Subsidy
CM Yuva Udyami Abhiyan
The Mukhyamantri Yuva Udyami Vikas Abhiyan (CM-YUVA) helps young people in Uttar Pradesh start new micro enterprises with interest-free, collateral-free bank loans. It was launched on 24 January 2025 and is run by the CM-YUVA Mission under the Commissioner & Director of Industries, through the District Industries Centres.
Phase 1 at a glance
- Loan: up to ₹5 lakh, interest-free and collateral-free for four years, including a six-month moratorium, for projects up to ₹10 lakh.
- Margin money: a 10% margin money subsidy, calculated on a project cost of up to ₹5 lakh.
- Guarantee fee: the state pays the CGTMSE fee.
- Own contribution: 15% for general category, 12.5% for OBC, and 10% for SC/ST/PwD applicants and those from Bundelkhand, Purvanchal or aspirational districts.
Who can apply
- Applicants aged 21 to 40, with at least a Class 8 pass.
- A skill certificate from an eligible state or central skill scheme.
- New micro enterprises only; activities on the negative list (such as alcohol and aerated drinks) are excluded.
- Applicants must not be availing another state or central interest or capital subsidy, other than PM SVANidhi.
A DPR and physical verification became mandatory in 2026. Phase 2 offers interest support for larger follow-on projects to entrepreneurs who repay their Phase 1 loan on time; we confirm current Phase 2 terms on the official portal before advising.
CM-YUVA or MYSY?
The state's Mukhyamantri Yuva Swarozgar Yojana (MYSY) is a margin-money scheme for somewhat larger projects.
| CM-YUVA (Phase 1) | MYSY | |
|---|---|---|
| Age | 21–40 | 18–40 |
| Project size | Up to ₹10 lakh (loan up to ₹5 lakh) | Up to ₹25 lakh (industry) / ₹10 lakh (service) |
| Support | Interest-free loan for 4 years + 10% margin money | 25% margin money (30% for SC/ST), up to ₹6.25 lakh (industry) / ₹2.5 lakh (service) |
| Education | Class 8 | High school |
Sources
Scheme terms change; verify on the official portal; last checked 2 Oct 2026. This page is general information for planning, not a guarantee of eligibility, sanction or disbursement. See our Terms of Use & Disclaimer.
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