The Chief Minister’s Jeevan Jyoti Swaniyojan Yojana is a self-employment generation program initiated by the Assam Government in 2005. The program aims to provide financial assistance to educated unemployed youth in Assam, enabling them to become self-employed through various income-generating activities. The assistance is in the form of institutional credit, supported by subsidies. The Government of Assam has entrusted the State Institute of Rural Development (SIRD) with the responsibility of effectively implementing the scheme. From the study, it can be concluded that the beneficiaries have experienced positive outcomes from the scheme, possibly attributed to the effective implementation of the program. Let’s talk about the scheme in detail. 

What is Chief Minister Jeevan Jyoti Swaniyojan Yojana?

The Chief Minister Jeevan Jyoti Swaniyojan Yojana led by the Chief Minister of Assam focuses on providing self-employment opportunities to educated unemployed youth in the region. The primary objective is to generate income through institutional credit extended by nationalized banks, financial institutions, or organizations. This comprehensive scheme encompasses a wide range of employment opportunities spanning the primary, secondary, and tertiary sectors, including activities in production, processing, marketing, transportation, small businesses, small industries, and services.

Key initiatives covered under the program include the promotion of improved agricultural practices, cultivation of horticulture, floriculture, and mushrooms, development of fisheries, sericulture, handloom and textiles, poultry farming, scientific pig rearing, crossbreed milch cattle rearing, nursery raising, vermiculture, agro-clinic, integrated farming, agro-processing, food processing, the establishment of mini tea gardens, marketing extension, cultivation of herbal medicinal plants, handicrafts, rural transportation, operation of computer training and DTP centers, as well as support for small industries and businesses.

The recent study on CMJJSY reveals that the maximum monthly income of all beneficiaries before benefiting from the scheme was Rs. 7000. After benefiting from the scheme, the monthly income of beneficiaries started at Rs. 7000 and increased to above Rs. 9000.

Chief Minister Jeevan Jyoti Swaniyojan Yojana 2024 Key Highlights
Chief Minister Jeevan Jyoti Swaniyojan Yojana Launch Date	2005
Chief Minister Jeevan Jyoti Swaniyojan Yojana Official Website	CMJJSY Official website
Chief Minister Jeevan Jyoti Swaniyojan Yojana Objective	To provide financial assistance to the unemployed youth of Assam State
Chief Minister Jeevan Jyoti Swaniyojan Yojana Implementing Agency	State Institute of Panchayat Development(SIPRD) Assam
Chief Minister Jeevan Jyoti Swaniyojan Yojana Nodal Department	Panchayat and Rural Development Department, Government
Chief Minister Jeevan Jyoti Swaniyojan Yojana Benefciaries	Unemployed Youth of the State.
Chief Minister Jeevan Jyoti Swaniyojan Yojana Financial Assistance	Upto 50% of the total project cost or Rs 40,000.
Chief Minister Jeevan Jyoti Swaniyojan Yojana Age Limit	18-27 years
Chief Minister Jeevan Jyoti Swaniyojan Yojana Mode of Application	Offline
Chief Minister Jeevan Jyoti Swaniyojan Yojana Helpline Number	0361-2237289

Chief Minister Jeevan Jyoti Swaniyojan Yojana Objective

The Chief Minister Jeevan Jyoti Swaniyojan Yojana has a prime objective of the following:

• Offering opportunities for self-employment to educated, unemployed youth in Assam.
• Empowering youth to engage in productive activities for income generation, facilitated by institutional credit extended by nationalized banks, financial institutions, or other recognized organizations.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Benefits

1. Empowerment through Self-Employment: This initiative creates opportunities for self-employment, specifically targeting the educated unemployed youth in Assam.
2. Access to Institutional Financing: Eligible individuals can avail of institutional credit from nationalized banks, financial institutions, or recognized organizations to support their entrepreneurial endeavors.
3. Diverse Employment Sectors: The program encompasses a broad spectrum of sectors, fostering employment in fields such as agriculture, horticulture, fisheries, handloom, textiles, poultry farming, and more.
4. Financial Assistance: The state government extends financial support to the implementing agency, covering aspects like training, skill enhancement, technology adoption, market promotion, infrastructure development, and the management of economic infrastructure.
5. Margin Money/Subsidy Provision: The government offers a 50% subsidy on the project cost as margin money, sanctioned against the loan. This subsidy extends up to a maximum of Rs. 1.60 lakhs for a joint liability group comprising a minimum of four members

Chief Minister Jeevan Jyoti Swaniyojan Yojana Eligibility Criteria 

• Age: Applicants must fall within the age bracket of 18-37 years.
• Education: The minimum educational requirement is completion of up to the 10th standard. However, for women engaged in initiatives related to handloom and sericulture, the educational criteria are relaxed to a minimum of Class V. For male participants involved in activities about agricultural practices and animal husbandry, the educational qualification is relaxed to a minimum of Class VII.
• Group Participation: The project implementation adopts a group approach, requiring a minimum of four members organized into “Joint Liability Swabalambi Groups.” However, individual applicants and pairs with a joint account are also eligible for participation, particularly in the following activities:
  • Computer training units/DTP centers.
  • Internet Café/Video editing/Photocopy/Fax/PCO Centers.
  • Establishment and operation of Garment Shops/Garment making and marketing/book stalls.
  • Carpentry, electrical shops, plumber works, motor repairing workshops, motor parts shops, handicraft units, etc.
  • Operation of Fast Food Stalls.
  • Ownership and operation of transport vehicles and three-wheelers.
  • Establishment and management of Beauty Parlors.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Documents Required

• Proof of age (School Certificate/HSLC Admit Card)
• Certificate of educational qualification
• Permanent Resident Certificate (PRC) from Gaon Burah (For Village Areas)
• Photocopy of the bank account
• Annual income certificate issued by Mouzadar or Circle Officer (Income not exceeding Rs. 25,000 per annum)
• Two copies of passport-size photographs
• GMC Householding certificate (for Kamrup Metro Area)

Chief Minister Jeevan Jyoti Swaniyojan Yojana Application Process

The Chief Minister’s Jeevan Jyoti Swaniyojan Yojana is a demand-driven project of the government. It will be done first come first serve basis. ‘

Interested individuals can submit their applications to the State Institute of Panchayat Development (SIPRD) Assam, the designated implementing agency.

On receipt of demand/ applications, the selection of eligible youth will be done by the implementing agency through the block-level selection committee as follows: 

• Block Development Officer. 
• President of Gaon Panchayat/ VCDC concerned.
• The bank branch Manager concerned or his representative. 
• Representative of SIRD, Assam. 

In the case of semi-urban/ urban areas, the Bank, field office of SIRD, Jt. Director of SIRD will finalize the selection after field verification.

Financial assistance through institutional credit, ranging up to Rs. 6.00 lakhs, will be provided based on the creditworthiness and the situation of the group members.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Key Project Activities

• Implementing enhanced agricultural practices, including acquiring tractors and power tillers.
• Area-focused initiatives in horticulture, floriculture, and mushroom cultivation.
• Development of fisheries.
• Promotion of sericulture.
• Diversification of handloom and textile products.
• Support for poultry farming.
• Adoption of scientific methods in pig rearing.
• Crossbreed milch cattle rearing.
• Establishment of nurseries for planting materials.
• Implementation of vermiculture practices.
• Operation of agro-clinics.
• Adoption of integrated farming approaches.
• Agro-processing, including the establishment of mini haulers, mini-feed plants, and storage facilities.
• Processing of food and fruits.
• Establishment of mini tea gardens.
• Utilization of improved tools and equipment for extension services.
• Extension of marketing services.
• Design and development initiatives.
• Cultivation of herbal medicinal plants.
• Promotion of handicrafts, including wood, bamboo, cane, and reed works.
• Operation of fast-food stalls.
• Provision of rural transportation facilities.
• Establishment of computer training and DTP centers.
• Support for small industries.
• Promotion of small businesses.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Bank Requirements 

Requirements for obtaining loans from banks include 

• Educational qualification and age certificates.
• Valid certificates/documents verifying the formation of the group.
• Land documents for creating equitable mortgages, as required by the bank.
• Personal guarantee, National Savings Certificate (NSC), Life Insurance Corporation (LIC) Policy, Fixed Deposit Receipt, or other specified documents in place of land documents, as per the bank’s requirements.
• Three copies of a group photograph attested by the appropriate authority.
• Submission of Permanent Residential Certificate or proof of identity.
• The group is expected to contribute 10% to 15% of the project cost as margin money.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Financing from Other Organizations 

Requirements for acquiring vehicles/tractors, etc., through private financial institutions/organizations:

• The final decision regarding loan approval for groups to acquire vehicles will be made by the sanctioning authority.
• SIRD Assam’s role is to provide training, monitoring, and necessary facilities to ensure the sustainability of the activity in the field.
• It follows a group approach for financing by other organizations.
• Coverage will encompass all potential and sustainable areas throughout the state.
• The responsible group needs to submit the required documents to the financing organization or company.
• The financed asset will be covered by insurance, adhering to the terms and conditions set by the financing company.
• Applicants are required to deposit 15% to 20% as margin money and processing fees. The company will offer after-sales service during the warranty period.
• After the warranty period, the company or its authorized dealers will provide after-sales service on payment.
• The group collectively holds the responsibility for loan repayment, proper maintenance, and upkeep of the vehicle.
• The company offers the flexibility of acquiring various models of commercial vehicles based on viability and suitability for income generation in respective locations.
• Interest rates will be determined according to the company’s norms and procedures.
• The maximum repayment tenure with interest is set at 5 (five) years.
• Facilities are demand-driven with no fixed targets, contingent upon meeting the required terms and conditions.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Financial Support by Government

The state government will offer financial assistance to the Implementing Agency to cover expenses related to:

• Training in Management
• Skill Upgradation
• Technology

The financial support from the State Government will encompass:

• Support services such as hiring facilitators
• Engaging Facilitating Agencies
• Organizing exposure visits
• Promoting market activities
• Providing infrastructure support
• Managing existing economic infrastructure
• Conducting field monitoring

Chief Minister Jeevan Jyoti Swaniyojan Yojana Government Subsidy/Margin Money

The State Government offers a subsidy or margin money amounting to 50% of the project cost upon loan approval, with a per capita subsidy of Rs. 40,000/- or a maximum of Rs. 1.60 Lakhs for a joint liability group consisting of a minimum of 4 members. The margin money or subsidy was initially increased from 15% to 25% on January 17, 2009, and further enhanced to 50% starting from the financial year 2011-2012.

Chief Minister Jeevan Jyoti Swaniyojan Yojana Summary 

Chief Minister Jeevan Jyoti Swaniyojan Yojana Summary 2024
Qualification	Standard for Agri & allied activities- including Standard handloom for women Female- Minimum class- 5th Class   Male – Minimum class- 7th Class Other Activities – Minimum Class-X (Ten) Computer related activities – Minimum Class-XII & above
Age Limit	Standard for Agri & allied activities- including Standard handloom for women Female- Minimum class- 5th Class   Male – Minimum class- 7th Class Other Activities – Minimum Class-X (Ten) Computer-related activities – Minimum Class-XII & above
Target Groups	Members of both BPL and marginally above BPL families.
Area of Project	Both urban and rural areas of all the 27 districts of Assam.
Activities	Agriculture & allied activities as well as the service sector are found to be economically viable. ( Farm and Non-Farm Sectors)
Govt. Subsidy/ Margin Money	50% of the Scheme. Rs.40,000 individual ceiling limit. Rs.1.60 lakhs maximum for a group of 4(four) Members.
Ceiling of Bank Loan	Rs. 6.00 lakhs

Chief Minister Jeevan Jyoti Swaniyojan Yojana FAQs

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