Introduction (प्रस्तावना)

Hello dosto! Swagat hai aapka tafamily.in (Techno Ahmad Blog) par. Dosto, agar aap Bihar ke niwasi (resident) hain aur apna khud ka business (vyapar) shuru karne ka sapna dekh rahe hain, toh Bihar Sarkar (Government of Bihar) aapke liye ek golden opportunity lekar aayi hai. Is scheme ka naam hai Bihar Mukhyamantri Udyami Yojana 2025-26.

Berojgari (Unemployment) ko kam karne aur rajya mein naye startups aur industries ko badhava dene ke liye, Bihar sarkar ne is yojana ke tahat ₹10 Lakh tak ka aarthik sahayata (Financial Assistance) dene ka faisla kiya hai. Sabse badi baat yeh hai ki isme se ₹5 Lakh ki subsidy (Maaf) hai aur baaki ka ₹5 Lakh aapko bina kisi interest (0% Interest) ya naam-matra ke byaj par wapas karna hoga.

Aaj ke is detailed article mein, hum Techno Ahmad ki taraf se aapko ek-ek word clear karke samjhayenge. Eligibility kya hai? Documents kaun-kaun se lagenge? Selection process mein jo naya badlav (New Update) aaya hai wo kya hai? Aur online apply (Registration) kaise karna hai? Chaliye, shuru karte hain.

1. Overview of Bihar Udyami Yojana 2025-26 (योजना की एक नज़र में जानकारी)

Niche di gayi table mein yojana ki sabhi zaroori details (Short summary) di gayi hai, jisse aapko ek basic idea mil jayega:

2. Main Objectives of the Scheme (योजना का मुख्य उद्देश्य क्या है?)

Bihar Sarkar ka main objective (lakshya) rajya mein Industrial Development (औद्योगिक विकास) ko tez karna hai. Bahut se aise yuva (Youth) hain jinke paas business ka achha idea hai, lekin paise (Capital/Fund) ki kami ki wajah se wo apna vyapar shuru nahi kar paate. Is yojana ke mukhya uddeshya niche diye gaye hain:

• Employment Generation (रोजगार सृजन): Naye udyog (industries) lagne se sirf malik ko hi nahi, balki aas-paas ke logo ko bhi rozgar milega.
• Financial Independence (आर्थिक आज़ादी): Bihar ke youth ko job seeker (naukri dhoondhne wala) ki jagah job creator (naukri dene wala) banana.
• Women Empowerment (महिला सशक्तिकरण): Mahilaon ko aage badhane ke liye unhe special category mein rakha gaya hai taaki wo khud ka business set up kar sakein.

3. 5 Different Categories of Udyami Yojana (उद्यमी योजना के 5 अलग-अलग प्रकार)

Bihar Udyami Yojana ko sabhi vargo (castes and categories) ke logo tak pahunchane ke liye ise 5 alag-alag bhagon (parts) mein banta gaya hai. Aap jis category me aate hain, aapko usi ke tahat apply karna hoga:

A) Mukhyamantri Anusuchit Jati/Janjati (SC/ST) Udyami Yojana

Yeh yojana sirf Scheduled Caste (SC) aur Scheduled Tribe (ST) varg ke purush aur mahila (Men and Women) dono ke liye hai. Is category mein milne wale 10 lakh ke loan par aapse baaki bache 5 lakh par 0% interest (कोई ब्याज नहीं) liya jayega. Ise 84 asaan kishton (installments) mein 7 saal me chukana hota hai.

B) Mukhyamantri Ati Pichhda Varg (EBC / BC-01) Udyami Yojana

Yeh scheme un logo ke liye hai jo Extremely Backward Class (EBC ya BC-1) category mein aate hain. Isme bhi same facility hai—₹5 lakh ki subsidy aur baaki ₹5 lakh par 0% Interest (ब्याज मुक्त) loan. Ise bhi 84 kishton mein jama karna hai.

C) Mukhyamantri Mahila Udyami Yojana (Women Entrepreneur Scheme)

Yeh scheme Bihar ki sabhi mahilaon (All Women) ke liye hai, chahe wo kisi bhi jaati (General, OBC, SC, ST, Minority) se kyun na aati hon. Mahilaon ko protsahit karne ke liye isme bhi ₹10 Lakh ka total fund milta hai (5 lakh subsidy aur 5 lakh bina byaj ke wapas karna hai).

D) Mukhyamantri Yuva Udyami Yojana (For General & BC-02)

Agar aap General category (Samanya Varg) ya Backward Class 2 (BC-02) ke Purush (Male) aavedak hain, toh aap is scheme ke tahat apply karenge. Isme ek chhota sa difference hai: Isme aapko baaki bache ₹5 lakh ko lautate samay 1% ka Annual Interest (सालाना ब्याज) dena hoga. Yeh bahut hi minor amount hai market rate ke mukabale.

E) Mukhyamantri Alpsankhyak (Minority) Udyami Yojana

Yeh category haal hi mein shuru ki gayi hai, jo sirf Minority community (Muslim, Sikh, Christian, Buddhist, Jain, Parsi) ke logo ke liye hai. Isme bhi SC/ST aur EBC ki tarah hi benefits hain.

4. Financial Benefits Details (पैसे और लोन का पूरा गणित)

Aaiye, is ₹10 Lakh ke Fund Distribution ko ek-ek word mein clearly samajhte hain:

• Total Project Cost Approved: ₹10,000,000 (Dus Lakh Rupaye).
• Grant/Subsidy (अनुदान): 50% yaani maximum ₹5,000,000. Yeh paisa sarkar ki taraf se gift hai, ise aapko wapas nahi karna hai.
• Interest-Free Loan (ब्याज मुक्त ऋण): Baaki bacha 50% yaani ₹5,000,000 aapko loan ke roop mein milega. Ise aapko business shuru hone ke ek saal baad (Grace period) agle 7 saalo mein 84 EMI (Equal Monthly Installments) mein chukana hai.
• Training & Monitoring Fund (प्रशिक्षण खर्च): In sabke alawa, labharthi ko ₹25,000 alag se diye jayenge jo unke business ki training (DPR banane, skill sikhne) aur project ki nigrani ke liye hoga.

5. Eligibility Criteria (आवेदन करने के लिए योग्यता/पात्रता)

Kya aap is yojana ke liye eligible hain? Aaiye dekhte hain kya-kya requirements (shartein) hain:

1. Residence (निवास): Aavedak (Applicant) lazmi taur par Bihar rajya ka sthayi niwasi (Permanent Resident of Bihar) hona chahiye.
2. Age Limit (आयु सीमा): Apply karne ke din aavedak ki umar kam se kam 18 saal aur jyada se jyada 50 saal (18 to 50 Years) ke bich honi chahiye.
3. Educational Qualification (शैक्षणिक योग्यता): Aavedak ka kam se kam 12th Pass (Intermediate) hona zaroori hai. Agar 12th pass nahi hain, toh ITI, Polytechnic, ya koi bhi equivalent Diploma hona chahiye.
4. Business Entity Type (व्यवसाय का प्रकार): Aapka business Proprietorship Firm, Partnership Firm, LLP (Limited Liability Partnership), ya Private Limited Company ke roop mein registered hona chahiye.
5. Bank Account (बैंक खाता):
   • Agar aap pehli baar business shuru kar rahe hain, toh apply karne ke baad form submit hone par (selection ke baad) aapko aapki firm ke naam se ek Current Account (चालू खाता) khulwana hoga.
   • Dhyan dein: Form bharte samay aap apna normal Saving Account (Bachat khata) ka details de sakte hain, par fund aane se pehle current account zaruri hoga.

6. Required Documents List (जरूरी दस्तावेजों की सूची)

Techno Ahmad ki taraf se aapko salaah hai ki online apply karne se pehle (25 February se le kar 15 March 2026 ke bich), niche diye gaye sabhi documents ko scan karke apne mobile ya computer (Folder) mein rakh lein. Inki soft copy upload karni padegi:

• Aadhaar Card (आधार कार्ड): Mobile number se link hona chahiye.
• PAN Card (पैन कार्ड): Agar firm hai toh firm ka PAN, warna aapka personal PAN Card.
• Educational Certificates (शैक्षणिक प्रमाण पत्र): 10th (Matriculation) ki marksheet/certificate (Date of birth ke proof ke liye) aur 12th / ITI / Diploma ki marksheet.
• Caste Certificate (जाति प्रमाण पत्र): SC/ST, EBC, BC-02 walo ke liye apne block (Anchal) se bana hua Caste Certificate (Current/Recent hona chahiye). Mahila category me General walo ko caste certificate ki zaroorat nahi hoti.
• Residential Certificate (निवास प्रमाण पत्र): Sthayi niwas ka praman (Domicile certificate).
• Bank Detail (बैंक खाता विवरण): Bank ka passbook ka front page ya Cancelled Cheque (Radd kiya hua check), jisme Account number aur IFSC code clear dikh raha ho.
• Passport Size Photo: Ek clear, recent passport size photograph.
• Signature (हस्ताक्षर): Ek white paper par apna signature karke use scan kar lein.

Pro Tip by tafamily.in: Sabhi documents ko JPG ya PDF format mein rakhein. Size ko 200KB se kam rakhna best hota hai taaki form bharte samay server error na aaye.

7. BIG UPDATE: New Selection Process 2025-26 (चयन प्रक्रिया में बड़ा बदलाव)

Yeh sabse important section hai. Pehle kya hota tha? Pehle form bharne ke baad Bihar sarkar ek Computerised Randomization (Lottery System) karti thi. Jiska naam lottery mein aa gaya, usko loan mil jata tha. Lekin isme problem yeh thi ki bahut se aise logo ka naam aa jata tha jinhe sach me business nahi karna tha (Sirf paiso ke liye form bhara tha), aur jo genuine the wo reh jaate the.

Isliye, 2025-26 se Lottery System (Computerised Randomization) ko khatam karne ka nirnay liya gaya hai!

Ab Selection Kaise Hoga? (What is the new method?)

• Bihar sarkar ne ek High-Level Committee (उच्च स्तरीय समिति) banayi hai (Technical Development Director ki adhyakshta mein).
• Ab aapke apply karne ke baad, aapke dwara chune gaye Business Idea (Project) aur aapki Profile ka analysis kiya jayega.
• Jo applicants real mein Potential Entrepreneurs (संभावनाशील उद्यमी) lagenge, aur jinka project practical hoga, unko shortlist kiya jayega.
• Ho sakta hai is baar Interview ya Project Presentation (DPR screening) ka round bhi joda jaye. Jaise hi official notice aayega, hum aapko apne Techno Yaari YouTube channel par sabse pehle update denge!

8. Step-by-Step Online Apply Process (ऑनलाइन आवेदन कैसे करें?)

Form bharne ka pura process 100% online hai. Kisi bhi dalal (Broker) ke chakkar me aane ki zaroorat nahi hai. Niche diye gaye steps ko dhyan se follow karein:

Step 1: Registration (नया पंजीकरण)

1. Sabse pehle Bihar Udyami Yojana ke official portal udyami.bihar.gov.in par visit karein.
2. Home page par aapko “पंजीकरण करें” (Register) ka ek button dikhega. Us par click karein.
3. Ek naya page khulega jahan aapko apna naam (First Name, Middle Name, Last Name), email ID, Mobile Number, aur Aadhaar Number enter karna hai.
4. Apni Category (SC/ST/EBC/Mahila/Yuva) dhyan se select karein. Dhyan rahe, galat category select karne par form reject ho jayega.
5. “Get OTP” par click karein. Aapke mobile par ek OTP aayega, use verify karein.
6. Verification ke baad, aapka registration successful ho jayega aur aapke mobile par Login ID aur Password aa jayega.

Step 2: Login and Personal/Bank Details

1. Ab wapas home page par aakar “लॉगिन करें” (Login) par click karein. Apna Aadhaar number (ID) aur password daal kar portal mein enter karein.
2. Sabse pehle aapko apni Personal Details (Jaise Father/Husband Name, Date of Birth, Gender, Full Address, Pincode) bharni hogi.
3. Uske baad Educational Qualification ka section aayega. Apni 10th aur 12th/ITI/Diploma ki details (Board ka naam, Passing year, Percentage) fill karein.
4. Next section Bank Details ka hoga. Apne bank ka naam, Branch ka naam, Account Number aur IFSC Code bilkul sahi-sahi type karein.

Step 3: Business Project Selection (प्रोजेक्ट चुनना)

Aapko ek list di jayegi jisme bahut saare business ideas honge (Jaise Readymade Garments, Bakery, Beauty Parlour, Atta Chakki, IT/Computer Center, etc.). Aap jis business ko shuru karna chahte hain, use select karein.

Step 4: Uploading Documents (दस्तावेज अपलोड)

Jaisa ki humne upar bataya tha, un sabhi scanned documents ko PDF ya JPG format mein unke respective sections mein upload karna hai. Size limits ka khayal rakhein.

Step 5: Final Submission (अंतिम सबमिट)

Sabhi details bharne aur documents upload karne ke baad, “Preview” button par click karein. Apni bhari hui saari details ko dubara cross-check karein. Agar sab kuch theek hai, toh “Final Submit” par click kar dein. Submit karne ke baad application ki ek copy apne system me save kar lein aur print nikal kar safe rakh lein.

9. Some Popular Business Project Ideas (योजना के तहत कौन सा बिज़नेस करें?)

Agar aap confuse hain ki is scheme me kaun sa business chuna jaye, toh yahan kuch popular ideas hain jinpar sarkar jaldi loan approve karti hai:

• Bakery Products & Snacks Making
• Readymade Garments (Silaee Kendra)
• Beauty Parlour & Salon
• IT/Computer Institute (Cyber Cafe)
• Atta Chakki, Masala Mill, Poha Mill
• Furniture Making (Wood/Steel)
• Automobile Garage / Two Wheeler Repair
• Paper Cup / Plate Manufacturing
• Agarbatti & Candle Making
• Printing Press / Flex Printing

10. Frequently Asked Questions (FAQs – आपके सवाल, हमारे जवाब)

Conclusion (निष्कर्ष)

Toh dosto, yeh thi Bihar Udyami Yojana 2025-26 ki ek-ek word ki full aur clear detail. Bihar sarkar ka yeh kadam sach mein un yuvaon ke liye ek vardan hai jo apna khud ka empire khada karna chahte hain. Is ₹10 lakh ke sahare aap apne sapno ko udaan de sakte hain.

Aapko dhyan rakhna hai ki form bharte samay koi jaldbazi na karein, aur naye selection process ko dhyan me rakhte hue ek accha business idea chune. Agar aapka koi bhi sawal (Doubt) ho, toh aap niche comment section me pooch sakte hain.

Aisi hi detailed, tech, aur sarkar yojanao se judi bilkul sahi jankari paane ke liye tafamily.in ko apne browser mein bookmark kar lein. Aur haan, videos ke madhyam se practical update paane ke liye YouTube par Techno Yaari channel ko subscribe karna na bhoolein!

[Share this post with your friends & family in Bihar who want to start a business!]