Swarna Jayanti Gram Swarozgar Yojana is a special scheme by the Government of India to help people living below the poverty line, especially in rural areas. With this scheme, the government wants to improve the financial condition of poor families by providing them loans and subsidies. In this article, you will get clear details about the Swarna Jayanti Gram Swarozgar Yojana 2025 including its purpose, benefits, eligibility, required documents, and how to apply.
Swarna Jayanti Gram Swarozgar Yojana 2025
This scheme is run by the Government of India to offer bank loans and government grants to poor rural families to help raise their income above the poverty line. The main goal of the Swarna Jayanti Gram Swarozgar Yojana is to increase the income of beneficiaries by creating self-help groups, providing training, and supporting skill development. Loans are given for self-employment with subsidies provided on the loan amount. The government covers 75% of the subsidy, and the state government covers 25% of the cost. This encourages rural families to start their own businesses and improve their earnings.
Purpose of Swarna Jayanti Gram Swarozgar Yojana
The plan’s main aim is to increase income enough within a set time so families living below the poverty line can rise above it. By offering subsidies on loans and proper training, the scheme helps citizens improve their lives. It focuses on making poor rural people independent through skill development and financial support.
Main Details of Swarna Jayanti Gram Swarozgar Yojana
| Scheme Name | Swarna Jayanti Gram Swarozgar Yojana |
| Launched By | Government of India |
| Beneficiaries | Rural poor families |
| Objective | To raise rural poor families above poverty line |
| Official Website | Click Here |
| Year | 2025 |
Benefits and Features of Swarna Jayanti Gram Swarozgar Yojana 2025
- Brings poor rural people together into self-help groups.
- Provides loans and subsidies to support self-employment.
- Offers skill development and training to beneficiaries.
- Runs under the Government of India’s authority.
- Helps create income-generating assets through loans and grants.
- Aims to set up many small businesses in rural areas based on skills and available resources.
- Self-help groups include social mobilization, training, skill building and asset creation.
- Government covers 75% of subsidy; state government covers 25%.
- Encourages rural families to start self-employment and increase income.
Social Organization of Beneficiaries
- Self-help groups usually have 10 to 20 members living below the poverty line.
- No person should be a member of more than one group.
- In reserved or difficult areas like hills or deserts, group size can be 5 to 20 members.
- Up to 20-30% of members above poverty line may be allowed in special cases.
- Efforts are made to include women in all self-help groups.
- 50% of self-help groups at block level are formed separately for women.
Role of NGOs and Banks in the Scheme
- NGOs help form and train groups under the scheme.
- NGOs and community organizations receive ₹10,000 per group in four installments for support activities.
Selection of Activities Under the Scheme
- Each block can select about 10 main activities that match local resources and market availability.
- Block level Swarna Jayanti Gram Swarozgar Yojana committees select activities in consultation with banks, industry, Khadi & village industries, and district industry centers.
- All selected activities need approval by the Panchayat Samiti and district-level committees.
Types of Financial Support in Swarna Jayanti Gram Swarozgar Yojana
- Revolving Fund: Maximum ₹25,000 including a grant of ₹10,000 from the government.
- Training: Up to ₹5,000 spent on skill development training for beneficiaries.
- Infrastructure: Fairs and exhibitions are held to sell products made by self-employed persons.
- Loan Subsidy: 30% subsidy on project cost up to ₹7,500; 50% subsidy for Scheduled Castes, Scheduled Tribes & disabled individuals up to ₹10,000; 50% subsidy for self-help groups, limited to ₹10,000 per person or ₹1,00,000 total, whichever is less.
Target Groups of Swarna Jayanti Gram Swarozgar Yojana
- The focus is on families below the poverty line in rural areas.
- Reservation of 50% for Scheduled Castes & Tribes, 40% for women, 15% for minorities, and 3% for disabled persons.
Pradhan Mantri Gram Sadak Yojana
Financial Support Details Under the Scheme
- Government provides subsidies and banks offer loans to individuals and groups.
- Subsidy on loans is 30% for individuals (max ₹7,500) and 50% for SC/ST and disabled persons (max ₹10,000).
- For self-help groups, subsidy is 50% of project cost with limits as explained above.
Revolving Fund Details
- After first-grade eligibility, district councils provide cash loans as revolving funds through banks and rural development cells.
- Amount ranges between ₹5,000 and ₹10,000 per self-help group leader.
- Total subsidy can reach up to ₹20,000 in multiple instalments.
- Funds are provided by rural development cells of district councils.
Training Under Swarna Jayanti Gram Swarozgar Yojana
- Training is provided to improve skills needed for chosen income activities.
- Training duration and curriculum are designed to meet the needs of the main activities.
- Training costs are paid from district council SGSY funds.
- At least 10% of funds are set aside for beneficiary training and skill development.
- ₹5,000 is spent per trainee.
Marketing Support and Financing
- Fairs and exhibitions are arranged to help beneficiaries sell their products.
- These events happen at local, district, state, national, or international levels.
- Marketing includes information services, distribution, export help, and product development.
- District councils can spend up to ₹5,00,000 for designing and producing new marketing projects.
How to Apply for Swarna Jayanti Gram Swarozgar Yojana 2025
- Go to the official website of Swarna Jayanti Gram Swarozgar Yojana at official portal.
- You will see the homepage open on your screen.
- Click on ‘Apply Now’ or similar option.
- A new page with the application form will open.
- Fill in all the required details carefully.
- Upload necessary documents as asked.
- Submit the form by clicking the submit button.
- This will complete your application process for the scheme.