Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana

Arunachal Pradesh Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY)

Many young people in Arunachal Pradesh have business ideas but cannot raise the capital to start. The Deen Dayal Upadhyaya Swavalamban Yojana (DDUSY) is a startup loan and subsidy scheme of the Government of Arunachal Pradesh that promotes self-reliance among unemployed youth. It was announced in the March 2017 Budget speech and notified on 16 May 2017, and the current published guidelines were issued on 17 September 2018. The Department of Finance, Planning & Investment implements it through a district-level selection process.

Latest Update

According to the FY 2026-27 Budget Speech, the scheme has enabled 2,380 youth and women to secure funding of more than ₹425 crore. The budget proposes ₹200 crore to support 2,500 more beneficiaries in FY 2026-27, along with a fresh third-party evaluation, wider sector coverage, and extra credit support for top-performing beneficiaries.

Key Benefits

• 40% front-end capital subsidy for projects costing ₹10 lakh to ₹50 lakh
• Bank loan of 30% to 50% of the project cost, excluding land and building
• Entrepreneur’s own contribution of 10% to 30%, with preference for those contributing more
• Extra 5% annual interest subsidy for women entrepreneurs, as long as the loan does not become an NPA
• Most loans are collateral-free under the CGTMSE credit guarantee, subject to its conditions
• Repayment up to 7 years, including a moratorium of up to 6 months
• Handholding and incubation support from the Arunachal Pradesh Innovation and Investment Park (APIIP)
• Funds are released in phases against progress reports and paid directly to vendors, not to the beneficiary’s personal account
• Homestay projects may be capped at ₹30 lakh

Eligible Activities

• Food processing in agriculture, horticulture, and allied sectors (packaging, cold chain, cold storage, milk processing). Plantation alone is not eligible.
• Eco-tourism, homestays, and tour operations
• Traditional textile weaving
• Small-scale manufacturing and bamboo processing units
• Service centres and diagnostic centres
• Other innovative business ideas

Who Can Apply?

• Unemployed entrepreneurs of the Arunachal Pradesh Scheduled Tribe (APST) community starting a new enterprise
• Aged 18 to 45, per a departmental circular of 29 August 2025
• Passed Class XII (10+2) or equivalent
• A self-declaration of unemployment status
• A bankable, viable project in an eligible sector

Preferences go to applicants with a degree or diploma in Tourism and Hospitality, an ITI qualification, or a technical qualification in fabrication, IT, mobile repair, or motor garage trades. Private doctors opening a clinic or diagnostic centre in a Border CD block, charging reasonable fees, are also preferred.

Homestay conditions: a location with proven tourism potential, a valid trade licence (Department of Trade & Commerce), and a homestay registration licence (Department of Tourism). Homestays cannot exceed 20% to 30% of the annual beneficiary quota.

Documents Required

• ID proof: Aadhaar, Voter ID, passport, driving licence, or PAN (or bank signature identification for a firm or company)
• Address proof: recent telephone or electricity bill, property tax receipt, passport, or Voter ID, plus proof of business address
• ST certificate
• Educational qualification certificates
• Self-declaration of unemployment
• No-dues certificate from the Arunachal Pradesh State Co-operative Apex Bank
• Detailed Project Report (DPR) or concept note in the standard format
• Homestay applicants: trade licence and homestay registration licence
• Any extra documents the bank needs

How to Apply

Applications are online through the DDUSY portal.

1. Register under the Menu tab, using a username that matches your legal name.
2. Prepare your DPR or concept note first.
3. Log in and select “Fill Up the DDUSY Form” for the current year.
4. Enter your district, block, personal details, business idea, and project cost (up to ₹50 lakh).
5. Add family background, bank account and guarantor details, and first-year income and expense projections.
6. Upload clear, correctly named scans of your documents.
7. Review and submit, and note your Application ID.
8. Track your status using “Track My DDUSY Application.”

Selection Process

1. The District Planning Officer (DPO) scrutinises your online application.
2. The District Lead Bank Manager checks your CIBIL score to rule out defaulters.
3. You are interviewed and present your project before the District Level Screening Committee (DLSC), chaired by the Deputy Commissioner.
4. Suitable proposals go through field verification at the business site.
5. The DLSC recommends selected applications to the Lead Bank Manager, who forwards them to the relevant bank branch.
6. The bank appraises the project, extends the loan, and claims the subsidy from the Finance, Planning & Investment Department.

After Approval

• Submit expenditure statements and quarterly or half-yearly progress reports
• The DPO and the bank jointly issue a Completion Certificate
• Every funded project must display a signboard showing sponsorship under the scheme

Contact

DDUSY Support
WhatsApp: 9402693699
Email: tabe.haidar@gov.in, moriam.tamai@gov.in