The Jeevan Jyoti Swaniyojan Yojana is a major initiative by the Government of Assam aimed at providing self-employment opportunities to the educated unemployed youth in the state. This scheme is part of the broader efforts to reduce unemployment and promote economic development by encouraging entrepreneurship and small business ventures among the youth. Launched with the goal of enhancing financial stability and economic growth, the scheme provides access to institutional credit and necessary training across various sectors, including agriculture, horticulture, fisheries, handloom, textiles, and more.
The scheme’s inception was driven by the need to address the rising unemployment rates and to harness the potential of educated youth by providing them with the necessary support to start their own businesses. The government’s commitment to fostering entrepreneurship is reflected in the comprehensive support system that includes financial assistance, skill development, and infrastructural support, ensuring that the beneficiaries are well-equipped to succeed in their ventures.
| Feature | Description |
|---|---|
| Name of the Yojana | Chief Minister’s Jeevan Jyoti Swaniyojan Yojana |
| State | Assam |
| Initiated By | Assam State Government |
| Yojana Overview | Aimed at providing self-employment opportunities to educated unemployed youth in Assam through financial assistance and support in various sectors such as agriculture, fisheries, handloom, and small industries. |
| Beneficiaries | Educated unemployed youth aged 18-37 years from Assam |
| Registration Process | Offline mode only |
| Official Website | SIRD Assam PDF |
Table of Contents
Objectives of Jeevan Jyoti Swaniyojan Yojana
The primary goal of the Jeevan Jyoti Swaniyojan Yojana is to provide self-employment opportunities to the educated unemployed youth in Assam. The scheme aims to achieve this through the following objectives:
- Empowerment of Youth: By providing access to institutional credit and financial subsidies, the scheme empowers the youth to start their own businesses and become self-reliant.
- Financial Stability: The scheme aims to enhance the financial stability of the beneficiaries by supporting their entrepreneurial ventures, thereby reducing unemployment and dependency on government jobs.
- Skill Development: Through training programs and skill upgradation initiatives, the scheme ensures that the youth are equipped with the necessary skills to succeed in their chosen fields.
- Economic Growth: By promoting entrepreneurship and small businesses, the scheme contributes to the overall economic development of the state.
- Diversification of Employment: The scheme encourages employment in diverse sectors, including agriculture, horticulture, fisheries, handloom, textiles, and small industries, ensuring a balanced economic growth.
Eligibility Criteria
To be eligible for the Jeevan Jyoti Swaniyojan Yojana, applicants must meet the following criteria:
- Age: Applicants must be within the age group of 18 to 37 years.
- Education: The minimum educational qualification required is completion up to the 10th standard. However, for women involved in handloom and sericulture activities, the minimum educational qualification is relaxed up to Class V. For male youth engaged in agricultural practices and animal husbandry, the educational qualification is relaxable up to Class VII.
- Group Approach: The scheme is primarily implemented through a group approach, requiring a minimum of four members to form a Joint Liability Swabalambi Group. However, individual applicants and two-member joint accounts are also considered for certain activities like computer training units and DTP centers.
Registration Process
The registration process for the Jeevan Jyoti Swaniyojan Yojana is conducted offline. Here’s a detailed step-by-step guide:
- Application Submission: Applicants must submit their applications to the State Institute of Panchayat Development (SIPRD) Assam, the implementing agency.
- Selection Committee: The selection of eligible youth is done through a block-level selection committee. This committee includes the Block Development Officer, the President of Gaon Panchayat/Village Development Council (VDC), the bank branch manager, and a representative of the State Institute of Rural Development (SIRD), Assam.
- Verification: In semi-urban and urban areas, the selection is finalized by the bank, the field office of SIRD, and the Joint Director of SIRD after field verification.
- Financial Assistance: Based on the creditworthiness and the situation of the group members, financial assistance is provided through institutional credit up to Rs. 6.00 lakhs.
Benefits of Jeevan Jyoti Swaniyojan Yojana
The Jeevan Jyoti Swaniyojan Yojana offers several benefits to the beneficiaries:
- Self-Employment: The scheme provides avenues for self-employment to the educated unemployed youth in Assam, enabling them to start their own businesses.
- Institutional Credit: Beneficiaries can access institutional credit from nationalized banks, financial institutions, or organizations to support their entrepreneurial ventures.
- Diversified Sectors: The scheme covers a wide range of sectors, offering employment opportunities in agriculture, horticulture, fisheries, handloom, textiles, poultry farming, and more.
- Financial Support: The state government provides financial support for training, skill upgradation, technology adoption, market promotion, infrastructure support, and the management of economic infrastructure.
- Margin Money/Subsidy: The government provides margin money/subsidy on a 50% basis of the project cost against the sanctioned loan, with a maximum subsidy of Rs. 1.60 lakhs for a joint liability group of a minimum of four members.
Required Documents
Applicants must submit the following documents when applying for the Jeevan Jyoti Swaniyojan Yojana:
- Age Proof: School certificate or HSLC admit card.
- Educational Qualification Certificate: Relevant educational certificates.
- Permanent Resident Certificate (PRC): PRC from Gaon Burah for village areas.
- Bank Account Photocopy: Copy of the applicant’s bank account details.
- Annual Income Certificate: Certificate from Mouzadar or Circle Officer indicating that the annual income does not exceed Rs. 25,000.
- Passport Size Photographs: Two copies of recent passport-size photographs.
- GMC Householding Certificate: For applicants from Kamrup Metro Area.
Features of this Yojana
The Jeevan Jyoti Swaniyojan Yojana includes several features designed to support the youth in starting and sustaining their entrepreneurial ventures:
- Training and Skill Upgradation: The scheme includes provisions for comprehensive training programs to enhance the skills of the beneficiaries.
- Technology Adoption: Beneficiaries are encouraged to adopt modern technologies to improve the efficiency and productivity of their ventures.
- Market Promotion: The scheme provides support for market promotion activities to help beneficiaries reach wider markets and enhance their sales.
- Infrastructure Support: Financial assistance is provided for the creation and management of necessary economic infrastructure.
- Management Support: Continuous management support and guidance are provided to ensure the success and sustainability of the ventures started under the scheme.
