Uttar Pradesh government schemeCM YUVA business loan, filed properly
Project report, MSME registration, document checking and the portal submission — handled end to end, so your file reaches the bank in the shape a credit officer expects.
- ₹10 lakhManufacturing units
- ₹5 lakhService & small units
- 0%Effective interest
- ₹50,000Margin money subsidy
Approval is the bank’s decision, not ours. What we guarantee is the paperwork.
- 0% — The state reimburses the interest as a subvention. You pay the EMI; the interest portion is credited back on prompt repayment.
- ₹50,000 — 10% of project cost as an upfront grant to the loan account, capped at ₹50,000.
- UP government scheme
- Project report included
- MSME filing included
- DIC follow-up
- Encrypted uploads
- WhatsApp status
The scheme
What CM YUVA actually offers
Mukhyamantri Yuva Udyami Vikas Abhiyan is Uttar Pradesh's scheme for first-time entrepreneurs. Here is what the terms mean in practice.
₹10 lakh
Manufacturing units
Project loan ceiling for industrial and manufacturing enterprises.
₹5 lakh
Service & small units
Ceiling for service sector and small-scale enterprises.
0%
Effective interest
The state reimburses the interest as a subvention. You pay the EMI; the interest portion is credited back on prompt repayment.
₹50,000
Margin money subsidy
10% of project cost as an upfront grant to the loan account, capped at ₹50,000.
“Interest-free” means subvention, not a zero-interest loan. You repay the EMI to the bank as normal and the state credits the interest back to your account when repayment is prompt. Miss instalments and that reimbursement is what you lose.
Before you apply
Check yourself against these six
Every one has to be true. If you are unsure about any of them, ask before paying — we would rather tell you no than take a fee for a file that cannot pass.
Age 21 to 40
Measured at the time of filing the application.
Uttar Pradesh domicile
A permanent resident, with a domicile certificate to prove it.
Class 8 passed or above
Class 10, 12 or a degree is preferred but not required.
No lender default
A clean repayment record. An active default or write-off fails the bank's credit check.
No overlapping scheme benefit
You cannot already be drawing subvention under PMEGP or another state-funded employment scheme.
Manufacturing or service activity
Pure retail trading is not eligible. The sectors below are.
Sector rules
Twelve activities the scheme funds
Manufacturing and service enterprises qualify. Pure retail trading does not, however the shop is described on the form.
Manufacturing
Processing mills, packaging plants, textile production and small-scale factories.
Service sector
Software development, diagnostic centres, consultancies and tailoring units.
Food processing
Oil extraction, flour milling, cold storage, bakeries and spice processing.
Engineering workshop
Auto garages, lathe machining, sheet-metal welding and industrial fabrication.
Repair & maintenance
Appliance servicing, device repair desks and automobile repair centres.
Technical services
HVAC installation, architectural mapping, civil design and plumbing setups.
Digital & IT services
Software centres, cyber security setups, SEO consulting and animation studios.
Healthcare services
Physiotherapy clinics, nursing consulting, pathology labs and pharmacies.
Education & skills
Coaching classes, vocational training, gyms and skill certification schools.
Agro processing
Bio-fertiliser plants, solar dryers, animal feed units and commercial nurseries.
Small industrial units
Soap packaging, fly-ash brick kilns, paper bags and box packaging.
Professional services
Accounting practices, legal advisory desks and credit consultancy offices.
The service
What you are paying for
Six pieces of work, all of them before the file leaves our hands.
Detailed Project Report
A costed, bank-format DPR with machinery schedule, projections and break-even — not a filled-in template.
MSME / Udyam registration
Filed for you, with the activity codes chosen to match the project the bank will read.
Document review before filing
Name and spelling matched across Aadhaar, PAN and marksheets, because a mismatch is the most common rejection.
Portal submission
The dossier uploaded to the state portal, assembled the way the department expects it.
DIC follow-up
We chase the file through DUDA, NIC and the District Industry Centre so it does not sit in a queue.
Status on WhatsApp
Every stage change is sent to your verified number, and tracked in your customer portal.
Paperwork
What to keep ready
Four to start. The rest are needed before the file is submitted, and we will tell you when.
To begin
- PAN cardIndividual tax identifier.
- Aadhaar cardLinked to a working mobile number for OTP.
- Bank passbookThe account the subvention will be credited to.
- Class 8 marksheet or aboveProof of the education floor.
Before submission
- UP domicile certificate
- Caste certificate, if claiming a reserved-category benefit
- Address proof for the proposed business premises
- Machinery or equipment quotation from an authorised dealer
- Detailed Project Report with the project cost summary
- Non-defaulting affidavit, notarised
- EDP training certificate, once completed
- Passport-size photograph
The route
Ten stages, and who moves each one
We control the first six. The last four are the department's and the bank's — we follow up, but we do not decide.
Eligibility check
DigiConnectYour profile is tested against the scheme rules before anything is charged or filed.
Document collection
DigiConnectPAN, Aadhaar, bank passbook and marksheet are collected and checked for name and spelling matches.
Project report preparation
DigiConnectCredit analysts prepare the DPR: cost of project, machinery schedule, projections and break-even.
MSME / Udyam registration
DigiConnectUdyam filing is completed so the file qualifies for priority-sector lending treatment.
Application compiled
DigiConnectThe full dossier is assembled and checked against the department's own list before upload.
Portal upload
DigiConnectThe application is submitted on the UP youth self-employment portal.
DUDA / department review
DepartmentMunicipal and departmental bodies run their credential checks.
DIC scrutiny
DepartmentThe District Industry Centre reviews the file. We follow up and answer queries on your behalf.
Bank credit appraisal
BankThe DIC forwards the file to a branch, which runs its own CIBIL and viability assessment.
Sanction & disbursal
BankThe branch decides. Approval and the amount are entirely the bank's call.
Worth knowing
Three reasons files come back
All three are avoidable, and all three are checked before your application is submitted.
Name mismatch across documents
A spelling difference between Aadhaar, PAN and the marksheet is the single most common reason a file is returned.
A retail shop filed as a service unit
Pure retail trading is outside the scheme. The activity has to genuinely be manufacturing or service.
A generic project report
Template DPRs and machinery quotes that do not match the costing are rejected at credit appraisal.
Fee
One amount, paid once
Everything below is covered. Government and bank charges, where they apply, are paid to them directly and are not ours to collect.
₹9,999one time
- Detailed Project Report
- MSME / Udyam registration
- Document review before filing
- Portal submission
- DIC follow-up
- Status on WhatsApp
Nothing is charged before you see the summary, and wallet balance can be applied at checkout.
Either way
Assisted filing, or on your own
Filing it yourself is allowed and free. This is what changes when someone does it with you.
Project report
- With us
- Costed DPR prepared for your project
- On your own
- A downloaded template, usually rejected
Document checking
- With us
- Name and spelling matched before filing
- On your own
- Found at the counter, after a rejection
MSME / Udyam
- With us
- Filed as part of the package
- On your own
- A separate errand
Department follow-up
- With us
- DUDA, NIC and DIC chased on your behalf
- On your own
- Repeat visits to the district office
Status
- With us
- WhatsApp updates and portal tracking
- On your own
- Phone calls and guesswork
Fee
- With us
- One published amount, paid once
- On your own
- Agent fees quoted per step
| What it involves | With DigiConnect | On your own |
|---|---|---|
| Project report | Costed DPR prepared for your project | A downloaded template, usually rejected |
| Document checking | Name and spelling matched before filing | Found at the counter, after a rejection |
| MSME / Udyam | Filed as part of the package | A separate errand |
| Department follow-up | DUDA, NIC and DIC chased on your behalf | Repeat visits to the district office |
| Status | WhatsApp updates and portal tracking | Phone calls and guesswork |
| Fee | One published amount, paid once | Agent fees quoted per step |
How we work
Why applicants hand this over
Six things that are true of every file, and one that is true of none.
Secure document handling
Uploads travel over an encrypted connection and are stored in access-controlled storage.
Expert project reports
Prepared by credit analysts, in the format branches read.
MSME registration included
Filed with the package, not billed separately.
Department liaison
DUDA, NIC and DIC followed up until the file moves.
WhatsApp support
Questions answered and stage changes pushed to your number.
One published fee
No per-step charges, and nothing taken before you see the summary.
DigiConnect Dukan provides documentation, project report, registration and application assistance. Final approval, subsidy sanction and loan disbursal are decisions of the government department and the lending bank, not of DigiConnect.
At a glance
The scheme in four numbers
What it lends, what it grants, and how wide it reaches.
₹0 lakh
Manufacturing ceiling
₹0 lakh
Service sector ceiling
₹0
Margin money subsidy
0
Eligible sectors covered
Answers
Frequently asked questions
Twenty of them, including the ones people are reluctant to ask.
Mukhyamantri Yuva Udyami Vikas Abhiyan (CM YUVA) is an Uttar Pradesh government scheme for young entrepreneurs setting up micro-enterprises. It offers collateral-free credit with an interest subvention, along with a margin money subsidy. DigiConnect provides the documentation side: project report, MSME registration and the application filing.
Secure and accountable
- Secure Razorpay payments
- Encrypted document uploads
- Customer portal tracking
- PAN India partner network
- RNOS-backed operations
Talk to an advisor
Before you pay, or at any point after.