Uttarakhand Deendayal Upadhyay Cooperative Farmers Welfare Scheme

Introduction

• In 2017, the Uttarakhand government initiated a scheme for the state farmers and Self Help Groups (SHG) involved in agriculture activities.
• The scheme is named as "Deendayal Upadhyay Cooperative Farmers Welfare Scheme".
• According to the scheme, the state government will provide interest free loans to these farmers and SHGs.
• Beneficiaries can use this loan for agriculture related activities or as notified in the scheme.
• The primary objective of the scheme is to double the income of farmers, thereby boosting their livelihoods and strengthening their economic conditions.
• The implementation of the scheme will also help to create the self employment opportunities in the state.
• Along with this, it will also aid in reverse migration for youth and others who have migrated from the state in search of employment.
• Under the scheme, farmers engaged in farming activities can claim a loan of Rs one lakh.
• Whereas, those involved in non-agricultural activities may avail loans of Rs 3 lakh.
• Non-agricultural activities include Animal husbandry, Dairy, Poultry, Fisheries, spice, mushroom, flower production, agricultural mechanization, organic farming, poly house, off-season vegetables etc.
• Additionally, state Self Help Groups involved in agriculture activities may avail a loan of up to Rs 5 lakhs.
• General, small, and marginal areas farmers are eligible to benefit from the Deendayal Upadhyay Cooperative Farmers Welfare Scheme.
• However, only one member of each family can avail of the scheme benefit.
• Small Farmers are those who possess five acres of non-irrigated land and 2.5 acres of irrigated land.
• While, marginal farmers are those who have 2.5 acres of non-irrigated land and 1.25 acres of irrigated land.
• To get the benefit of the scheme, beneficiaries must be members of the cooperative department or hold a savings bank account in the cooperative department bank.
• For successful implementation, the government allocated a budget for this scheme every year.
• For the year 2024-25 the government has allotted 85 crore rupees.
• It is to be understood that the benefits for a financial year can be availed of until the allocated budget limit is exhausted.
• Once the loan is granted, the farmers must insure their crop under the Pradhan Mantri Fasal Bima Yojana.
• Beneficiaries may apply for the scheme through the district cooperative bank or via the department committee.
• Beneficiaries must repay their loan within the given period of time.
• If anyone fails to repay their loan within the allotted time they will not receive the benefit of the scheme, and interest will be charged as applicable.
• If any farmer applies for the scheme but didn't receive the loan, their application will be eligible for the next year, and they will not need to apply again.

Benefits of Scheme

• The state government will provide the following benefits under the Deendayal Upadhyay Cooperative Farmers Welfare Scheme: -
  • Farmers members and Self Help Groups (SHGs) associated with the development of agriculture will get the interest free loan.
  • One lakh rupees loan will be given for a short term.
  • Three lakhs rupees loan will be given for non agricultural activities.
  • The Self Help Group associated with agriculture will be eligible for a loan of Rs. 5 lakh.

Eligibility Criteria

• Only those applicants who fulfill the below mentioned conditions may apply for the Uttarakhand Deendayal Upadhyay Cooperative Farmers Welfare Scheme: -
  • General, small, marginal, farmer. Farmers and their family members living below the poverty line.
  • Self Help Group (related to agriculture).
  • Either the applicant should be a member of the department or hold a savings bank account in the department bank.
  • Only one member of a family may apply.
    

Documents Required

• In order to apply for the Uttarakhand Deendayal Upadhyay Cooperative Farmers Welfare Scheme, the applicants are required to provide their following documents: -
  • Aadhaar Card.
  • Residence proof.
  • Documents related to Self Help Group.
  • Income Certificate.
  • PAN Card.
  • Documents related to work plan.
  • Co-operative bank Account details.
  • Land Documents.
  • Khata Khatauni.
  • Kisan Card.
  • Other loan details (if any).
  • Mobile Number.
  • Passport Size photograph.
  • Other documents as required by the banks.

How to apply

• Beneficiaries can apply for the Uttarakhand Deendayal Upadhyay Cooperative Farmers Welfare Scheme offline.
• To apply, the beneficiary must be a member of the co-operative department or hold a savings bank account in the Co-operative department bank.
• First, the applicant needs to collect the Deendayal Upadhyay Cooperative Farmers Welfare Scheme application form from the Co-operative bank.
• Then, fill in the required details carefully on the provided application form.
• Paste the recent passport size photographs and affix all the required documents.
• Finally, applicants should submit this duly filled application form to the concerned officer of the bank.

Important Link

• Uttarakhand Co-operative Department Official Website.
• Uttarakhand Deendayal Upadhyay Cooperative Farmers Welfare Scheme Guidelines.

Contact Details

• Uttarakhand Co-operative Department Contact Details: 8010576576