CM Yuva Udyami Vikas Abhiyan 2025: ₹5 Lakh Loan Without Interest or Guarantee
The Uttar Pradesh government, under the leadership of CM Yogi Adityanath, has launched the Chief Minister Yuva Udyami Vikas Abhiyan 2025—a groundbreaking initiative to support youth entrepreneurship by providing interest-free and collateral-free loans.
Through this scheme, youth between 21 to 40 years with a minimum qualification of 8th pass can avail loans starting at ₹5 lakh in the first phase, with further financial support available in subsequent phases.
✅ Key Benefits of the Scheme
- ₹5 lakh loan without interest and without any guarantee
- ₹1 lakh additional loan in the second phase upon repayment
- 10% margin money grant on project cost
- No need for GST registration or Udyam certificate
- Target of 1 lakh new startups per year in Uttar Pradesh
- Skill certificate required, not business experience
- Approved by top banks like SBI, ICICI, HDFC, Kotak, Axis, and more
🧾 Eligibility Criteria
- Age: 21 to 40 years
- Minimum education: 8th pass
- Must be a resident of Uttar Pradesh
- Must possess:
- Aadhaar card
- PAN card
- Skill certificate
- Residential certificate from ward councillor or village head
- Bank account in an eligible bank
- Basic documents like photo, signature, educational qualification
📝 How to Apply
- Visit the official portal (as mentioned in the video)
- Click “New Registration”
- Select CM Yuva Udyami Vikas Abhiyan
- Enter Aadhaar Number and validate via OTP
- Fill in personal details like name, mobile number, district, email
- Submit the form and proceed to login
- Fill out the complete loan application form
- Upload necessary documents and submit
🔍 How to Check Loan Form Status
To know whether your loan is approved or pending:
- Log in to the portal using your user ID and password
- Go to the “Application Status” section
- Enter your Application Number
- You’ll see step-by-step status:
- Form submitted
- Approved by DIC
- Approved by Bank
- Loan sanctioned
- Margin money deposited
If your status shows “Pending with Bank”, contact the respective bank and submit required documents.
🏦 List of Participating Banks
These banks are offering interest-free loans under the scheme:
- SBI, HDFC, ICICI, Axis, Kotak
- Punjab National Bank, Bandhan Bank
- IDBI, RBL, Ujjivan Bank, Unity Bank
- Shivalik Bank, Prathama UP Gramin Bank
- Punjab & Sind Bank, HSBC Bank, and others
📌 Important Notes
- If your form is rejected, the reason will be visible in the status section
- Make sure your documents like Aadhaar, PAN, residence certificate, and skill certificate are valid and updated
- Contact help desk numbers (shared in the video description) for support
- Regularly track your application status to avoid delays
🎯 Final Thoughts
The CM Yuva Udyami Vikas Abhiyan 2025 is a golden opportunity for the youth of Uttar Pradesh to kickstart their entrepreneurial journey without the burden of loan interest or collateral. With ₹5 lakh interest-free support, starting your dream business is now more accessible than ever.
If you’ve already applied, don’t forget to check your form status and submit any pending documents to your selected bank.
Also Read: Sambal 2.0 Yojana 2025