Swarnajayanti Gram Swarozgar Yojana – SGSY Scheme Online Application & Complete Details

Published Date - 08 June 2018 04:20:21 Updated Date - 08 June 2018 04:21:16

Central Government has launched Swarnajayanti Gram Swarozgar Yojana  to provide sustainable income to rural and urban poor. PM Atal Bihar Vajpayee had launched this scheme on 1 April 1999. SGSY Scheme will provide self employment opportunities through the establishment of Self Help Groups. This scheme has resulted in the establishment of 22.5 lakh SHGs to benefit 66.97 lakh people. All the candidates can check details at sgsy.gov.in

SGSY Scheme subsumes the previous 6 schemes – Integrated Rural Development Programme, Training of Rural Youth for Self Employment, Development of Women & Children in Rural Areas, Supply of Improved Toolkits to Rural Artisans, Ganga Kalyan Yojana and Million Wells Scheme .

Under this rural employment scheme, govt. will establish Activity clusters on the basis of aptitude and skill of the people. NGOs, Panchayat Raj Institutions, District Rural Development Agencies, Technical Institutions, Banks and other Financial Institutions will provide funds. This scheme is now renamed as National Rural Livelihood Mission & then renamed as Aajeevika Mission.

Objectives  of  Swarnajayanti Gram Swarozgar Yojana –

SGSY Scheme details are present at official website sgsy.gov.in. The objectives of SGSY are as follows:-

  • To alleviate poverty by setting up a large number of Micro enterprises in rural areas across the country.
  • Capitalization of Group Lending.
  • An Overall programme of micro enterprises which covers every aspect of self employment including organization of rural poor into Self Help Groups.
  • Integration of several agencies like District Rural Development Agencies, Banks, Line Departments, Panchayati Raj Instituions, NGOs etc.
  • To provide mix income generating assets like Bank Credit + Govt. Subsidy.

Swarna Jayanti Gram Swarozgar Yojana has now been restructured as National Rural Livelihood Mission (DAY-NRLM) and later renamed as Aajeevika Mission. For complete list of DAY-NRLM / Aajeevika Mission Schemes

Download SGSY Online Application Form online

All the candidates can download the SGSY Scheme Online Application through the link given below:-


People can fill this Swarnjayanti Gram Swarozgar Yojana Application Form and submit it to the concerned authorities to apply for this scheme.

Benefits of  SGSY Scheme

All the people can check the benefits of Swarnajayanti Gram Swarozgar Yojana in the SGSY Scheme PDF. We are providing you the basic info. on Scheme components and their benefits:-

  • Skill Upgradation
  • Activity Clusters, Self – Help Groups (SHGs)
  • Revolving Fund
  • Lending Norms
  • Assistance to IRDP borrowers
  • Insurance Cover
  • Security norms
  • Subsidy & Post Credit follow up
  • Risk Fund for consumption credit
  • At-least 5 years duration of Repayment of loan
  • Prompt Recovery of Loans
  • Refinance of SGSY loans
  • Deputation of Bank Officials to the DRDAs
  • Service Area Approach
  • Submission of data & Annual Credit Plan
  • LBR Returns


For complete details of all these components, please click the link – SGSY Scheme PDF

Features of Swarnajayanti Gram Swarozgar Yojana (SGSY) –

The important features and highlights of this scheme are as follows:-

Scheme Name

Swarnajayanti Gram Swarozgar Yojana (SGSY)

Who Launches SGSY

PM Atal Bihari Vajpayee

Launch Date

1 April 1999


To Provide Training, Credit, Technology, Infrastructure, Marketing and help Poor People by organizing them as Self Help Groups (SHGs). This is done through capacity building and income generation provisions for Below Poverty Line (BPL) People.


All the families whose name appears in the All India Final Below Poverty Line (BPL) List identified through SECC Data and approved by Gram Sabha will be the eligible beneficiaries.

Funds / Insurance

Maximum limit of Rs. 1.25 lakhs or Rs. 10,000 per person.


To bring out at-least 30% poor families above the poverty line. SGSY will focus on vulnerable section of the rural poor. Accordingly the SC/ST will account for at least 50%, Women 40% and the disabled 3% of those assisted.

Premium Dividend

75% share of Central Govt. and 25% share of State Level Govt.

Loan Payment Term

First is 5 years, Second is 7 years and Tertiary is 9 Years.


Commercial Banks, Co-operative Banks & Regional Rural Banks

Official Website


The main motive is to bring poor people above the poverty line. Utilization of Money though Income Generation Programme. To provide Bank Loans and Govt. Subsidy and to ensure at-least Rs. 2000/- per month to poor people. For more details, visit the official website – http://sgsy.gov.in/


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