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📰 Bihar Welfare Schemes & Planning (Dec 2024 - Aug 2026) Chapter 3: Flagship Schemes, Saat Nishchay-2/3, Social Security & Empowerment

Mod 2: Mukhyamantri Laghu Udyami Yojana & Integrated Udyami Ecosystem

📖 Chapter 3 of 8 🧩 Module 2 of 14 ⏱️ ~2 min read 💡 10 MCQs
Topic Part 1 of 2

Livelihood Capital for the Bottom 34%:

Following the Caste-Based Economic Survey findings revealing that approximately 94 lakh households survive on a monthly income under ₹6,000, the state government rolled out the Mukhyamantri Laghu Udyami Yojana (BMLUY) with a multi-year budget outlay exceeding ₹1,000 crore annually. The scheme provides a 100% non-repayable grant of ₹2,00,000 (₹2 lakh) per family across three distinct tranches: 25% (₹50,000) for preliminary setup, 50% (₹1,00,000) for procuring machinery/equipment, and 25% (₹50,000) for working capital upon verified utilization.


Mukhyamantri Udyami Yojana (Flagship ₹10 Lakh Model):

  • Coverage Categories: SC/ST Udyami, EBC Udyami, Mahila Udyami, and Yuva Udyami (General/BC).
  • Financial Structure: ₹10 lakh total package composed of 50% capital subsidy/grant (₹5 lakh) and 50% loan (₹5 lakh).
  • Interest Concessions: 0% interest for Women, SC, ST, and EBC entrepreneurs; nominal 1% simple interest for general/BC young males.
  • Transparent Selection: Purely computerized computerized lottery algorithms ensuring zero discretionary intervention.

Exam View: Key Takeaways for Competitive Examinations:

  • Laghu Udyami Grant: ₹2 lakh (No repayment, 3 installments: 25%-50%-25%).
  • Income Cap for Laghu Udyami: Monthly household income strictly below ₹6,000.
  • Flagship Udyami Package: ₹10 lakh (₹5L subsidy + ₹5L loan over 84 EMIs).
  • Interest Rate for Women: 0% interest under Mukhyamantri Mahila Udyami Yojana.
⭐ Key Points
  • Laghu Udyami Grant: ₹2 lakh (No repayment, 3 installments: 25%-50%-25%).
  • Income Cap for Laghu Udyami: Monthly household income strictly below ₹6,000.
  • Flagship Udyami Package: ₹10 lakh (₹5L subsidy + ₹5L loan over 84 EMIs).
  • Interest Rate for Women: 0% interest under Mukhyamantri Mahila Udyami Yojana.
📌 One-line Q&A
  • Laghu Udyami Grant: ₹2 lakh (No repayment, 3 installments: 25%-50%-25%).
  • Income Cap for Laghu Udyami: Monthly household income strictly below ₹6,000.
  • Flagship Udyami Package: ₹10 lakh (₹5L subsidy + ₹5L loan over 84 EMIs).
  • Interest Rate for Women: 0% interest under Mukhyamantri Mahila Udyami Yojana.
Questions 10 MCQs

Answer this question, then use Next.

Under the Mukhyamantri Laghu Udyami Yojana, what total grant is provided to selected low-income families?

The scheme provides a 100% non-repayable grant of ₹2 lakh across three installments.

What is the monthly family income cap to be eligible for the Mukhyamantri Laghu Udyami Yojana?

Eligibility requires an official family monthly income under ₹6,000 (~₹72,000 annually).

How is the ₹2 lakh financial grant staggered across installments under the Laghu Udyami Yojana?

Tranches are: 1st (25% = ₹50k), 2nd (50% = ₹1 lakh for machinery), and 3rd (25% = ₹50k working capital).

What is the total project financial assistance provided under the flagship Mukhyamantri Udyami Yojana?

The flagship Udyami scheme grants ₹10 lakh: ₹5 lakh as direct subsidy and ₹5 lakh as a loan.

What is the rate of interest on the loan component for women entrepreneurs under Mukhyamantri Mahila Udyami Yojana?

The loan amount is completely interest-free (0%) for all women beneficiaries.

What interest rate is charged on the ₹5 lakh loan for male beneficiaries under the Mukhyamantri Yuva Udyami Yojana?

General and BC male beneficiaries pay a nominal simple interest rate of 1%.

In how many monthly installments is the loan repaid under Mukhyamantri Udyami Yojana?

Repayment of the ₹5 lakh loan is spread across 84 monthly installments over seven years.

How many project trades/sectors are approved under the Mukhyamantri Laghu Udyami Yojana?

The Industries Department designated 63 commercial and manufacturing trades.

Which department serves as the nodal administrative agency executing both Udyami and Laghu Udyami schemes?

The Department of Industries, Government of Bihar, administers and monitors both schemes.

Can a single family beneficiary avail both Mukhyamantri Udyami Yojana (₹10 lakh) and Laghu Udyami Yojana (₹2 lakh)?

To prevent overlap and ensure broad social saturation, beneficiaries of the ₹10L scheme cannot apply for the ₹2L grant.
Question 1 of 10

One-liners

Write your answer, then submit to see the correct answer.

Laghu Udyami Grant: ₹______

Income Cap for Laghu Udyami: ______

Monthly household income strictly below ₹6,000.

Flagship Udyami Package: ₹______

Interest Rate for Women: ______

0% interest under Mukhyamantri Mahila Udyami Yojana.