Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana
By Cooperative Department, Government of Uttarakhand
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Quick Answer
Interest-free loans for farmers and self-help groups in Uttarakhand, supporting agricultural and non-agricultural activities to promote self-employment and strengthen the rural economy.
- Funding amount
- ₹10,000 – ₹5L
- Funding type
- Debt
- Application deadline
- Rolling
- Location
- Uttarakhand
About this loan
The "Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana" (DDUKKY) is an initiative by the Cooperative Department, Government of Uttarakhand, designed to uplift the rural economy and foster self-employment among farmers and self-help groups (SHGs). This crucial scheme provides much-needed financial assistance in the form of interest-free loans, targeting a wide array of activities, both agricultural and non-agricultural. By removing the burden of interest, the scheme aims to make entrepreneurship and sustainable livelihoods more accessible for the state's rural population.
The DDUKKY supports diverse economic activities, ranging from traditional agriculture like crop cultivation and organic farming to modern practices such as floriculture, horticulture, and poly-house farming. Beyond primary agricultural pursuits, it also extends to allied sectors like animal husbandry, dairy farming, poultry, and fisheries, alongside value-added processes like agricultural processing. The inclusion of non-agricultural activities such as cultivation of herbs, aromatic plants, spices, and mushrooms further diversifies income opportunities for beneficiaries. This holistic approach ensures comprehensive support for individuals and groups looking to establish or expand their micro-enterprises, thereby contributing significantly to the socio-economic development of Uttarakhand.
Eligibility
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Grant providers
Benefits & Funding
- Amount
- ₹10,000 – ₹5L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The scheme offers interest-free loans as its primary benefit, significantly reducing the financial burden on farmers and self-help groups (SHGs). Individual applicants can receive up to ₹1.00 lakh for agricultural activities and up to ₹3.00 lakh for non-agricultural activities like animal husbandry, dairy, poultry, fisheries, and various forms of cultivation. Self-help groups are eligible for higher loans, up to ₹5.00 lakh. These loans come with flexible repayment periods, ranging from one year for short-term crop loans to three years for medium-term non-agricultural loans. Additionally, the scheme ensures regulatory support by mandating and arranging crop insurance for short-term agricultural loans sanctioned under the Pradhan Mantri Fasal Bima Yojana, providing a safety net for beneficiaries.
- Disbursement
- Milestone Based
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are reviewed by the concerned bank or committee at the local level. The block-level committee is responsible for the final selection of beneficiaries, ensuring they meet all eligibility criteria and their proposed activities align with the scheme's objectives. For larger loans, particularly those for Self-Help Groups, a detailed project report is crucial for evaluation. The scheme also includes a provision for mandatory crop insurance for short-term agricultural loans, arranged by the cooperative bank itself, ensuring risk mitigation for both the borrower and the lending institution.
Application Process
- 1
Become Cooperative Member
Applicants who are not already members of a cooperative society must apply for membership by submitting a form and fee.
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How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
Who is eligible to apply for the Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana?
The scheme is open to general, small, or marginal farmers, including those below the poverty line, and Self-Help Groups (SHGs) from Uttarakhand. Applicants must be members of a cooperative society or hold a savings account in a District Cooperative Bank.
What is the maximum loan amount I can receive?
Individual farmers can receive up to ₹1.00 lakh for agricultural activities and up to ₹3.00 lakh for non-agricultural activities. Self-Help Groups (SHGs) are eligible for loans up to ₹5.00 lakh.
Are these loans truly interest-free?
Yes, the scheme explicitly states that the loans provided are interest-free to reduce the financial burden on beneficiaries and encourage self-employment.
What is the repayment period for these loans?
Short-term agricultural loans (up to ₹1 lakh for crops) have a repayment period of one year. Medium-term loans (up to ₹3 lakh) have a repayment period of three years from the date of disbursement.
Do I need to be a member of a cooperative society to apply?
Yes, it is a mandatory eligibility criterion to be a member of a cooperative society in your respective area or hold a savings account in the District Cooperative Bank.
What types of activities are covered under the non-agricultural loan component?
Non-agricultural activities include animal husbandry, dairy, poultry, fisheries, cultivation of herbs, aromatic plants, spices, mushrooms, floriculture, horticulture, agricultural processing, farm mechanization, organic farming, off-season vegetable cultivation, and poly-house farming.
Sources
Data on this page is compiled from official program and provider references.
