Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana is an agricultural credit scheme by the Cooperative Department, Government of Uttarakhand that provides interest-free loans up to Rs. 1 lakh for crop cultivation and up to Rs. 3 lakh for agri-allied activities to small and marginal farmers through cooperative societies. Self-help groups can avail interest-free loans up to Rs. 5 lakh. Visit cooperative.uk.gov.in for more details.
Uttarakhand Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana Highlights | |
|---|---|
| Scheme Name | Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana (DDUSKY) |
| Nodal Department | Cooperative Department, Government of Uttarakhand |
| Target Beneficiaries | Small and marginal farmers, BPL families, SHG members, border area residents |
| Loan for Agricultural Work | Up to Rs. 1 lakh interest-free – repayment within 1 year |
| Loan for Agri-Allied Activities | Up to Rs. 3 lakh interest-free – repayment within 3 years |
| Loan for Self-Help Groups | Up to Rs. 5 lakh interest-free group loan |
| Small Farmer Definition | Up to 5 acres of unirrigated or 2.50 acres of irrigated land |
| Marginal Farmer Definition | Up to 2.50 acres of unirrigated or 1.25 acres of irrigated land |
| Family Limit | One member per family only |
| Guarantors Required | 2 guarantors with movable or immovable property details |
| Crop Insurance | Mandatory under the PM Fasal Bima Yojana after loan disbursement |
| Application Mode | Offline – through cooperative society or District Cooperative Bank branch |
| Official Portal | cooperative.uk.gov.in |
Introduction of Uttarakhand Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana: A Brief Insight
Small and marginal farmers in Uttarakhand’s hilly regions often turn to private moneylenders when they need money for seeds, fertilisers, or livestock. These loans come at high interest rates and push families deeper into debt. To give farmers access to affordable institutional credit and reduce their dependence on moneylenders, the Government of Uttarakhand launched the Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana through the Cooperative Department.
The scheme was announced on Uttarakhand’s 18th Foundation Day by then Chief Minister Trivendra Singh Rawat. The Cooperative Department, Government of Uttarakhand implements the scheme through a network of Primary Agricultural Credit Societies (PACS) and District Cooperative Banks across the state. The objective is clear – check rural migration, create self-employment opportunities, and improve the livelihoods of farmers in hilly and border areas.
Under the scheme, eligible small and marginal farmers receive interest-free loans up to Rs. 1 lakh for crop cultivation with a repayment period of 1 year. For agri-allied activities like dairy farming, poultry, fisheries, organic farming, agri-processing, and poly-house construction, farmers can get interest-free loans up to Rs. 3 lakh with a repayment period of 3 years. Self-help groups associated with cooperative societies can avail group loans up to Rs. 5 lakh interest-free.
Only one member per family can avail this benefit. The applicant must be a member of a cooperative society or become a nominal member of the District Cooperative Bank. The block-level committee selects beneficiaries after verifying applications submitted at the cooperative society or bank branch. After receiving the loan, crop insurance under the Pradhan Mantri Fasal Bima Yojana is mandatory for notified crops.
Farmers in Uttarakhand who also want to know about subsidised fodder support for their livestock can explore the Mukhyamantri Ghasyari Kalyan Yojana, which provides subsidised silage and Total Mixed Ration at approximately Rs. 2.75 per kg through cooperative centres across hilly villages. Farmers who want central government crop protection support can also check the Pradhan Mantri Fasal Bima Yojana, which provides financial protection against crop losses due to natural calamities, pests, and diseases.
Farmers and rural households in Uttarakhand looking for more welfare and livelihood schemes can explore all available programmes on our Uttarakhand Government Welfare Schemes List page.
Benefits Provided to Eligible Beneficiaries
The Cooperative Department, Government of Uttarakhand, provides the following loan benefits to eligible small and marginal farmers under the Deendayal Upadhyay Sahkarita Kisan Kalyan Rin Yojana through the cooperative society network:
Loan Benefits for Individual Farmers
- Interest-free agricultural loan up to Rs. 1 lakh for crop cultivation and agricultural work – repayment within 1 year
- Interest-free loan up to Rs. 3 lakh for agri-allied activities – repayment within 3 years
- Agri-allied activities covered include animal husbandry, dairy farming, poultry, fisheries, herbs and spices cultivation, mushroom production, floriculture, agri-processing, agri-mechanisation, organic farming, off-season vegetable cultivation, and poly-house construction
Loan Benefits for Self-Help Groups (SHGs)
- Interest-free loan up to Rs. 5 lakh provided to Self Help Groups – loan given to the group, not to individual members
- The group must submit a project report for loans above Rs. 5 lakh
- SHG must have a bank account in a cooperative bank
Additional Benefits
- Soil Health Card provided to farmers to check soil condition and use appropriate seeds, fertilisers, and pesticides
- Fertiliser subsidy is deposited directly into the farmer’s bank account through Direct Benefit Transfer (DBT)
- Uttarakhand is the 5th state in India to implement DBT for fertiliser subsidy under a centrally funded initiative
Eligibility Conditions Required to be Fulfilled
The Cooperative Department, Government of Uttarakhand, has defined the following eligibility conditions for the Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana. Farmers must fulfil all applicable conditions before applying at their nearest cooperative society or bank branch:
- The applicant must be a permanent resident of Uttarakhand
- The applicant must be a member of a cooperative society or a savings account holder in a District Cooperative Bank
- Small farmers with up to 5 acres of unirrigated land or up to 2.50 acres of irrigated land are eligible
- Marginal farmers with up to 2.50 acres of unirrigated land or up to 1.25 acres of irrigated land are eligible
- BPL (Below Poverty Line) families and their family members are eligible
- Members of Self Help Groups (SHGs) associated with cooperative societies are eligible
- People living in the border areas of Uttarakhand are also eligible
- Only one member per family can avail the benefit of this scheme
- The applicant must provide details of 2 guarantors with their movable or immovable property information
- No income limit is currently defined for eligibility under the scheme
Who Is Not Eligible
- Cooperative society defaulters – farmers who have outstanding unpaid dues to the cooperative society
- Large landholding farmers who do not fall under the small or marginal farmer category
- Non-residents of Uttarakhand
- Families where one member has already availed the benefit under this scheme
Documents Required to be Attached
Farmers must submit the following documents along with the application form at their nearest cooperative society or bank branch to apply for a loan under Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana. Exact requirements may vary depending on the loan category and cooperative institution:
- Passport size photograph of the applicant
- Aadhaar Card of the applicant
- PAN Card of the applicant
- Annual income and expense statement
- Details of any existing loans taken from other sources
- Movable and immovable property details, including land and savings
- Land-related proof – Khatoni, Kisan Card, and savings account details
- Bank passbook with account number and IFSC code
- Residence certificate confirming Uttarakhand residency
- Cooperative society membership details
- Mobile number registered with Aadhaar
- Project report (mandatory for loans above Rs. 3 lakh and for SHG loans up to Rs. 5 lakh)
- Details of 2 guarantors with their movable and immovable property information
Important: After receiving the loan, farmers must get crop insurance done for notified crops under the Pradhan Mantri Fasal Bima Yojana through the cooperative bank. This is mandatory under the scheme conditions.
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana does not have a dedicated online application portal. Farmers apply for the loan through their nearest cooperative society or District Cooperative Bank branch. The block-level committee selects beneficiaries after verification. Before applying, farmers must become a member of the cooperative society or a nominal member of the bank. Carry all required documents, including land records, Aadhaar card, and guarantor details, before visiting the society office.
Step 1: Visit your nearest Primary Agricultural Credit Society (PACS), cooperative society, or District Cooperative Bank branch in your area. Inform the officials that you want to apply for a loan under the Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana.
Step 2: Collect the application form from the cooperative society or bank branch. Fill in all details carefully, including your personal information, land holding details, annual income and expenses, and details of any existing loans from other sources.
Step 3: Attach all required documents with the application form – Aadhaar card, PAN card, photograph, residence certificate, Khatoni, Kisan Card, bank passbook, and movable and immovable property details. For loans above Rs. 3 lakh, attach a project report describing the agri-allied activity for which the loan is required.
Step 4: Provide details of 2 guarantors with their movable and immovable property information. The cooperative society verifies the guarantor details as part of the loan approval process.
Step 5: Submit the completed application form along with all documents to the cooperative society or bank branch. The society forwards your application to the block-level Vikas Khand committee for beneficiary selection.
Step 6: The block-level committee reviews and selects eligible beneficiaries. After selection, the cooperative society processes your loan and disburses the approved amount through the cooperative banking system directly into your bank account.
Step 7: After receiving the loan, get crop insurance done for notified crops under the Pradhan Mantri Fasal Bima Yojana through the cooperative bank. This is mandatory under the scheme conditions. Repay the short-term crop loan of Rs. 1 lakh within 1 year and the medium-term loan of Rs. 3 lakh within 3 years from the date of disbursement to avoid penalty charges.
Important: The annual loan distribution target is fixed every financial year based on the approved budget. If a farmer does not receive a loan in the current year, the department accepts the pre-submitted application for the next financial year. Submit your application early to ensure timely processing within the current year’s budget allocation. For any assistance, visit the Cooperative Department, Uttarakhand official portal or contact your nearest District Cooperative Bank.
Important Links Available
- Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana Official Page
- Cooperative Department, Government of Uttarakhand Official Portal
- State Government Schemes – Cooperative Department Uttarakhand
Contact Details in Case of Help Needed
- Office: Office of the Registrar, Cooperative Societies, Cooperative Department, Government of Uttarakhand, Dehradun, Uttarakhand
Important: For loan-related queries, application assistance, and district-wise cooperative society contact details, visit cooperative.uk.gov.in or contact your nearest Primary Agricultural Credit Society (PACS) or District Cooperative Bank branch directly.
Frequently Asked Questions (FAQs)
Q. What is Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana?
Ans. Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana is a state-level agricultural credit scheme launched by the Cooperative Department, Government of Uttarakhand. It provides interest-free loans up to Rs. 1 lakh for crop cultivation and up to Rs. 3 lakh for agri-allied activities to small and marginal farmers through the cooperative society network. The scheme aims to reduce dependence on private moneylenders, check rural migration, and improve farmers’ livelihoods.
Q. Who can apply under this scheme?
Ans. Small and marginal farmers who are permanent residents of Uttarakhand and members of a cooperative society or District Cooperative Bank can apply. BPL families, SHG members, and people living in the border areas of Uttarakhand are also eligible. Only one member per family can avail the benefit.
Q. Is the loan interest-free under this scheme?
Ans. Yes. The Cooperative Department, Government of Uttarakhand, provides interest-free loans to eligible small and marginal farmers under this scheme. The government provides interest support so that beneficiaries do not bear the normal interest burden, subject to timely repayment conditions.
Q. What is the maximum loan amount under the scheme?
Ans. Individual farmers can get an interest-free loan up to Rs. 1 lakh for agricultural work with a repayment period of 1 year, and up to Rs. 3 lakh for agri-allied activities with a repayment period of 3 years. Self-help groups can get an interest-free loan of up to Rs. 5 lakh as a group loan.
Q. What activities does the scheme cover?
Ans. The scheme covers crop cultivation, animal husbandry, dairy farming, poultry, fisheries, herbs and spices cultivation, mushroom production, floriculture, agri-processing, agri-mechanisation, organic farming, off-season vegetable cultivation, and poly-house construction.
Q. Can dairy farmers apply under the scheme?
Ans. Yes. Dairy farming and animal husbandry are specifically covered under the agri-allied activities eligible for a loan up to Rs. 3 lakh under this scheme. Dairy farmers must apply through their nearest cooperative society or District Cooperative Bank branch.
Q. What are a small farmer and a marginal farmer under this scheme?
Ans. A small farmer owns up to 5 acres of unirrigated land or up to 2.50 acres of irrigated land. A marginal farmer owns up to 2.50 acres of unirrigated land or up to 1.25 acres of irrigated land.
Q. Is online registration available for this scheme?
Ans. No dedicated online application portal has been officially confirmed for this scheme. Farmers must apply offline by visiting their nearest Primary Agricultural Credit Society (PACS), cooperative society, or District Cooperative Bank branch and submitting the application form along with required documents.
Q. What is the role of cooperative societies in this scheme?
Ans. Cooperative societies and District Cooperative Banks act as the primary channel for loan processing and disbursement under this scheme. Farmers submit their applications to the cooperative society or bank branch. The block-level Vikas Khand committee selects eligible beneficiaries and the cooperative society disburses the approved loan amount.
Q. Is crop insurance mandatory after taking the loan?
Ans. Yes. After receiving the loan, farmers must get crop insurance done for notified crops under the Pradhan Mantri Fasal Bima Yojana through the cooperative bank. This is a mandatory condition under the scheme.
Q. What happens if a farmer does not repay the loan on time?
Ans. For short-term crop loans up to Rs. 1 lakh, farmers must repay within 1 year from disbursement. For medium-term loans up to Rs. 3 lakh, repayment must be completed within 3 years. Compensation charges apply after 1 year for non-payment of the short-term loan. Cooperative society defaulters are not eligible to avail the scheme benefits again.
Q. How is Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana different from Kisan Credit Card?
Ans. The Deendayal Upadhyay Sahkarita Kisan Kalyan Yojana is a state-specific scheme implemented through the cooperative sector in Uttarakhand with state government interest support. The Kisan Credit Card (KCC) is a national scheme implemented through commercial banks and regional rural banks across India. Both provide agricultural credit, but through different networks and with different eligibility and repayment structures.
Q. What should a farmer do if the loan is not sanctioned in the current year?
Ans. The annual loan distribution target is fixed based on the approved budget every financial year. If a farmer does not receive a loan in the current year, the department accepts the pre-submitted application for the next financial year. Farmers should submit their applications early to improve their chances of being covered within the current year’s budget allocation.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.