About this banking scheme
The scheme aims to promote self-reliance among persons with disabilities through grants, term loans, and margin money assistance.
The "Livelihood Opportunity Promotion Scheme (Disabled)" scheme was launched by the Social Welfare Department, Government of Uttarakhand. It aims to empower persons with disabilities by providing financial assistance for sustainable self-employment and livelihood generation. Under this scheme, the beneficiaries are supported with a mix of grants, subsidized loans, and margin money for term loans, shop construction, and bank-linked enterprises.
Benefits at a glance
| Scheme name | Livelihood Opportunity Promotion Scheme (Disabled) (LOPSD) |
|---|---|
| Launched by | Department Of Social Welfare |
| Benefit type | Cash (money paid to your bank account) |
| Category | Banking |
| Level / State | State · Uttarakhand |
| Official portal | ukbvvn.org.in (link at the end of this page) |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Offline |
| Last date | Ongoing (no last date notified) |
| Family income limit | Up to Rs. 2 lakh per year |
| Age | 18 to 50 years |
Who can apply (quick check)
- 👤Female / Male
- 🎂Age 18 to 50 years
- 🏷️OBC / General / PVTG
- 💰Income Rs. 2 lakh tak
- ♿Divyang (PwD)
- ♿40%+ disability
- 📝Offline
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
Term Loan Scheme:
- Project Cost: Rs. 75,000/-
- Grant: 20% or Rs. 10,000/-, whichever is less
- Term Loan: Rs. 65,000/- at 6% annual interest rate
Shop Construction Scheme:
- Project Cost: Rs. 50,000/-
- Grant: 20% or Rs. 10,000/-, whichever is less
- Margin Money Loan: Rs. 40,000/- at 4% annual interest rate, repayable in 60 monthly installments
Margin Money Loan Scheme for Bank Supported Loan:
- Project Cost: Up to Rs. 2,00,000/-
- Grant: 20%, maximum of Rs. 10,000/-
- Margin Money: 25% of the project cost at 4% annual interest rate, repayable in 36 monthly installments
Who qualifies
- The applicant must be a permanent resident of Uttarakhand.
- The applicant must possess a minimum of 40% disability.
- The applicant’s annual family income must not exceed Rs. 2,00,000 in urban areas and Rs. 1,60,000/- in rural areas.
- The applicant’s age must be between 18 and 50 years.
Papers to keep ready
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Registration walkthrough
Offline
Application Process:
Step 1: The interested applicant downloads the application form https://jankalyanfile.rajasthan.gov.in//Content/UploadFolder/OrderEntry/ICOM/2025/Guidelines/O_030325_26f50adb-f7b4-4eb5-b94d-1e5e45451a85.pdffrom the official website.
Step 2: In the application form, fill in all the mandatory fields and attach copies of all the mandatory documents (self-attested, if required).
Step 3: Submit the duly filled and signed application form along with the documents to the office of the Vikas Khand (Block Development) Office.
Selection Process:
Step 1: The application will be forwarded to the District Social Welfare Officer.
Step 2: A District-Level Committee, headed by the District Social Welfare Officer, will review the proposals and select beneficiaries.
Frequently asked questions
Who can apply under this scheme?
Any Uttarakhand resident with at least 40% disability and within the age and income limits.
What is the income limit for applicants?
Rs. 2,00,000 per year for urban residents and Rs. 1,60,000 for rural residents.
How much grant is provided?
Up to Rs. 10,000, depending on project cost and scheme type.
What is the interest rate on loans?
6% for term loans and 4% for margin money loans.
Can a person with UDID card apply?
Yes, the UDID card is valid proof of disability for this scheme.
Do I need a business plan?
Yes, a project proposal or cost estimate must be submitted.
Can I apply online?
No, the process is offline for the application.
Where do I apply for the scheme?
At your local Development Block Office in Uttarakhand.
Who selects the beneficiaries?
A district-level committee headed by the District Social Welfare Officer.
How do I know my application status?
Contact the Development Block or the District Social Welfare Office.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines (Page No. 34) uk.gov.in (PDF)
- Official Website www.ukbvvn.org.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
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