Rajasthan's scheme for young entrepreneurs who want to set up or grow a manufacturing or service unit. The State pays up to 8% of your interest and gives margin money of up to ₹5 lakh. SABloan prepares your file and gets the loan sanctioned through a partner bank.
The Vishwakarma Yuva Udyami Protsahan Yojana (VYUPY) was approved by the Rajasthan Cabinet in August 2025 and is open until 31 March 2029. It is meant for young people aged 18 to 45 who want to start a new micro or small enterprise, or expand, diversify or modernise an existing one. You take a bank loan of up to ₹2 crore; the State pays back up to 8% interest every quarter and gives margin money of 25% of the loan, up to ₹5 lakh. It is the bigger-ticket option for youth whose project is too large for the Mukhyamantri Yuva Swarozgar Yojana. The scheme is run by the District Industries & Commerce Centre (DIC), and applications are made online with your Rajasthan SSO ID.
| Loan amount | Interest subsidy | Women, SC/ST, PwD, rural, Weaver/Shilpi card |
|---|---|---|
| Up to ₹1 crore | 8% p.a. | 8% p.a. |
| ₹1 crore – ₹2 crore | 7% p.a. | 8% p.a. (extra 1%) |
| Support | Details |
|---|---|
| Margin money | 25% of the sanctioned loan or ₹5 lakh, whichever is lower. Kept as an FD in your name and adjusted against the loan after 3 years of running the unit. |
| Your own share | At least 10% of the project cost. |
| What the loan can cover | Machinery, equipment, furniture, building, land and working capital (as a cash credit limit). |
| Collateral | Not needed for loans within the CGTMSE limit. |
If the bank's interest rate is at or below the subsidy rate, the State covers the full interest. Interest subsidy on land and building is limited to 25% of the loan. Subsidy is claimed every quarter through the bank.
| Bank interest rate (assumed) | 10% p.a. |
| Interest subsidy from the State | 8% p.a. |
| Your effective interest cost | about 2% p.a. |
| Margin money (25%, capped) | ₹5,00,000 |
Up to ₹2 crore — enough for a proper factory, workshop or service centre.
Brings a typical bank rate down to about 2% a year, paid back every quarter.
25% of the loan, up to ₹5 lakh, adjusted against your loan after 3 years.
Existing units can use it to expand, diversify or modernise.
Women, SC/ST, persons with disabilities, rural units and Weaver/Shilpi card holders get 1% more above ₹1 crore.
Partnerships, LLPs and companies where youth aged 18–45 hold at least 51%.
Not covered: commercial vehicles costing over ₹15 lakh, liquor, real estate, mining and agriculture.
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 on the DIC portal with your Rajasthan SSO ID and upload documents. Fix any objection within 30 days.
The DIC forwards your file to the district task force committee. Loans above ₹10 lakh include an interview.
The bank sanctions and disburses the loan, then claims margin money and quarterly interest subsidy for you.
8% a year on loans up to ₹1 crore and 7% on loans between ₹1 crore and ₹2 crore. Women, SC/ST applicants, persons with disabilities, rural enterprises and Weaver or Shilpi card holders get an extra 1% on loans above ₹1 crore.
25% of the sanctioned loan or ₹5 lakh, whichever is lower. The bank keeps it as an FD in your name and adjusts it against your loan after 3 years of continuous operation.
Yuva Swarozgar gives a fully interest-free loan of up to ₹10 lakh for micro enterprises. Vishwakarma Yuva Udyami Yojana is for bigger projects — up to ₹2 crore — with up to 8% interest subsidy and up to ₹5 lakh margin money. We help you pick the one that suits your project.
Yes, for expansion, diversification or modernisation. Manufacturing units must raise production capacity by at least 25%, and service units must raise investment by at least 25%. Units that took a capital or interest subsidy in the last 5 years are not eligible.
Online on the District Industries & Commerce Centre portal, using your Rajasthan SSO ID. The district task force committee selects applicants, and the bank then sanctions the loan.
We prepare the project report, help fill the SSO application, prepare you for the committee interview and follow up with the DIC and the bank. 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. Interest subsidy and margin money 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 project cost and business plan on WhatsApp — we'll work out your subsidy and margin money.
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