Rajasthan's scheme for SC and ST entrepreneurs gives margin money of up to ₹25 lakh and an interest subsidy of up to 9% on bank loans for manufacturing, service and trading units. SABloan prepares your project file and gets the loan sanctioned through a partner bank.
The Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana was notified by the Government of Rajasthan in September 2022 to help Scheduled Caste and Scheduled Tribe entrepreneurs set up and grow their own enterprises. It gives two main benefits on a bank loan: a margin money grant of 25% of the project cost, up to ₹25 lakh, and an interest subsidy of up to 9%. It covers manufacturing, service and trading units — individuals as well as firms and companies where SC/ST persons hold at least 51%. The scheme is run by the Department of Industries & Commerce through the District Industries & Commerce Centre (DIC), and applications are made online with your Rajasthan SSO ID.
| Loan amount | Interest subsidy |
|---|---|
| Up to ₹25 lakh | 9% p.a. |
| Up to ₹5 crore | 7% p.a. |
| Up to ₹10 crore | 6% p.a. |
| Type of unit | Maximum loan | Margin money |
|---|---|---|
| Manufacturing | Up to ₹10 crore | 25% of project cost, up to ₹25 lakh — released to your account over 3 years after the loan is disbursed |
| Service | Up to ₹5 crore | |
| Trading | Up to ₹1 crore |
The State also pays the bank's credit guarantee fee and gives relief on land conversion charges. Benefits are paid by DBT to your bank account, as per scheme rules.
| Project cost | ₹20,00,000 |
| Margin money grant (25%) | ₹5,00,000 |
| Bank interest rate (assumed) | 10% p.a. |
| Interest subsidy (loan up to ₹25 lakh) | 9% p.a. |
| Effective interest cost | about 1% p.a. |
25% of your project cost as margin money — the highest margin money support among Rajasthan schemes.
On smaller loans, your effective interest can fall to around 1% a year.
Unlike most subsidy schemes, trading units are eligible, with loans up to ₹1 crore.
Manufacturing loans up to ₹10 crore and service loans up to ₹5 crore.
The State pays the credit guarantee fee on your bank loan.
Combine it with a Stand-Up India loan for your first business.
Send everything on WhatsApp — we check the file before it goes online.
We help plan the project and prepare a bankable project report.
Apply online with your Rajasthan SSO ID through the Industries Department portal, or at the DIC / e-Mitra.
The DIC examines the application and forwards it to the bank for loan sanction.
After disbursement, margin money and interest subsidy are paid by DBT as per scheme rules.
Scheduled Caste and Scheduled Tribe entrepreneurs aged 18 or above who are permanent residents of Rajasthan, not in government service and not bank defaulters. Firms, LLPs, companies and co-operatives qualify if SC/ST persons hold at least 51%.
25% of the project cost, up to a maximum of ₹25 lakh. It is released to your account over three years after the loan is disbursed.
9% a year on loans up to ₹25 lakh, 7% on loans up to ₹5 crore and 6% on loans up to ₹10 crore.
Yes. Trading units can get loans up to ₹1 crore under this scheme, which is rare among subsidy schemes. Manufacturing units can go up to ₹10 crore and service units up to ₹5 crore.
Yes. Stand-Up India gives a bank loan for your first enterprise, and this scheme's margin money and interest subsidy can reduce your own contribution and interest cost. We plan the combination for your project.
We prepare the project report, help with the SSO application, arrange the bank loan and follow up with the DIC until the subsidy is released. SABloan is a Direct Selling Agent; loan sanction is at the bank's discretion and the subsidy is approved by the government.
SABloan is a brand of ABFin Advisory Private Limited, acting as a Direct Selling Agent (DSA) for its partner banks; it is not a lender. Loans are sanctioned at the sole discretion of the lender. Margin money, interest subsidy and other benefits are approved and released by the Department of Industries & Commerce, Government of Rajasthan, as per the scheme guidelines in force; SABloan does not approve or release any subsidy. Details shown are a summary of published guidelines and may change — the official notification prevails.
Share your business plan and project cost on WhatsApp — we'll work out your margin money and interest subsidy.
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