What is the main objective of the Deen Dayal Upadhyaya Bunkar Yojana (DDUBY)?

The DDUBY aims to empower women weavers in Arunachal Pradesh by providing access to affordable credit from banks, thereby encouraging entrepreneurship and sustainable livelihoods in the traditional weaving sector.

Who is eligible to apply for the DDUBY scheme?

The scheme is exclusively for women weavers who are primarily engaged in weaving activities and own working loom(s). Both individual women weavers and groups of women weavers can apply, but companies and partnership firms are not eligible.

Is there any restriction on the size of the weaving unit or number of looms?

No, the scheme explicitly states there is no restriction based on unit size or the number of looms. Weavers of all categories and scales are eligible to apply.

How long is the interest subvention applicable for?

The scheme covers loans disbursed during the current financial year, with the interest subvention applicable for a maximum period of one year per loan.

Where can eligible women weavers apply for this scheme?

Interested applicants should approach participating commercial banks and regional rural banks to avail themselves of the credit facilities and the associated interest subvention. The application process is offline, directly through these banking institutions.

Are startups or formally registered companies eligible?

No, the scheme is specifically designed for individual women weavers and groups of women weavers, explicitly excluding formally registered companies and partnership firms.

Deen Dayal Upadhyaya Bunkar Yojana | Startup Grants India

Q: What financial benefit does the scheme offer?

The scheme offers a 7% interest subvention on various credit facilities, including short-term credit, cash credit limits, working capital limits, weavers' credit cards, and Swarojgar credit cards. This reduces the cost of borrowing for eligible women weavers.

The Deen Dayal Upadhyaya Bunkar Yojana (DDUBY) is a pioneering scheme launched by the Government of Arunachal Pradesh with the core objective of empowering women weavers across the state. Recognizing the significant role of traditional weaving in local economies and cultural heritage, this scheme aims to address the critical challenge of access to affordable credit. By facilitating financial support through banks, DDUBY encourages entrepreneurship, fosters economic independence, and promotes sustainable livelihoods for women engaged in this vital craft. The initiative is a strategic step towards bolstering the micro-enterprise sector and ensuring the continuity and growth of traditional weaving practices in Arunachal Pradesh.

While the specific details of a competitive selection process are not provided, applications for the interest subvention are processed by the participating commercial and regional rural banks. The banks will assess the applicant's eligibility based on criteria such as primary occupation in weaving, ownership of looms, and creditworthiness. Once a loan is approved and disbursed, the interest subvention will be applied according to the scheme's guidelines, facilitating access to affordable credit for eligible women weavers.

The primary benefit under the Deen Dayal Upadhyaya Bunkar Yojana is a substantial 7% interest subvention on various forms of credit. This includes short-term credit, cash credit limits, working capital limits, weavers' credit cards, and Swarojgar credit cards availed from commercial banks and regional rural banks. This direct financial relief significantly reduces the effective interest burden on loans, making capital more accessible and affordable for women weavers. The subvention covers loans disbursed during the current financial year for a maximum period of one year, thereby supporting their operational needs and growth ambitions.

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