About this business scheme
The scheme aims to provide interest-free loans to farmers and self-help groups for agricultural and non-agricultural activities to promote self-employment and strengthen the rural economy.
The scheme “Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana” was introduced by the Cooperative Department, Government of Uttarakhand. The scheme aims to provide interest-free loans to farmers and self-help groups for agricultural and non-agricultural activities to promote self-employment and strengthen the rural economy.
Benefits at a glance
| Scheme name | Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana (DDUSKKYUK) |
|---|---|
| Launched by | Co-Operative Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Business |
| Level / State | State · Uttarakhand |
| Official portal | uk.gov.in |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Offline |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | No |
| Age | 18 to 80 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 80 years
- 🏘️Rural
- 💼Farmer
- 📝Offline
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
Under the scheme, an interest-free loan of up to Rs. 1.00 lakh is provided for agricultural activities, up to Rs. 3.00 lakh for non-agricultural activities (such as animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms, floriculture, horticulture, agricultural processing, farm mechanization, organic farming, off-season vegetable cultivation, poly-house farming, etc.), and up to Rs. 5.00 lakh for self-help groups (SHGs).
Who qualifies
- The applicant must be a general, small, or marginal farmer, or a farmer living below the poverty line, including their family members or a self-help group (SHG) from Uttarakhand.
- The applicant must be a member of the cooperative society in their respective area or hold a savings account in the District Cooperative Bank.
- Only one member from a family will be eligible to receive benefits under the scheme.
- The benefits of the scheme will not be extended to defaulting cooperative members.
- Currently, there is no income limit prescribed for farmers to avail of the scheme’s benefits.
(Note: A small farmer is one who owns up to 5 acres of unirrigated land or up to 2.5 acres of irrigated land. A marginal farmer is one who owns up to 2.5 acres of unirrigated land or up to 1.25 acres of irrigated land.)
Who is not eligible
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Registration walkthrough
Offline
- For loans ranging from Rs. 1 lakh to Rs. 3 lakh, applicants must be members of a cooperative society. If they wish to obtain a loan directly from a bank, they must become nominal members.
- The applicant must first obtain an application form from the bank or committee. The application form should include the applicant’s photograph, Aadhaar card, PAN card, work plan, annual income and expenditure details, and other relevant loan information. The applicant must also provide details of movable and immovable assets, such as land, deposits, etc. Two guarantors are required for the loan, and information about their movable and immovable assets must also be submitted.
- After submitting the application form along with land certificates, account records, and the Kisan Card to the relevant bank or committee, the block-level committee will select beneficiaries, cover them under the scheme, and sanction the loans accordingly.
- For loans up to Rs. 5 lakh, the group must submit a project report or proposal, as this loan is sanctioned to the group rather than to individual members. It is mandatory for the group to maintain an account with a cooperative bank. Self-help groups availing benefits under the scheme must be registered for activities covered by agriculture or agriculture-related schemes operated by the State or Central Government.
- The repayment period for a short-term loan of Rs. 1 lakh (crop loan) sanctioned under the scheme is one year from the date of disbursement. For a medium-term loan of Rs. 3 lakh, the repayment period is three years from the date of disbursement, and a project report is also required for such loans.
- The target for loan distribution under the scheme is determined based on the budget provisioned for each financial year. It is mandatory to obtain crop insurance for short-term agricultural loans sanctioned for crops notified under the Pradhan Mantri Fasal Bima Yojana. The cooperative bank itself will arrange for the insurance of such agricultural loans.
- If a farmer does not receive a loan in a particular year but requires it in the following year, the department will consider his previously submitted application for processing in the next year.
Process of Becoming a Member of the Cooperative Society:
- Interested applicants can apply for membership by filling out the prescribed membership application form available at the concerned society’s office and by depositing Rs. 108/- as the membership fee.
- The Board of Directors reviews the membership application through the relevant committee and either accepts or rejects it. To become a member, the applicant must provide a land ownership certificate for the area, a certificate from the Patwari confirming agricultural activity, and an Aadhaar card.
Frequently asked questions
Who is eligible to apply under this scheme?
General, small, and marginal farmers, farmers living below the poverty line (BPL), their family members, and self-help groups (SHGs) are eligible, provided they are members of a cooperative society or hold a savings account in the District Cooperative Bank.
What is the loan amount available under the scheme?
- Up to Rs. 1.00 lakh for agricultural activities.
- Up to Rs. 3.00 lakh for non-agricultural activities (e.g., animal husbandry, poultry, fisheries, horticulture, etc.).
- Up to Rs. 5.00 lakh for self-help groups (SHGs).
What activities are covered under non-agricultural work?
Non-agricultural activities include animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms, floriculture, horticulture, organic farming, agricultural processing, mechanization, poly-house farming, and off-season vegetable production.
What is the definition of a small and marginal farmer under the scheme?
- Small Farmer: Owns up to 5 acres of unirrigated land or up to 2.5 acres of irrigated land.
- Marginal Farmer: Owns up to 2.5 acres of unirrigated land or up to 1.25 acres of irrigated land.
Can more than one member of a family apply for the loan?
No. Only one member per family is eligible to avail of the benefits under this scheme.
Are there any income limits prescribed under the scheme?
No. Currently, there is no income limit prescribed for farmers to avail of the scheme’s benefits.
Are defaulters of cooperative societies eligible for this loan?
No. Defaulters of any cooperative institution are not eligible for benefits under this scheme.
Who is responsible for selecting the beneficiaries?
A Block-Level Committee reviews all applications and selects eligible beneficiaries. The committee then approves and forwards the cases for loan disbursement under the scheme.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Official Website cooperative.uk.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
The details on this page are from the official listing and have not been rewritten or reviewed by our team yet. Confirm them on the official portal before applying.
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