Rajasthan Gramin Parivar Aajivika Loan Scheme 2025 is a new financial help from the Rajasthan Government to support rural families. This scheme was announced during the 2024-25 budget speech by Chief Minister Ashok Gehlot. It officially started on 10 October 2024 to provide interest-free loans to families living in rural areas. Through this scheme, the government will offer up to ₹2 lakh interest-free loans for farming and other agriculture-linked activities to 1 lakh rural families. In total, the government plans to offer loans worth ₹2000 crore under this scheme.
If you live in Rajasthan, this article is for you. Here, we explain everything about Rajasthan Gramin Parivar Aajivika Loan Scheme 2025, from its benefits to how you can apply.
Overview of Rajasthan Gramin Parivar Aajivika Loan Scheme 2025
Chief Minister Ashok Gehlot announced the Rajasthan Gramin Parivar Aajivika Loan Scheme in the 2024-25 budget. The Cooperation Department has approved this scheme, which now offers interest-free loans through commercial banks, regional rural banks, cooperative banks, and small finance banks.
The scheme provides loans ranging from ₹25,000 to ₹2,00,000 to rural families for agricultural and non-agricultural activities. About 1 lakh rural families will benefit from this program. Apart from the interest-free loan, the government will offer an interest subsidy of ₹100 crore to support this scheme. To be eligible, families should have lived in rural areas of Rajasthan for at least 5 years.
Rajasthan Gramin Parivar Aajivika Loan Scheme announced by @ashokgehlot51 @AshokChandnaINC @RajCMO @RajGovOfficial pic.twitter.com/Cn9M36BbBb — Information and Public Relations Department, Rajasthan Govt. (@DIPRRajasthan) October 12, 2024
Loans Given Within 15 Days Under the Scheme
Once your loan application is approved, the government promises to provide the loan within 15 days. Loans will be given through various banks including commercial banks, regional rural banks, government banks, and small finance banks. Under this scheme, the target is to distribute loans to 1 lakh families through:
- 55,158 through commercial banks
- 36,741 through regional rural banks
- 5,949 through cooperative banks
- 2,152 through small finance banks
No processing fee will be charged for the loan application. Beneficiaries must renew their loans each year by clearing any outstanding balance. The government will keep providing interest subsidies in the following years as well.
Main Aim of Rajasthan Gramin Parivar Aajivika Loan Scheme
This loan scheme aims to help 1 lakh rural families by offering interest-free loans of up to ₹2 lakh. These families depend on agriculture and related non-agricultural activities like handicrafts, small industries, spinning, weaving, printing, and dyeing. By giving financial support, the government wants to strengthen livelihoods and create new jobs in rural areas.
This loan will help families become economically stronger and independent. It will also create employment opportunities for rural youth.
How Are Families Selected Under This Scheme?
- Applicants need to apply online through the information technology development portal after meeting all eligibility criteria.
- District collectors will select eligible families based on target numbers assigned to each district.
- A committee led by the district collector will verify the eligibility of applicants.
- Approved applications will be sent to the respective bank branches for loan processing.
- Banks will decide on loan approval within 15 days and give loans if approved.
Main Features of Rajasthan Gramin Parivar Aajivika Loan Scheme 2025
- Scheme announced by Chief Minister Ashok Gehlot during the 2024-25 budget.
- Officially started on 10 October 2024 by the Cooperation Department.
- Interest-free loans totaling ₹2000 crore to rural families.
- Loans from ₹25,000 to ₹2,00,000 available for agriculture and allied activities.
- Government offers ₹100 crore as interest subsidy.
- Loans given through commercial banks, regional rural banks, cooperative banks, and small finance banks.
- Applicants must have lived in Rajasthan’s rural areas for at least 5 years.
- No processing fees for applying.
- Loans processed and given within 15 days of approval.
- Beneficiaries need to renew loans every year by clearing dues.
- Government will keep offering interest subsidy support in future years.
Eligibility Criteria for Rajasthan Gramin Parivar Aajivika Loan Scheme
- The applicant must be a resident of Rajasthan rural area.
- Must have lived in the rural area for at least 5 years.
- Should have Aadhaar and Jan Aadhar cards.
- Must have a bank account with any commercial, regional rural, cooperative, or small finance bank.
- Must have a Kisan Credit Card (KCC) from any licensed bank.
- If no KCC exists in the family, new cards for non-agricultural work will be approved.
- Marginal farmers, landless workers, tenant farmers, and daily wage workers involved in agriculture or allied work can apply.
- Rural artisans and families involved in allied non-agricultural activities can apply.
- Members of self-help groups, producer groups, and business groups can apply for group loans, with up to 10 members per group eligible for individual loans.
- Applicant must live in the area served by the bank branch providing the loan.
Documents Needed
- Aadhaar Card
- Jan Aadhar Card
- Kisan Credit Card
- Bank account details
- Mobile number
- Residence certificate
- Passport size photograph
How to Apply for Rajasthan Gramin Parivar Aajivika Loan Scheme?
The Cooperation Department of Rajasthan has approved this scheme. Once the official application portal is ready, you will be able to apply online. We will update this page with all new information as soon as the application process starts.
Keep checking this article to get the latest details about Rajasthan Gramin Parivar Aajivika Loan Scheme 2025 and how to apply.