Uttar Pradesh · Credit + Subsidy
ODOP Financial Assistance (Margin Money) Scheme, Uttar Pradesh
- Maximum benefit
- Margin money of 10–25% of project cost, up to ₹20 lakh, turned into a grant after 2 years
- Who can apply
- Micro, Small, Medium enterprises, for specific activities only
- Status
- Open
Is ODOP Margin Money UP open? Key facts at a glance
ODOP Margin Money UP (Uttar Pradesh): Margin money of 10–25% of project cost, up to ₹20 lakh, turned into a grant after 2 years.
Last verified: 20 Oct 2026. How we check our information
| Status | Open |
|---|---|
| Level | Uttar Pradesh State scheme |
| Type of benefit | Margin Money Subsidy on a Bank Loan |
| Maximum benefit | Margin money of 10–25% of project cost, up to ₹20 lakh, turned into a grant after 2 years |
| Project cost range | Any; slabs at ₹25 lakh, ₹50 lakh and ₹1.5 Crore |
| Who can apply | Micro, Small, Medium enterprises (Manufacturing, Service, Trading). Only for: Only for units making, servicing or trading in the One District One Product (ODOP) item notified for their own district. One benefit per applicant or family, and not for anyone who has already had a Central or State self-employment scheme. |
| Implementing agency | Department of MSME & Export Promotion, UP (Directorate of Industries & Enterprise Promotion; District Industries & Enterprise Promotion Centres) — ODOP Cell |
| Where to apply | Directorate of Industries UP portal |
| Official notification | Read the notification · notified 24 September 2018 |
| Last verified | 20 Oct 2026 · How we check |
What is ODOP Margin Money UP?
Run under the One District One Product (ODOP) programme by Government Order No. 13/2018/861/18-4-2018-18(Vividh)/17TC-1 of 24 September 2018.
Units in industry, services or business connected with the ODOP product identified for their district get bank finance with margin money from the State: 25% of project cost up to ₹6.25 lakh for projects up to ₹25 lakh; ₹6.25 lakh or 20% (whichever is higher) for ₹25–50 lakh; ₹10 lakh or 10% (whichever is higher) for ₹50 lakh–₹1.5 crore; and 10% up to ₹20 lakh above ₹1.5 crore.
No interest is charged on the margin-money part of the loan, and it is adjusted as a grant after two years of successful operation and a joint inspection.
Since the amending Government Order No. 423/18-4-2020-18(विविध)/17टीसी0-1 of 14 July 2020, applications are online only, the Deputy Commissioner (Industries) scrutinises them with a credit score card and sends them to the bank, and after the loan is sanctioned the margin money is released by DBT to the beneficiary’s account.
Whether the 2018 order’s term-deposit arrangement still applies after that amendment is to be confirmed with our expert team. Project cost covers capital expenditure (not land) and one cycle of working capital; a rented workshop can be included.
Official notification · notified 24 September 2018
What are the key benefits of ODOP Margin Money UP?
- Up to ₹25 lakh project cost: 25% margin money, up to ₹6.25 lakh.
- ₹25–50 lakh: ₹6.25 lakh or 20% of project cost, whichever is higher; ₹50 lakh–₹1.5 crore: ₹10 lakh or 10%, whichever is higher.
- Above ₹1.5 crore: 10% of project cost, up to ₹20 lakh.
- No interest on the margin-money part of the loan; adjusted as a grant after two years of successful running.
What could a unit get under ODOP Margin Money UP?
The ceiling the scheme sets. What a particular unit receives depends on its project cost, location and the conditions on this page, so no rupee figure is worked out here.
Up to the scheme’s limits: Margin money of 10–25% of project cost, up to ₹20 lakh, turned into a grant after 2 years
Illustrative only: this is the scheme’s maximum, not an estimate for your unit. Source: ODOP Financial Assistance Scheme — Government Order No. 13/2018/861/18-4-2018-18(Vividh)/17TC-1, 24 September 2018, as amended by Government Order No. 423/18-4-2020-18(विविध)/17टीसी0-1, 14 July 2020 (paras 3, 4 and 5(1)–(8)); UP MSME portal scheme page.
Who can apply for ODOP Margin Money UP?
- Age 18 or above; no educational qualification required.
- Unit in industry, service or business connected with the ODOP product identified for the district.
- Own contribution of 10% of project cost (5% for SC, ST, OBC, minority, women and divyang applicants).
- Not a defaulter; no earlier benefit under a Central or State self-employment scheme; once per family.
Eligible business types
MSME categories covered
Eligible industries
How do I apply for ODOP Margin Money UP?
- Apply online only, on the Directorate of Industries portal (GO of 14 July 2020, para 3).
- The Deputy Commissioner (Industries) scrutinises the application with a credit score card (at least 50 of 100 marks) and forwards it online to the bank within 7 days; a rejected application is returned with its score card. The district committee (DLTFC) no longer selects applicants; it reviews progress every quarter.
- The bank decides within a month; the loan is disbursed after the training, and the first instalment is paid within a month of the training.
- After the loan is sanctioned, the margin money is released by DBT to the beneficiary’s account; it is not drawn and parked in a bank account.
Apply at: Directorate of Industries UP portal
Which documents are needed for ODOP Margin Money UP?
- Application, affidavit and project report on the prescribed form
- Identity and age proof
- Category certificate (SC/ST/OBC, minority, woman, divyang) for the 5% own contribution
- Quotations for machinery and working capital estimate
Why are ODOP Margin Money UP applications rejected?
- Activity not linked to the district’s ODOP product
- Applicant or family member already benefited, or took another self-employment scheme
- Bank or government defaulter
- Own contribution (10%, or 5% for special categories) not deposited
Subsidy Setu's DPR preparation process addresses all common rejection points before filing.
Frequently asked questions about ODOP Margin Money UP
- Is ODOP Margin Money UP open?
- Yes, it is open for applications. Status last verified: 20 Oct 2026.
- Who can apply for ODOP Margin Money UP?
- Micro, Small, Medium enterprises (Manufacturing, Service, Trading). Only for: Only for units making, servicing or trading in the One District One Product (ODOP) item notified for their own district. One benefit per applicant or family, and not for anyone who has already had a Central or State self-employment scheme.
- What is the maximum benefit under ODOP Margin Money UP?
- Margin money of 10–25% of project cost, up to ₹20 lakh, turned into a grant after 2 years.
- How do I apply for ODOP Margin Money UP?
- 1. Apply online only, on the Directorate of Industries portal (GO of 14 July 2020, para 3). 2. The Deputy Commissioner (Industries) scrutinises the application with a credit score card (at least 50 of 100 marks) and forwards it online to the bank within 7 days; a rejected application is returned with its score card. The district committee (DLTFC) no longer selects applicants; it reviews progress every quarter. 3. The bank decides within a month; the loan is disbursed after the training, and the first instalment is paid within a month of the training. 4. After the loan is sanctioned, the margin money is released by DBT to the beneficiary’s account; it is not drawn and parked in a bank account. Apply at: Directorate of Industries UP portal.
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