BRUPY Scheme for SC/ST Entrepreneurs in Rajasthan – 9% Interest Subsidy & 25% Margin Money

The Dr. Bhimrao Ambedkar Rajasthan Dalit, Adivasi Udyam Protsahan Yojana 2022 (BRUPY) is Rajasthan's dedicated scheme to bring Scheduled Caste (SC) and Scheduled Tribe (ST) entrepreneurs into manufacturing, services and trade. It was notified on 8 September 2022 and runs up to 31 March 2027.

Why a separate scheme for SC/ST entrepreneurs?

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.

BRUPY core financial benefits

Benefit	Slab	Rate
Interest subsidy	Loan up to ₹25 lakh	9% per annum
Interest subsidy	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

Own-contribution & maximum loan under BRUPY

Enterprise type	Minimum own contribution	Maximum loan
Manufacturing enterprise	10%	90%
Service enterprise	10%	90%
Business / trading sector	15%	85%

RIICO industrial-land advantage for SC/ST

This is one of BRUPY's most under-used benefits. For SC/ST entrepreneurs:

Plots in RIICO industrial areas are allotted at reserve rate (instead of auction).
The plot-size ceiling is raised from 2,000 sq.m. to 4,000 sq.m.
Reservation in plot allotment is raised from 5% to 6%.
Full interest waiver on instalments of the due land-allotment amount.

Worked example – SC/ST entrepreneur, ₹20 lakh manufacturing unit

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.

Who is eligible?

Entrepreneur belonging to a Scheduled Caste or Scheduled Tribe (caste certificate required).
Enterprise in manufacturing, service or trade (non-agricultural).
Includes first-generation entrepreneurs — no prior business history needed.
Loan sanctioned during the scheme operative period.

For a vehicle-specific use of this scheme — buying a taxi or commercial vehicle — see our dedicated guide: BRUPY for taxi / commercial vehicle purchase.

Frequently asked questions

How much interest subsidy does BRUPY give?

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.

Can a first-generation entrepreneur apply for BRUPY?

Yes. BRUPY is specifically designed for first-generation SC/ST entrepreneurs and provides financial assistance for establishment, expansion, diversification and modernisation.

What is the RIICO land benefit under BRUPY?

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.

Is BRUPY still valid?

BRUPY was notified on 8 September 2022 and remains in force up to 31 March 2027.

BRUPY – Dr. Bhimrao Ambedkar Scheme for SC/ST Entrepreneurs