Swarnajayanti Gram Swarojgar Yojana (SGSY – Government of India has taken an initiative by launching Swarnajayanti Gram Swarojgar Yojana (SGSY).

  • It offers sustainable earnings to poor citizens existing in country’s rural regions.
  • This scheme was started on 1st April 1999.

Main Target of the Scheme is 

  • The SGSY targets at giving self- employ to people in villages by the organization of Self-help assembly.
  • Activity groups are established depending on the skill & talent of the persons which are fostered to their utmost latent.

Working of the Scheme

  • The SGSY was rather planned to give self-employment to village people millions in number.
  • Poor families existing under the scarcity contour were planned into Self- help groups (SHG)s recognized with a combination of government funding & loans from savings banks.
  • The major intend of SHGs was to carry these deprived families over the scarcity line & focus on profits generation by joint attempt.
  • The proposal suggested the organization of action clusters or bunch of villager’s collection jointly depending on their skills & talents.
  • Every activity group worked on a particular activity selected based on the ability and talent of the persons, accessibility of resources & sell potentiality.
  • The SHGs are supported, maintained & taught by NGOs, CBOs, persons, banks & self-aid promoting organizations. Government- owned District Level Development Agencies (DRDA) & corresponding State governments as well offer training & monetary help.
  • The scheme aims on organizing microenterprises in rural regions.
  • The SHGs made can consists of members varying in number depending on the topography & physical aptitudes of the associates. It goes by 3 stages of making:

Group creation

  • Capital creation by rotating fund & skill growth &
  • Implementation of financial action for ability creation.
  • The SHGs are frequently formed by choosing persons of Below poverty-line (BPL) inventory obtained from Gram sabha in the country.
  • The SHGs are split into several blocks & every block focused on four to five main actions.
  • The SGSY is chiefly run by government- organized DRDAs with aid from local personal organizations, banks & Panchayati raj organizations also.
  • The Government as well aids village people in advertising their goods by having melas or festivlas, displays, etc during different time.


  • For small irrigation works, every SHG can have 10-20 persons. For the region of hilly land, deserts & other thinly populated regions or if the SHGs consist of disabled persons, this figure can be limited to members of five only.z


  • Government subsidy allocated for SGSY per individual is 30% of the total capital investment if the total investment is less than Rs. 7,500 and 50% of the investment for SC/STs if the investment is less than Rs.10,000.
  • For self-help groups, the government offers a subsidy of 50% if the total investment is less than Rs. 1.25 lakhs.
  • There are no monetary ceilings on subsidy in the case of irrigation projects.
  • The SGSY concentrates on the marginalized sections of society. Accordingly, SC/STs comprise 50 percent, women 40% and the physically challenged make up 3% of the total beneficiaries from the scheme.
  • Government funding for the scheme is divided between the Center and State on a 75-25 basis.

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