The Chief Minister’s Atmanirbhar Asom Abhijan (CMAAA) is the current flagship employment-generation initiative by the Government of Assam. It modernizes the goal of older schemes like the original Kalpataru Scheme by providing substantially higher financial support to educated, unemployed youth to establish robust, income-generating ventures. Implemented through the Department of Industries and Commerce, the scheme aims to create sustainable livelihoods and foster large-scale entrepreneurship across the state.
Key Features
- Financial Assistance: Provided as a combination of an Interest-Free Government Loan and a Grant/Subsidy.
- Up to ₹2 Lakh: For general graduates, H.S. pass, and equivalent qualifications.
- Up to ₹5 Lakh: For professional graduates (Engineering, Medical, Agriculture, etc.).
- Repayment Structure: The assistance is not a full grant. It is typically structured as 50% Government Grant/Subsidy and 50% Interest-Free Loan, which the beneficiary must repay over a defined period.
- Target Group: Educated, unemployed youth of Assam, with age limits often adjusted based on the scheme phase (e.g., 28–45 years in recent phases, with relaxations).
- Sectors Covered: Comprehensive, including Small Manufacturing, Modern Service Sector (IT, Tourism), Agro-based Industries, Trading Activities, and other sustainable micro-enterprises.
- Training & Stipend: Selected entrepreneurs often receive mandatory skill development training and a stipend (e.g., ₹10,000) upon completion.
- Employment Exchange Registration: Applicants must typically be registered with the Assam Employment Exchange.
Eligibility Criteria
- Must be a Permanent Resident of Assam.
- Age limits apply (generally between 18 and 45 years), with relaxations for special categories.
- Should be educated and unemployed (minimum qualification is generally Class 10 Pass or higher).
- The applicant or any member of their family must not be a defaulter of any commercial bank or financial institution.
- Must not have previously received substantial assistance from any similar major government self-employment scheme.
- Annual family income should be within the prescribed limit (which is typically higher than the old ₹1 lakh limit).
How to Apply for the Atmanirbhar Asom Abhijan
- Check Official Portal: The application process is primarily online through the official portal of the Department of Industries and Commerce (or the Finance Department, depending on the scheme phase).
- Registration: Register and fill the application form with personal, educational, and detailed project plan information.
- Attach Documents: Upload required documents (Aadhaar, Educational Certificates, Income Proof, Employment Exchange Card, Bank Details, and detailed Project Report).
- Verification & Approval: Applications are verified by a district-level committee, and successful applicants receive training and financial assistance.
Conclusion
The Chief Minister’s Atmanirbhar Asom Abhijan is a transformative step, evolving the original Kalpataru vision into a scheme capable of creating sustainable, higher-value enterprises. By providing substantial financial help and structured support, the scheme empowers Assam’s youth to become job creators, driving the state’s economic growth and self-reliance (Atmanirbharta).
FAQs
1. What is the CMAAA?
Ans: It is the Chief Minister’s Atmanirbhar Asom Abhijan, the current flagship scheme for providing substantial financial and training support to educated unemployed youth to start their own businesses.
2. Who can apply for this scheme?
Ans: Educated, unemployed residents of Assam (often graduates or equivalent) within the prescribed age limit who are not loan defaulters.
3. How much financial assistance is provided?
Ans: Up to ₹2 Lakh (for general categories) or ₹5 Lakh (for professional graduates), provided as a mix of a grant/subsidy and an interest-free loan.
4. Is the assistance a loan or a grant?
Ans: It is a combination of a non-repayable grant/subsidy and an interest-free loan. The loan portion must be repaid over the stipulated period.
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