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Chief Minister’s Jeevan Jyoti Swaniojan Yojana

Background: The objective of the Chief Minister’s Jeevan Jyoti Swaniojan Yojana is to provide financial assistance to educated unemployed youth by providing institutional credit supported by Government subsidy to enable them to undertake productive income generation activities for self employment. The State Government entrusted the responsibility to the State Institute of Rural Development for implementation of the project in July’ 2005. The institute has since been implementing the project.

1. Basic Objective of the Project

Specially attraction to the youth: Chief Minister’s Jeevan Jyoti Swaniojan Yojana has been exclusively designed to provide self employment avenues to unemployed youth through JointLiability Groups.

Wide range of income generating activities: Another attractive provision in the yojana is that unemployed youth can select their economic activities from wide range of income generation activities.

Diversification of income generating activities: Initially thrust was on mechanised agricultural activities, livestock, poultry farming, fishery, horticulture etc. Now, youth have gone for different micro enterprises in secondary and tertiary sector including rural transport.

Target Group: Loan and government subsidy under yojana is provided to unemployed youth, young farmers, weavers, women, artisans within the age group of 18 to 37 years. they may belong to both BPL and marginally above BPL families.

Educational qualification: The applicants should have read up to Class X standard. However, educational qualification is relaxed upto Class – V for women for undertaking schemes in handloom, sericulture etc. Educational qualification is relaxed upto Class – VII for youth taking up agricultural activities with power tillers and tractor

2. Loan and subsidy pattern

Group Loan Ranges
For 4 members JLGs Loan ranges from Rs. 2.00 lakhs to Rs. 6.00 lakhs. Subsidy Rs. 1.60 lakhs or 50% of the project cost whichever is less.
For 2 members joint effort Loan ranges from Rs. 2.00 lakhs to Rs. 2.50 lakhs. Subsidy Rs. 80,000.00 or 50% of the project cost whichever is less.
For individual Loan ranges from Rs. 1.00 lakhs to Rs. 1.50 lakhs. Subsidy Rs. 40,000.00.

3. Following activities can be taken up by the youth, women, weavers, farmers, entrepreneurs etc.

Ag"ri Input Outlet Agri Marketing Agri Product Transport Agro Processing Aluminium frame making
Bamboo Taarja Industry Beauty Parlour Beekeeping Unit Beg Manufacturing Unit Bhujia, Mixture Industry
Bicycle Repairing & Selling Store Book Stall Boutique Cum Art & Craft Brick Industry Broom Making Unit
Candle Industry Cane & Bamboo Coaching Centre Computer Centre cum DTP Centre Computer Graphic Designing
Computer Repairing Centre Cutting & Tailoring Electrical goods servicing
& repairing outlet
Fertilizer Shop G.I. Fencing Unit
Gift Item Shop Grocery & Stationary Shop Handicraft Handloom Hardware Shop
Home Appliances Distributor Incenese Stick Rolling Cum Production Internet café Marketing Outlet Meat Shop
Medical Store Mobile repairing Modern Rice Mill Moter Parts Shop Paver Block making unit
Photo Studio Plumber Poultry Feed Outlet RCC Products Restaurant
Rural Transport Sheetal Pati Manufacturing Unit Stationery Shop Steel Fabrication Unit Supari Processing
Tailoring Unit Tent House Vermi Culture Video Editing Centre Water Packaging
Wooden Furniture Unit Yarn Store      

4. Selection of youth, women under Chief Minister’s Jeevan Jyoti Swaniojan Yojana

The Chief Minister’s Jeevanjyoti Swaniyojan is a demand driven project of the Government. On receipt of demand/applications, the selection of eligible youth is done by the implementing agency through the block level selection committee BDO, President of Gaon Panchayat /VCDC concerned, Bank Branch Manager Concerned or his representative and representative of SIRD, Assam. In case of semi urban/urban areas, the bank, the field Officer of SIRD, Joint Director of SIRD is finalizing the selection after field verification.

Sequence and steps being followed for selection of youth.

  • Awareness generation in the field through Extension Centres, field level facilitators and bank officials for mobilizing youth for the project.
  • Recommendation of youth from MLAs, Ministers, PRIs, Local Officials belonging to different departments, different organisations.
  • Interactions with the youth to assess their interests and aptitude.
  • Formation of groups and opening of bank account through facilitators.
  • Selection of income generating activities based on the interest, aptitude and capability etc. of youth through orientation programmes.
  • Preparation of loan proposal and sponsoring to the banks.
  • Joint verification of the groups in the field by bank officials and facilitators of SIRD.
  • Training on skill upgradation.
  • Final examination by banks of the documents submitted with the proposals. Deposit of borrowers contribution, mortgage documents, collateral security etc. for final clearance of the proposal at the bank.
  • On clearance and compliance of all above formalities by the group, sanction is accorded and government margin money is claimed by respective banks from SIRD.
  • On receiving the margin money from the SIRD, the loan is disbursed as per bank norms.
  • The selection of the youth for formation of the Joint Liability Group and finally getting loan is a systematic process which passes through different stages. The banks being major stakeholders, final decision rests with them.