Dr. Bhimrao Ambedkar Rajasthan Dalit Adivasi Udyam Protsahan Yojana (BRUPY): 9% interest subsidy, 25% margin money, RIICO plot at reserve rate for SC/ST entrepreneurs. Worked example.
Historically, SC and ST communities in Rajasthan have been under-represented in business ownership relative to their population, with a large share of self-employment concentrated in low-margin trades. BRUPY was created specifically to break this gap — it gives first-generation SC/ST entrepreneurs the capital, interest relief and industrial land access that the community has had least access to. The scheme explicitly targets the establishment, expansion, diversification and modernisation of SC/ST-owned enterprises across non-agricultural sectors.
| Benefit | Slab | Rate |
|---|---|---|
| Interest subsidy | Loan up to ₹25 lakh | 9% per annum |
| Loan up to ₹5 crore | 7% per annum | |
| Margin money subsidy | Project cost up to ₹25 lakh | Up to 25% |
| CGTMSE guarantee fee | Collateral-free credit | Reimbursed |
| Enterprise type | Minimum own contribution | Maximum loan |
|---|---|---|
| Manufacturing enterprise | 10% | 90% |
| Service enterprise | 10% | 90% |
| Business / trading sector | 15% | 85% |
BRUPY has fixed upper ceilings on project size, designed to keep the scheme focused on first-generation and small-to-mid-sized SC/ST enterprises. Bigger projects can still claim benefits — but only up to the prescribed ceiling.
| Enterprise type | Maximum project cost | Working capital cap (within project cost) |
|---|---|---|
| Manufacturing unit | ₹10 crore | Up to 40% of total project cost |
| Service enterprise | ₹5 crore | Up to 40% of total project cost |
| Trading / business unit | ₹1 crore | As per bank norms |
Important: The loan can be either a term loan or working capital — but the working capital portion within the total project cost is capped at 40% for manufacturing and service enterprises. This forces a healthy asset-creation bias rather than pure trading-style financing.
This is one of BRUPY's most under-used benefits. For SC/ST entrepreneurs:
| Head | Calculation | Amount |
|---|---|---|
| Margin money subsidy | 25% of ₹20 lakh | ₹5 lakh |
| Own contribution needed | only 10% (manufacturing) | ₹2 lakh |
| Bank loan | 90% | ₹18 lakh |
| Interest subsidy | 9% p.a. on loan, ~5 yrs | ₹~6.5 lakh (approx) |
| Effective government support | ₹11.5 lakh+ on a ₹20L project | |
A first-generation SC/ST entrepreneur effectively starts a ₹20 lakh business with around ₹2 lakh of own money, with more than half the project effectively supported. Exact interest-subsidy depends on sanctioned tenure.
BRUPY is targeted, not blanket — there are clear personal, organisational and financial conditions. The table below summarises every criterion you must meet, with the supporting proof typically asked at application stage.
| Criterion | Requirement | Proof needed |
|---|---|---|
| Caste category | Scheduled Caste (SC) or Scheduled Tribe (ST) | Caste certificate from competent authority |
| Domicile | Native of Rajasthan (Mool Niwas) | Domicile certificate / Bhamashah / Jan Aadhaar |
| Age | 18 years or older at time of application | Aadhaar / PAN / school certificate |
| Employment status | Not employed in central / state government service or any central/state autonomous body | Self-declaration / employer NOC if recently resigned |
| Loan track record | Not a defaulter on any past bank or financial institution loan | CIBIL / bank statement / declaration |
| Legal & mental fitness | Not declared insolvent or of unsound mind | Self-declaration |
| Entity ownership (for firms / LLPs / companies) | At least 51% ownership held by SC/ST persons | Constitution document + shareholding pattern |
| Project sector | Manufacturing, service or trade (non-agricultural) | DPR + Udyam classification |
| Project size | Within BRUPY ceilings (₹10 cr mfg / ₹5 cr svc / ₹1 cr trade) | DPR cost summary |
| Loan sanction | Loan sanctioned during the scheme operative period (up to 31 March 2027) | Bank sanction letter |
First-generation entrepreneur status is explicitly welcomed — no prior business history is required, which is exactly the entry barrier BRUPY was designed to address.
Same logical groups as RIPS 2024 — but BRUPY adds caste & domicile certificates which are non-negotiable. Keep clean PDFs (≤ 2 MB each, named clearly):
| # | Document | Why it's needed |
|---|---|---|
| 1 | SC/ST caste certificate | Establishes eligibility under the scheme |
| 2 | Rajasthan domicile (Mool Niwas) | Confirms native-of-Rajasthan requirement |
| 3 | Aadhaar / Jan Aadhaar of applicant | Identity + SSO / DBT linking |
| 4 | Sanstha Aadhaar Number (SAN) — 16-digit business ID | Mandatory Rajasthan business identifier (free from san.rajasthan.gov.in) |
| 5 | SSO ID for the authorised signatory | For filing the online application |
| 6 | PAN of the entity | Tax compliance |
| 7 | Udyam (MSME) registration | Required for MSME-classification benefits |
| 8 | GST registration (if applicable) | For tax-related benefits |
| 9 | Constitution document (Partnership deed / MOA-AOA / LLP agreement) | For non-proprietor entities — proves 51% SC/ST ownership |
| 10 | Detailed Project Report (DPR) | Project cost, means of finance, employment, viability — bank-grade |
| 11 | Bank loan sanction letter + disbursal schedule | For interest subsidy claim |
| 12 | Bank account details + cancelled cheque | For subsidy direct credit |
| 13 | Proof of land / lease / rented premises | Project location validation |
| 14 | Recent passport-size photograph | Standard application requirement |
For a complete cross-scheme documents reference (RIPS / BRUPY / VYUPY), see our companion article: Documents required for Rajasthan subsidy applications.
Like RIPS 2024, BRUPY applications are filed online through the Rajasthan Single Sign-On (SSO) portal at sso.rajasthan.gov.in. Here's the high-level flow:
For a full step-by-step walkthrough of the SSO portal flow (with screenshots and common pitfalls), see our companion guide: How to apply for RIPS 2024 — step-by-step via SSO portal. The same dashboard, login and document-upload mechanics apply.
This is the part most SC/ST entrepreneurs miss: BRUPY is not a substitute for RIPS 2024 — it stacks on top. If your project also qualifies under RIPS 2024 (broadly any non-trivial manufacturing or eligible service investment), being an SC/ST entrepreneur unlocks additional benefits over the standard RIPS package:
| Benefit | Standard RIPS 2024 | SC/ST enhancement (RIPS + BRUPY stacking) |
|---|---|---|
| SGST reimbursement | 75% for 7–10 years | 100% for 7 years |
| Stamp duty | Concession as notified | 100% exemption on land purchase, lease & loan documents |
| Land conversion charges | As notified | 100% concession |
| Thrust-sector minimum investment | As prescribed in scheme | Reduced by 50% |
| Grant subsidy ceiling | As per RIPS 2024 limits | Up to 200% of EFCI |
| Capital subsidy / interest subvention | Per RIPS slabs | Choice between BRUPY rates and RIPS 2024 enhanced slabs (whichever is more beneficial) |
Practical implication: A SC/ST entrepreneur setting up a ₹5 crore manufacturing unit in Rajasthan can effectively get a fundamentally better economic structure than a non-SC/ST applicant doing the same project — the combined BRUPY + RIPS package typically lifts the indirect-benefit base by 20–40% of project cost.
See our RIPS 2024 complete guide for the underlying RIPS structure and worked examples.
9% per annum on loans up to ₹25 lakh and 7% per annum on loans up to ₹5 crore, for eligible SC/ST entrepreneurs in Rajasthan.
Yes. BRUPY is specifically designed for first-generation SC/ST entrepreneurs and provides financial assistance for establishment, expansion, diversification and modernisation.
SC/ST entrepreneurs get RIICO industrial plots at reserve rate instead of auction, plot ceiling raised to 4,000 sq.m., reservation raised to 6%, and full interest waiver on land-allotment instalments.
BRUPY was notified on 8 September 2022 and remains in force up to 31 March 2027. Loans sanctioned during this operative window qualify.
Maximum project cost limits are ₹10 crore for manufacturing units, ₹5 crore for service enterprises, and ₹1 crore for trading units. Working capital is capped at 40% of total project cost for manufacturing and service enterprises.
The applicant must (a) belong to a Scheduled Caste or Scheduled Tribe (caste certificate required), (b) be a native of Rajasthan with Mool Niwas, (c) be 18+ at application, (d) not be in central / state government service, (e) not be a loan defaulter, (f) for firms / LLPs / companies — at least 51% ownership by SC/ST persons.
Core documents include: SC/ST caste certificate, Rajasthan domicile (Mool Niwas), Aadhaar / Jan Aadhaar, Sanstha Aadhaar Number (SAN), SSO ID, PAN, Udyam (MSME) registration, GST (if applicable), constitution documents, bank-grade DPR, loan sanction letter, bank details, proof of land or lease. See our complete documents guide for full checklist.
Yes — SC/ST entrepreneurs can claim BRUPY's interest subsidy, margin money and RIICO land benefits and additionally avail enhanced RIPS 2024 benefits: 100% SGST reimbursement for 7 years (instead of 75%), 100% concession on land conversion charges, 100% stamp duty exemption, 50% reduction in thrust-sector investment threshold, and grant subsidy up to 200% of EFCI.
BRUPY applications are filed online through the Rajasthan Single Sign-On (SSO) portal at sso.rajasthan.gov.in. After logging in with your SSO ID, search "BRUPY" or navigate to the SC/ST Welfare / Industries Department services in your dashboard. The District Industries & Commerce Centre (DICC) or the State SC/ST Finance Development Corporation typically implements.
Yes. SC/ST women entrepreneurs can claim BRUPY benefits and may also avail RIPS 2024's women-led booster (100% SGST reimbursement for the first 2 years) and the additional interest subvention under the Rajasthan MSME Policy 2024 for women-owned enterprises. Stacking is permitted because the benefits target different aspects of the project.
Related reading: RIPS 2024 Complete Guide · VYUPY Youth Scheme · BRUPY for Taxi / Commercial Vehicle · How to Apply via SSO Portal · Documents Required Guide · Subsidies by District
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