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Want Free Online Courses? Odisha SWAYAM Scheme Is Your Golden Ticket

Pragya Pathak

Author

Updated: 04-10-2025 at 3:30 PM

Youth is one of the most significant building blocks of an economy, and hence, it is the responsibility of the government to provide them with quality services and opportunities so that they can grow and build their professional and personal lives.

The state government of Odisha launched the Swatantra Yuva Udyami (SWAYAM) Scheme to provide financial support to the state youth for pursuing education or establishing small businesses. The state government scheme’s primary aim is to help the youth help themselves, as that won’t only contribute to their progress but the state and the country’s progress as well.

Read the article to learn about the meaning, eligibility, and application process of the SWAYAM Scheme.

Overview

The table below summarises some key details about the SWAYAM scheme that one should know.

Name of the scheme	SWAYAM Scheme
Full form	Swatantra Yuva Udyami Scheme
Launched by	State government of Odisha
Launched in	2024
Objective	To provide financial aid to the youth to build their careers
Eligibility criteria	A resident of the state of Odisha between the ages of 18-35 years and registered under the KALIA or BSKY scheme, or an annual income of less than Rs. 2 or 3 lakh p.a.
Application mode	Online

What Is The SWAYAM Scheme?

The Swatantra Yuva Udyami (SWAYAM) Scheme was launched by the state government of Odisha in 2024. The state govt scheme provides a range of financial support to the youth of the state, such as interest-free loans, so that they can pursue higher education or set up small businesses. The Sarkari scheme is specifically designed for youth coming from low-income groups so that the people in need can reap the benefits of the scheme.

Objectives Of The SWAYAM Scheme

The SWAYAM Scheme has several objectives that outline the goals of the financial aid scheme. Some of its major objectives are listed below in brief:

Financial support: The state govt scheme provides financial support in the form of interest-free loans to the youth of the state for building their careers.
Amount of the loan: The Sarkari Yojana provides approved applicants with a loan of Rs. 95,000 without any interest rate.
Business and education: The SWAYAM scheme promotes and encourages youth to either pursue higher education or build their small businesses and grow their professional lives.

What Are The Benefits Of The SWAYAM Scheme?

The SWAYAM Scheme launched by the state government of Odisha comes with many benefits for students. Some of its key benefits are mentioned below in brief:

Interest-free loans: Eligible youth can apply for an interest-free loan of Rs. 95,000 without taking any extra financial burden.
Flexible repayment terms: The repayment terms of the loan are flexible, as beneficiaries are required to pay the loan in 4 years with a 3 to 6-month moratorium period.
Empowering youth: The state govt scheme provides financial empowerment to the youth of the state and allows them to pursue their careers in their preferred fields without any financial barriers.

Eligibility Criteria For The SWAYAM Scheme

Interested individuals first need to ensure that they fit the eligibility criteria. The eligibility criteria for the SWAYAM Scheme are as follows:

Applicant must be from the state of Odisha.
Applicants should be between the ages of 18-35 years or 18-40 for people who belong to the SC, ST, or PwD category.
Applicant must be registered under the KALIA (Krushak Assistance for Livelihood and Income Augmentation) or Biju Swasthya Kalyan Yojana (BSKY) scheme or have an annual income of less than Rs. 3 lakh p.a. for people residing in urban areas or Rs. 2 lakh p.a. for people residing in rural areas.
Applicant must have a UDYAM registration.

What Is The Application Process For The SWAYAM Scheme?

Interested and eligible applicants can apply for the SWAYAM Scheme through an online procedure at their convenience and choice. The application process is as follows:

Step 1: Please visit the official website of the SWAYAM scheme of Odisha.

Step 2: Click on the ‘Registration’ option and select ‘Urban or Rural’.

Step 3: Fill in all the details and complete the registration form.

Step 4: Log in to your account with the newly generated User ID and password after registering.

Step 5: Select the ‘Applicant’ option.

Step 6: Fill in your Aadhaar number and mobile number.

Step 7: Upload all the required supporting documents.

Step 8: Apply for the scheme.

What Are The Required Documents For The SWAYAM Scheme?

Applicants may need to submit some supporting documents to successfully apply for the SWAYAM Scheme. The list of those documents is as follows:

Proof of age, such as Aadhaar card, Voter ID card, PAN card, birth certificate)
Proof of residence
Income certificate or KALIA Yojana card, or Biju Health Welfare Yojana card
UDYAM registration
Caste or disability certificate if needed

Conclusion

The Swatantra Yuva Udyami (SWAYAM) Scheme is an exceptional initiative taken by the state govt of Odisha for the state's youth by providing them with an umbrella of financial security.

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