ended subsidy, which means it is adjusted in your loan account after you run your business properly for the set time. The exact rules are decided by the scheme guidelines and your bank.
Mukhyamantri Yuva Udyami Yojana UP Eligibility
Eligibility Checklist
- You must be a permanent resident of Uttar Pradesh.
- Your age must be between 21 and 40 years.
- You must be at least Class 8 pass (Intermediate or equivalent is preferred).
- You should have a training certificate, diploma or degree from a government-recognised scheme or institute (for example, under skill development, ODOP or Vishwakarma schemes).
- You should not have taken a subsidy under any other central or state self-employment scheme before (PM SVANidhi beneficiaries can apply).
- You should not be a bank loan defaulter.
Priority Groups
Unemployed youth, women, SC, ST, OBC, minorities and persons with disabilities are given special focus.
Quick Eligibility Check
Documents Required
| Document | Why it is needed |
|---|---|
| Aadhaar card | Identity proof |
| PAN card | Needed for the bank loan |
| Domicile (residence) certificate of UP | Proof that you live in UP |
| Educational certificates (Class 8 or higher) | Proof of education |
| Training / skill certificate or diploma | Proof of training |
| Caste certificate (if SC / ST / OBC) | For lower own contribution |
| Disability certificate (if Divyang) | For lower own contribution |
| Bank passbook | For loan and subsidy |
| Passport-size photo and signature | For the form |
| Project report / business plan | To show what business you will start |
Mukhyamantri Yuva Udyami Yojana Online Apply (UP 2026)
Step-by-Step Online Application
- Open the UP MSME portal. To open it directly, Click Here.
- Find the Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA) scheme and click on apply / registration.
- Register with your mobile number and verify the OTP.
- Log in and fill in your personal details, education, training and category.
- Fill in your business details: type of business (manufacturing, service or trade), project cost and location.
- Choose your preferred bank and branch.
- Upload all documents.
- Check all details and submit. Save your application number.
What Happens After You Apply
- Your application is checked by the District Industries Centre (DIC) / district-level officers.
- After screening, your form is sent to the bank.
- The bank checks your project and documents.
- The bank sanctions the loan and releases the money.
- You start your business and repay on time.
- After repaying the first loan, you can apply for the second, bigger loan.
CM-YUVA Process at a Glance
Mukhyamantri Yuva Udyami Yojana Project List (Examples)
The scheme supports small businesses in manufacturing, service and trade. The table below gives examples of the kinds of projects young people often plan. The final decision depends on the official list of allowed and not-allowed activities and on your bank.
| Sector | Example projects |
|---|---|
| Manufacturing | Pickle and papad making, bakery, spices grinding, furniture making, candle and agarbatti making, readymade garments, paper bags, cement bricks |
| Service | Mobile repair shop, beauty parlour, computer and printing centre, tent house, tailoring centre, motor repair workshop, photo studio |
| Trade (business) | Kirana / general store, electrical goods shop, stationery shop, hardware shop, cloth shop |
| ODOP-linked | Products under your district’s “One District One Product” (for example, handicrafts or food products of your district) |
Tip: Ask the District Industries Centre (DIC) for the latest negative list (activities that are not allowed) before you choose your project. A good project report improves your chance of quick loan approval.
Mukhyamantri Yuva Udyami Yojana in Other States
Different states run similar schemes under different names. Here is a simple comparison.
| State | Scheme name | Main benefit (as per state details) | Where to apply |
|---|---|---|---|
| Uttar Pradesh | Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA) | Interest-free, collateral-free loan for projects up to ₹5 lakh; 10% margin money subsidy | msme.up.gov.in |
| Bihar | Mukhyamantri Udyami Yojana | Up to ₹10 lakh support, part grant and part easy loan, for selected applicants | udyami.bihar.gov.in |
| Rajasthan | Vishwakarma Yuva Udyami Protsahan Yojana | Loans up to ₹2 crore with interest subsidy and margin money help | SSO Rajasthan portal (sso.rajasthan.gov.in) |
| Madhya Pradesh | Mukhyamantri Udyam Kranti Yojana | Loans from ₹1 lakh to ₹50 lakh (manufacturing) and ₹25 lakh (service / retail), 3% interest subsidy for 7 years | samast.mponline.gov.in |
| Uttarakhand (UK) | Mukhyamantri Swarozgar Yojana | Loans with margin money subsidy for self-employment | District Industries Centre / state MSY portal |
Bihar Mukhyamantri Udyami Yojana Online Apply
- Bihar runs the Mukhyamantri Udyami Yojana with categories for SC/ST, Extremely Backward Classes, women, youth and minorities.
- Selected applicants can get up to ₹10 lakh support, made up of a grant part and an easy loan part.
- Age limit in recent rounds: 18 to 50 years.
- Applications are invited only during a fixed window each year, and selection is done from eligible applicants.
- Apply online on the Bihar Udyami portal. To open it, Click Here.
- Note: Check the portal for the 2026 application window; it is not open all year.
Rajasthan Online Apply
- Rajasthan’s youth entrepreneur scheme is the Vishwakarma Yuva Udyami Protsahan Yojana.
- It offers loans up to ₹2 crore, interest subsidy and margin money support for new and existing micro and small units.
- Apply through the Rajasthan SSO portal. To open it, Click Here.
Madhya Pradesh
- MP runs the Mukhyamantri Udyam Kranti Yojana for youth aged 18 to 40 years.
- It gives 3% interest subsidy for 7 years on loans of ₹1 lakh to ₹50 lakh (manufacturing) or ₹25 lakh (service / retail).
- Apply on the MP Samast portal using your Samagra ID. To open it, Click Here.
Uttarakhand (UK)
- In Uttarakhand, the similar scheme is the Mukhyamantri Swarozgar Yojana.
- It gives loans with a margin money subsidy for self-employment.
- Contact your District Industries Centre (DIC) in Uttarakhand to apply and to know the current limits.
Common Mistakes and How to Avoid Them
| Mistake | What happens | How to avoid it |
|---|---|---|
| No training certificate | Application may be rejected | Complete a short government skill course first |
| Weak project report | Bank may reject the loan | Get help from DIC or the portal’s project report support |
| Choosing a not-allowed activity | Rejected | Check the negative list with DIC |
| Wrong bank details or old loan default | Loan not sanctioned | Clear old dues and use a clean bank account |
| Applying in two schemes at once | Duplicate benefit not allowed | Apply in only one self-employment scheme |
| Paying agents | Fraud risk | The application is free; apply on the official portal |
Helpline and Contact Details
| Purpose | Contact |
|---|---|
| UP CM-YUVA helpline | 155343 (Monday to Saturday, 10 am to 6 pm) |
| UP CM-YUVA WhatsApp | 8957540649 |
| UP MSME portal | msme.up.gov.in |
| Local help (all states) | District Industries Centre (DIC) |
Frequently Asked Questions (FAQ)
Mukhyamantri Yuva Udyami Yojana kya hai?
It is a state government scheme to help young people start a business. In UP, it is called CM-YUVA and gives an interest-free, collateral-free loan for projects of up to ₹5 lakh, with a 10% margin money subsidy.
How can I do Mukhyamantri Yuva Udyami Yojana online apply in UP?
Go to msme.up.gov.in, choose the CM-YUVA scheme, register with your mobile number and OTP, fill your personal and business details, upload documents and submit. Then your application is screened and sent to the bank.
What is the age limit for Mukhyamantri Yuva Udyami Yojana UP?
The age limit is 21 to 40 years.
What is the education qualification for CM-YUVA?
You should be at least Class 8 pass, and preferably Intermediate or equivalent. You should also have a training certificate, diploma or degree from a government-recognised scheme or institute.
How much loan can I get under Mukhyamantri Yuva Udyami Yojana UP?
In the first phase, the project cost can be up to ₹5 lakh. After repaying, you can get a second loan of up to twice the first loan (maximum ₹7.5 lakh).
Do I have to pay interest on the CM-YUVA loan?
No. The loan is interest-free for the beneficiary because the state government pays the interest as per the scheme rules.
What is the margin money subsidy?
The government gives a subsidy of 10% of the project cost (for a project of up to ₹5 lakh) as margin money support.
What is my own contribution?
General category applicants pay 15%, OBC applicants pay 12.5%, and SC, ST and Divyang applicants pay 10% of the project cost. In Bundelkhand, Purvanchal and Aspirational districts, it is 10% for all.
Is there a project list for Mukhyamantri Yuva Udyami Yojana?
Yes. Projects can be in manufacturing, service or trade. Ask your District Industries Centre for the current list of allowed and not-allowed activities, and choose a project with a good business plan.
How can I apply for Mukhyamantri Udyami Yojana in Bihar?
Apply on udyami.bihar.gov.in when the application window is open. Bihar gives up to ₹10 lakh support (part grant and part easy loan) to selected applicants in different categories.
Is there a Mukhyamantri Yuva Udyami Yojana in Rajasthan?
Rajasthan’s similar scheme is the Vishwakarma Yuva Udyami Protsahan Yojana, with loans up to ₹2 crore and interest subsidy. You can apply through the Rajasthan SSO portal.
Is there a similar scheme in Madhya Pradesh?
Yes. MP runs the Mukhyamantri Udyam Kranti Yojana for youth aged 18 to 40, with a 3% interest subsidy for 7 years. Apply on samast.mponline.gov.in.
What is the CM-YUVA helpline number?
The UP CM-YUVA helpline number is 155343. You can also send a WhatsApp message to 8957540649.
Is there any fee to apply?
No. Applying is free. Do not pay any agent to get your loan approved.
Sources We Used
- UP MSME 1-Connect: CM-YUVA scheme page (loan, subsidy, eligibility, helpline)
- Bank of Baroda: Mukhyamantri Yuva Udyami Vikas Yojana scheme details (project cost, own contribution, phases)
- Careers360 news: UP Chief Minister’s statement on CM-YUVA registrations and loans (March 2025)
- Patna Press: Bihar Mukhyamantri Udyami Yojana application details
- Vikaspedia: Rajasthan Vishwakarma Yuva Udyami Protsahan Yojana
- Schemes in India: MP Mukhyamantri Udyam Kranti Yojana details
Important Links
| What You Need | Link |
|---|---|
| Application Form (UP CM-YUVA on UP MSME Portal) | Click Here |
| Official Site (UP MSME 1-Connect, CM-YUVA page) | Click Here |
| Bihar Mukhyamantri Udyami Yojana Portal | Click Here |
| Rajasthan SSO Portal | Click Here |
| MP Samast Portal (Udyam Kranti Yojana) | Click Here |
| Pradhan Mantri Mudra Yojana | Click Here |
| Other Yojana Info | Click Here |
| Home Page | Click Here |
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