Sahkari Gramin Parivar Ajeevika Rin Yojana is an interest-free loan scheme implemented by the Cooperatives Department, Government of Rajasthan. Eligible rural families engaged in approved non-farm livelihood activities can avail loans ranging from Rs. 25,000 to Rs. 2,00,000 without collateral. The Rajasthan Government provides the applicable interest subsidy directly to the lending bank. Eligible applicants can apply through their nearest Gram Seva Sahkari Samiti or the Official Rajasthan SSO Portal, where available.
Rajasthan Sahkari Gramin Parivar Ajeevika Rin Yojana Highlights | |
|---|---|
| Scheme Name | Sahkari Gramin Parivar Ajeevika Rin Yojana |
| Approved | 10 October 2022 |
| Implemented From | 17 April 2023 |
| Implementing Department | Cooperatives Department, Government of Rajasthan |
| Objective | Provide interest-free loans for eligible rural non-farm livelihood activities |
| Loan Amount | Rs. 25,000 to Rs. 2,00,000 |
| Interest for Beneficiary | Nil |
| Interest Subsidy | 10.25% per annum, paid by the Rajasthan Government to the lending bank |
| Interest Subsidy Allocation | Rs. 150 crore |
| Total Loan Target | Rs. 3,000 crore |
| Target Beneficiaries | 1.5 lakh rural families |
| Processing Fee | Nil (banks may charge documentation charges as per scheme guidelines) |
| Collateral | Not required (covered under CGTMSE) |
| CGTMSE Annual Fee | 0.50%, borne by the Rajasthan Government |
| Repayment Period | 2 to 5 years (depending on the loan amount) |
| Loan Processing Target | 15 days, subject to verification and approval |
| Eligible Activities | Handicrafts, cottage industries, weaving, dyeing, printing, food processing, local shops, and other approved non-farm livelihood activities |
| Residency Requirement | Minimum 5 years in a rural area of Rajasthan |
| Jan Aadhaar Card | Mandatory |
| Lending Institutions | Cooperative Banks, Commercial Banks, Regional Rural Banks, and Small Finance Banks |
| Application Mode | Offline through Gram Seva Sahkari Samiti or online through the Rajasthan SSO Portal |
| Apply Online | Official Rajasthan SSO Portal |
| Department Portal | Cooperatives Department, Government of Rajasthan |
| Registrar Portal | Registrar of Cooperative Societies, Rajasthan |
| Helpline | 0141-2740737 |
| Phone | 0141-2740296 (Ext. 317) |
| proho.coop@rajasthan.gov.in | |
Introduction of Rajasthan Sahkari Gramin Parivar Ajeevika Rin Yojana: A Brief Insight
Many rural families in Rajasthan earn their livelihood through handicrafts, cottage industries, weaving, food processing, small shops, and other non-agricultural activities. Although these businesses have the potential to grow, arranging affordable finance has always been a major challenge. High-interest loans and the requirement of collateral often prevent rural entrepreneurs from expanding their work or starting a new livelihood activity.
To address this problem, the Government of Rajasthan announced the Sahkari Gramin Parivar Ajeevika Rin Yojana in the State Budget 2022-23. The scheme was approved on 10 October 2022 and implemented across Rajasthan from 17 April 2023. It is administered by the Cooperatives Department, Government of Rajasthan through Gram Seva Sahkari Samitis to improve livelihood opportunities for rural families engaged in eligible non-farm activities.
Under this scheme, eligible families can obtain an interest-free loan ranging from Rs. 25,000 to Rs. 2,00,000 for approved non-farm livelihood activities. Instead of charging interest to the borrower, the Rajasthan Government provides the applicable interest subsidy directly to the lending bank. Eligible loans are also covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), allowing beneficiaries to avail the loan without providing collateral.
The scheme aims to benefit around 1.5 lakh rural families with an overall loan outlay of Rs. 3,000 crore. Loans are made available through Cooperative Banks, Commercial Banks, Regional Rural Banks, and Small Finance Banks participating in the scheme. Depending on the sanctioned loan amount, beneficiaries receive a repayment period ranging from 2 to 5 years.
Permanent residents of Rajasthan who have been living in a rural area for at least 5 years and earn their livelihood through eligible non-farm activities can apply for the scheme. Small and marginal farmers engaged in non-farm work, landless labourers, tenant farmers, rural artisans, sharecroppers, and other eligible rural families may benefit, subject to the prescribed eligibility conditions. Applications can be submitted through the nearest Gram Seva Sahkari Samiti or, where available, through the Official Rajasthan SSO Portal.
Rural entrepreneurs who require a higher loan amount can also explore the Pradhan Mantri Mudra Yojana (PMMY), while educated unemployed youth may benefit from the Mukhyamantri Yuva Swarozgar Yojana. Traditional artisans can also check the Vishwakarma Yuva Udyami Protsahan Yojana for additional financial and skill development support.
For more welfare programmes related to self-employment, rural development, and financial assistance, visit our Rajasthan Government Schemes page.
Benefits Provided to Eligible Beneficiaries
Eligible rural families can avail the following benefits under the Sahkari Gramin Parivar Ajeevika Rin Yojana:
Interest-Free Loan Benefits
- Interest-free loan ranging from Rs. 25,000 to Rs. 2,00,000 per eligible family for approved non-farm livelihood activities
- The Rajasthan Government pays the entire interest subsidy of 10.25% per annum directly to the lending bank, allowing beneficiaries to repay only the principal amount
- No processing fee is charged. However, banks may collect a nominal documentation and administrative charge of up to 0.50%
- Loans are provided without collateral and are covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
- The State Government also bears the annual 0.50% CGTMSE guarantee fee, so beneficiaries do not have to pay it
Loan Amount and Repayment Period
| Loan Amount | Repayment Period |
|---|---|
| Up to Rs. 25,000 | 2 years |
| Rs. 25,001 to Rs. 1,00,000 | 3 years |
| Rs. 1,00,001 to Rs. 2,00,000 | 5 years |
Scheme Coverage
- The scheme aims to benefit around 1.5 lakh rural families across Rajasthan
- A total of Rs. 3,000 crore has been earmarked for interest-free loans
- The State Government has allocated Rs. 150 crore towards interest subsidy
- Loans are available through Commercial Banks, Regional Rural Banks, Cooperative Banks, and Small Finance Banks participating in the scheme
Eligible Non-Farm Activities
- Handicrafts and cottage industries
- Spinning, weaving, dyeing, and printing
- Local shops and other small businesses
- Food processing and related enterprises
- Eligible animal husbandry-based non-farm activities
- Other approved non-agricultural livelihood activities in rural areas
Eligibility Conditions Required to be Fulfilled
To avail an interest-free loan under the Sahkari Gramin Parivar Ajeevika Rin Yojana, applicants must satisfy the eligibility conditions prescribed by the Cooperatives Department, Government of Rajasthan.
- Must be a permanent resident of Rajasthan
- The applicant’s family must have been residing in a rural area of Rajasthan for at least 5 years
- Must earn a livelihood through eligible non-farm (non-agricultural) activities
- The family includes the applicant, spouse, dependent parents, and unmarried, divorced, widowed, or abandoned children
- Must possess a valid Jan Aadhaar Card
- Must not be a defaulter of any bank or cooperative institution
- Must not have received an interest subsidy for the same purpose under any other government scheme
Priority Given To
- Small and marginal farmers engaged in non-farm activities
- Landless labourers
- Tenant farmers, oral lessees, and sharecroppers
- Rural artisans involved in handicrafts, spinning, weaving, dyeing, printing, and other cottage industries
- Other rural residents engaged in eligible non-agricultural livelihood activities
Who Is Not Eligible
- Applicants residing in urban areas
- Applicants who have not completed 5 years of rural residence in Rajasthan
- Applicants engaged only in agricultural activities
- Applicants who are defaulters of any bank or cooperative institution
- Applicants who have already received an interest subsidy for the same purpose under any similar government scheme
Documents Required to be Attached
Keep the following documents ready before applying for the Sahkari Gramin Parivar Ajeevika Rin Yojana through your nearest Gram Seva Sahkari Samiti or the SSO Portal:
- Jan Aadhaar Card
- Aadhaar Card of the applicant and eligible family members
- Mool Niwas Praman Patra showing at least 5 years of rural residence in Rajasthan
- Workplace Verification Certificate (कार्यस्थल प्रमाण पत्र)
- Affidavit (शपथ पत्र) confirming that the loan will be used only for the approved non-farm livelihood activity and that the applicant has neither defaulted on any government loan nor received interest subsidy for the same purpose under any other government scheme
- Aadhaar-linked bank account or cooperative bank account details
- Recent passport-size photographs
- Income Certificate
- Documents related to the proposed non-farm business or livelihood activity
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Eligible rural families can apply for the Sahkari Gramin Parivar Ajeevika Rin Yojana either through their nearest Gram Seva Sahkari Samiti or online using the Rajasthan SSO Portal. Keep all required documents ready before starting the application process.
Method 1: Apply Through Gram Seva Sahkari Samiti (Offline)
Step 1: Visit your nearest Gram Seva Sahkari Samiti with all the required documents, including your Jan Aadhaar Card, Aadhaar Card, Mool Niwas Praman Patra, Workplace Verification Certificate, Affidavit, income certificate, bank account details, and passport-size photographs.
Step 2: Collect the application form and fill in all the required details, such as your personal information, family details, rural residence, proposed non-farm livelihood activity, loan requirement, and bank account details.
Step 3: Submit the completed application form along with the required documents. The Gram Seva Sahkari Samiti verifies your eligibility and forwards the application to the concerned lending bank.
Step 4: The bank examines your application, verifies the submitted documents, and processes the loan under the scheme guidelines. Eligible loans are covered under the CGTMSE guarantee, so no collateral is required.
Step 5: Once the application is approved, the loan amount is credited to your bank account. The scheme aims to complete the loan processing within 15 days, subject to successful verification and approval.
Method 2: Apply Online Through Rajasthan SSO Portal
Step 1: Visit the Official Rajasthan SSO Portal. Register using your Jan Aadhaar or Aadhaar if you are a new user. Existing users can sign in with their SSO ID and password.
Step 2: After logging in, open the service for the Sahkari Gramin Parivar Ajeevika Rin Yojana, if available, and begin the online application.
Step 3: Enter all the required information, including your personal details, family details, Jan Aadhaar number, rural residence details, proposed non-farm activity, loan amount, and bank account information.
Step 4: Upload clear scanned copies of all the required documents and verify that the information entered is correct.
Step 5: Submit the application and save the acknowledgement or reference number for future tracking.
Step 6: The concerned bank verifies your application and processes the loan under the scheme. If approved, the loan amount is credited to your bank account as per the prescribed procedure.
If you need any assistance regarding the scheme or the application process, visit your nearest Gram Seva Sahkari Samiti or contact the Registrar, Cooperative Societies, Rajasthan, through the official helpline or email.
Non-Farm Activities Covered Under This Scheme
The Sahkari Gramin Parivar Ajeevika Rin Yojana supports eligible non-farm livelihood activities carried out in rural areas of Rajasthan. The following are examples of businesses and occupations that may qualify under the scheme, subject to the applicable guidelines and approval by the lending institution.
| Category | Illustrative Activities |
|---|---|
| Textile and Handloom | Spinning, weaving, dyeing, printing, Bandhej work, embroidery, and tailoring units |
| Handicrafts and Cottage Industries | Pottery, wood carving, leather craft, stone carving, bamboo craft, block printing, and other traditional handicrafts |
| Retail and Small Businesses | Kirana shops, general stores, fruit and vegetable shops, and other small rural retail businesses |
| Food Processing | Papad making, pickle manufacturing, flour mills, spice grinding, and similar food processing activities |
| Service-Based Businesses | Tailoring, repair workshops, mobile repair, cycle repair, welding, barber shops, and similar rural services |
| Animal Husbandry-Based Non-Farm Activities | Dairy product processing, wool processing, leather processing, and other approved value-added non-farm activities |
| Other Eligible Activities | Any other approved non-agricultural livelihood activity undertaken in rural Rajasthan |
Note: The scheme does not cover agricultural activities such as crop cultivation, purchase of seeds or fertilisers, or procurement of farm machinery. Applicants must use the loan only for the approved non-farm livelihood activity mentioned in their application. The concerned authorities may also require supporting documents, including a Workplace Verification Certificate and an Affidavit, during the application process.
Important Links Available
- Apply Online Through the Rajasthan SSO Portal
- Registrar of Cooperative Societies, Rajasthan
- Cooperatives Department, Government of Rajasthan
- Rajasthan Sahkari Gramin Parivar Ajeevika Rin Yojana Guidelines.
Contact Details in Case of Help Needed
- Department: Cooperatives Department, Government of Rajasthan
- Office: Registrar, Cooperative Societies
- Address: Nehru Sahkar Bhawan, Bhawani Singh Road, Jaipur, Rajasthan – 302005
- Helpline: 0141-2740737
- Phone: 0141-2740296 (Ext. 317)
- Email: proho.coop@rajasthan.gov.in
- Local Assistance: Visit your nearest Gram Seva Sahkari Samiti for application support, document verification, and guidance regarding the loan process.
Frequently Asked Questions (FAQs)
Q. What is Sahkari Gramin Parivar Ajeevika Rin Yojana?
Ans. Sahkari Gramin Parivar Ajeevika Rin Yojana is an interest-free loan scheme launched by the Cooperatives Department, Government of Rajasthan. It provides eligible rural families with loans ranging from Rs. 25,000 to Rs. 2,00,000 for approved non-farm livelihood activities. The Rajasthan Government pays the interest subsidy directly to the lending bank.
Q. How much loan can I get under this scheme?
Ans. Eligible beneficiaries can avail an interest-free loan ranging from Rs. 25,000 to Rs. 2,00,000. The repayment period is 2 years for loans up to Rs. 25,000, 3 years for loans from Rs. 25,001 to Rs. 1,00,000, and 5 years for loans from Rs. 1,00,001 to Rs. 2,00,000.
Q. Do beneficiaries have to pay any interest?
Ans. No. Beneficiaries repay only the principal amount. The Rajasthan Government provides the applicable interest subsidy directly to the lending bank.
Q. Who can apply for this scheme?
Ans. Permanent residents of Rajasthan who have been living in a rural area for at least 5 years and are engaged in eligible non-farm livelihood activities can apply, subject to the scheme guidelines.
Q. Is Jan Aadhaar Card mandatory?
Ans. Yes. A valid Jan Aadhaar Card is mandatory for applying under the scheme.
Q. Is collateral required to obtain the loan?
Ans. No. Eligible loans are collateral-free and are covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).
Q. Is there any processing fee?
Ans. No processing fee is charged under the scheme. However, banks may collect a nominal documentation and administrative charge of up to 0.50%.
Q. Which livelihood activities are covered?
Ans. The scheme supports approved non-farm livelihood activities such as handicrafts, cottage industries, spinning, weaving, dyeing, printing, food processing, local shops, and other eligible non-agricultural businesses.
Q. How can I apply?
Ans. You can apply through your nearest Gram Seva Sahkari Samiti or online through the official Rajasthan SSO Portal, if the service is available.
Q. How long does the loan process take?
Ans. The scheme aims to complete loan processing within 15 days, subject to document verification and approval by the concerned bank.
Q. Which documents are required?
Ans. Applicants generally need a Jan Aadhaar Card, Aadhaar Card, Mool Niwas Praman Patra, Workplace Verification Certificate, Affidavit, Income Certificate, Aadhaar-linked bank account details, passport-size photographs, and documents related to the proposed non-farm activity.
Q. What is the target coverage of this scheme?
Ans. The Rajasthan Government aims to provide interest-free loans to around 1.5 lakh rural families with a total loan outlay of Rs. 3,000 crore.
Q. Can farmers apply for this scheme?
Ans. Yes, provided they undertake an eligible non-farm livelihood activity. The scheme does not provide loans for agricultural activities alone.
Q. Where can I get help?
Ans. You can visit your nearest Gram Seva Sahkari Samiti or contact the Registrar, Cooperative Societies, Rajasthan through the official helpline 0141-2740737 or email proho.coop@rajasthan.gov.in. Additional information is also available on the Registrar of Cooperative Societies, Rajasthan, website.
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.