Business, & agriculture finance

Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)

Interest and collateral benefitInterest-free and collateral-free loan benefit as described by the scheme page; Bank of Baroda lists fees as nil.Customer typeEligible micro, small and medium enterprises CollateralThe official benefits section describes the loan as collateral free. Specific documentation or guarantees beyond that headline are not itemized on the page.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Scheme purposeState-supported self-employment finance for educated and trained youth in Uttar Pradesh to establish new micro-enterprises, with a target of funding 1 lakh youth annually and 10 lakh over 10 years.View source

The official purpose section states the Uttar Pradesh self-employment objective and funding targets.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Purpose
Accessed: 23 Aug 2026
Confidence: high

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Applicant eligibilityUttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except PM SVANidhi).View source

The official criteria publish residence, age, education, training and prior-subsidy rules.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Eligibility Criteria
Accessed: 23 Aug 2026
Confidence: high

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Phase-wise loan supportPhase I: up to ₹4.50 lakh. Phase II: twice the Phase I loan or up to ₹7.50 lakh, whichever is lower.View source

The official benefits section publishes the two phase limits.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Benefits
Accessed: 23 Aug 2026
Confidence: high

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Composite loan structureComposite loan with at least 10% of project cost provided as term loan.View source

The official features section states the composite-loan nature and term-loan minimum.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Features
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Upfront project margin15% for General category, 12.5% for OBC and 10% for SC/ST/Divyangjan; 10% applies irrespective of category in economically backward areas and aspiration districts.View source

The official margin table publishes category-wise upfront project-cost contributions.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Features — Margin
Accessed: 23 Aug 2026
Confidence: high

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Margin-money subsidy10% of total project cost, on an eligible project cost up to ₹5 lakh, paid as a back-ended margin-money subsidy.View source

The official page states the 10% back-ended subsidy and ₹5 lakh eligible-cost ceiling.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Features — Margin Money Subsidy
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Interest and collateral benefitInterest-free and collateral-free loan benefit as described by the scheme page; Bank of Baroda lists fees as nil.View source

The official benefits headline says interest and collateral free; the fee section says Nil.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Benefits / Fees & Charges
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Turnover / business requirementThe scheme targets new micro-enterprises established by trained, educated Uttar Pradesh youth. The page publishes no turnover, income or business-vintage threshold; applicants must meet the stated residence, age, education, training and prior-subsidy conditions.View source

The page describes new micro-enterprises and publishes no turnover or vintage number.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Purpose; Eligibility Criteria; Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Repayment tenureThe reviewed CM-YUVA page does not publish a repayment period or moratorium. Confirm the repayment schedule in the sanction documents or with Bank of Baroda before applying.View source

Purpose, benefits, features, eligibility, document and fee sections contain no repayment-tenor number.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CollateralThe official benefits section describes the loan as collateral free. Specific documentation or guarantees beyond that headline are not itemized on the page.View source

The benefits headline states Interest and Collateral Free Loan.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Benefits; Complete page reviewed
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeNil.View source

The official Fees & Charges section states Nil.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Fees & Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Required documentsAs per existing Bank guidelines; the CM-YUVA page does not publish an itemized scheme-specific checklist.View source

The official Document Required section says As per existing guidelines of Bank.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)
Page / section: Document Required
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsUttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except PM SVANidhi).View source

The manually reviewed product record states: “Uttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except SVANidhi).”.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA) — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Customer typeEligible micro, small and medium enterprisesView source

The manually reviewed product record states: “Eligible micro, small and medium enterprises”.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA) — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

State-supported self-employment finance for educated and trained youth in Uttar Pradesh to establish new micro-enterprises, with a target of funding 1 lakh youth annually and 10 lakh over 10 years.

Eligibility

Uttar Pradesh resident aged 21–40, at least eighth-standard pass, trained under an eligible government skill/training programme or holding a government-approved skill qualification, and not previously benefiting from central/state interest or capital subsidy (except SVANidhi).

Passing a listed condition does not mean the bank will approve an application.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Term

State · Published detailUttar Pradesh

This value is copied from CM-YUVA — complete published terms. Check the table notes before relying on it.

Source: Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA) · Purpose; Benefits; Features; Eligibility; Documents; Fees & Charges Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 22 rows · 2 columnsCM-YUVA — complete published termsStructured capture of the official CM-YUVA purpose, phase limits, composite facility, margins, subsidy, eligibility, fee, collateral and verified absent-field details.View tableHide table

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CM-YUVA — complete published terms
Term	Published detail
State	Uttar Pradesh
Purpose	Link educated and trained youth to self-employment by establishing new enterprises
Scheme target	Fund 1 lakh youth each year; promote 10 lakh youth over 10 years
Phase I	Loan up to ₹4.50 lakh
Phase II	Twice Phase-I loan or maximum ₹7.50 lakh
Facility	Composite loan; at least 10% of project cost as term loan
General-category margin	15% of total project cost, paid upfront
OBC margin	12.50% of total project cost, paid upfront
SC/ST/Divyangjan margin	10% of total project cost, paid upfront
Backward/aspiration district margin	10% irrespective of category
Margin-money subsidy	10% of total project cost; eligible project cost up to ₹5 lakh; back-ended
Interest	Interest free loan as stated in benefits
Collateral	Collateral free loan as stated in benefits
Eligible resident	Resident of Uttar Pradesh
Age	21 to 40 years
Education	Minimum eighth standard; preference to intermediate or equivalent
Training/qualification	Eligible government training programme or certificate/diploma/degree from government-approved institution
Prior subsidy	Must not have received central/state interest or capital subsidy, except SVANidhi
Processing fee	Nil
Documents	As per existing Bank guidelines; no itemized scheme-specific checklist published
Repayment tenure	Not published on the reviewed product page
Turnover/vintage	No numeric threshold published

Phase-II wording is twice the loan availed under Phase-I or maximum ₹7.50 lakh.
The page uses 'interest and collateral free' as the scheme benefit; sanction documentation controls implementation details.
The linked Uttar Pradesh department site is provided for further scheme information.

Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA) · Purpose; Benefits; Features; Eligibility; Documents; Fees & Charges · accessed 30 Aug 2026Open official source ↗

Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA)

What the official sources publish

Benefits and features

Eligibility

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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