§1Who it is for

Permanent resident of Uttar Pradesh
Aged 21 to 40
At least Class 8 pass (Intermediate preferred)
A certificate or diploma from government training (ODOP, Vishwakarma Shram Samman, SC/ST/OBC training) or from a recognised institution
Has not taken an interest or capital subsidy under any Central or State scheme before (PM SVANidhi excepted)
Manufacturing, service and trading are all covered

§2How much you get

Phase 1: a loan for a project of up to ₹5 lakh, with 100% interest subsidy for 4 years (official UP portal)
10% of total project cost (max eligible project ₹5 lakh) margin money subsidy, back-ended (Bank of Baroda page)
Collateral-free; Bank of Baroda page says no processing fee
Phase 2 (after repaying the Phase 1 loan): the official UP portal says a ₹10–20 lakh loan with 50% interest subsidy for 3 years; the Bank of Baroda page instead says a loan of up to twice the Phase 1 amount or at most ₹7.50 lakh – see notes

Tick each one as you get it ready.

1
Register or log in on the UP MSME portal (msme.up.gov.in / diupmsme.upsdc.gov.in)
2
In the beneficiary section, choose the CM-YUVA scheme and fill in your details
3
Upload your documents and project report
4
The District Industries Centre (DIC) checks the application and forwards it to the bank
5
The bank sanctions and disburses the loan; the margin money subsidy is paid back-ended

Having already taken an interest or capital subsidy under a Central or State scheme (PM SVANidhi excepted) – an eligibility condition of the scheme (Bank of Baroda, UP 1-Connect)

DPR, loan file and documents — we can get them prepared for you.

Our interestPreparing files is our paid service. You can apply for the scheme yourself, free of charge.

Checked on 4 October 2026. Spotted a mistake? Report it. For information only — not legal or financial advice; confirm with the department or bank.