The Bana Kaih (Handholding) Scheme is a special program started by the Mizoram Government to help people become self-sufficient. It was launched by Chief Minister Pu Lalduhoma on September 19, 2024. This scheme gives financial, technical, and institutional support to the people. It provides interest-free and collateral-free bank loans of up to Rs. 50 lakhs. There is also a special category where people can get a grant-in-aid of up to Rs. 1 lakh. Farmers get market support to keep crop prices stable. The government helps different sectors equally. This scheme will improve the economy, mainly helping farmers and small businesses. It is now in a pilot phase for the financial year.
Mizoram Bana Kaih Scheme Budget Allocation
Mizoram Chief Minister Lalduhoma presented the state budget for 2025-26, which is Rs. 15,198.76 crore. A big focus of this budget is the Bana Kaih Scheme, which is the government’s important program to help people become self-sufficient. The government has set aside Rs. 350 crores for this scheme to provide financial and technical support. This will help farmers, small businesses, and different sectors grow. The Bana Kaih Scheme is expected to improve the state’s economy and make life better for many people. The government wants to make sure everyone gets equal benefits through this scheme.
Motive of Bana Kaih Scheme
The Bana Kaih Scheme aims to help people and improve Mizoram’s economy:
- Different departments and people will work together for better results.
- Money and resources will be used wisely to help people earn more.
- Entrepreneurs, workers, and businesses will be supported to create jobs.
- Young people will get training and support to start businesses.
- Government offices will be made stronger to help people better.
- Farming and industries will grow in a planned and eco-friendly way.
- People will get the services they need easily.
- Communities will take part in their development.
- Women and men will have equal chances.
- Decisions will be made using proper data and facts.
Key Highlights of Bana Kaih Scheme
| Name of the Scholarship | Bana Kaih Scheme |
| Launched By | Chief Minister Pu Lalduhoma |
| Launch Date | September 19, 2024 |
| Objective | Support farmers, businesses, youth |
| Loan Support | Up to Rs. 50 lakhs |
| Special Grant | Up to Rs. 1 lakh |
| Market Assistance | Fair prices for farmers |
| Youth Empowerment | Skills, startups, jobs |
| Departments Involved | Many govt. departments |
Eligibility Criteria
People who can get help from the Bana Kaih Scheme are:
- Must be a resident of Mizoram.
- Farmers, small business owners, and young entrepreneurs can apply.
- People who want to start or grow their business are encouraged.
- Groups or societies working for development can also apply.
- Women and men both have equal chances to get benefits.
Financial Benefits
People can get different types of financial support from this scheme:
- Collateral-free and interest-free bank loans of up to Rs. 50 lakhs.
- Grant-in-aid of up to Rs. 1 lakh under the Chief Minister’s Special Category Scheme.
Required Documents
Applicants need to submit the following documents for the Bana Kaih Scheme:
- Aadhaar Card
- Identity Proof
- Address Proof
- Bank Account Details
- Business or Project Plan (if applicable)
- Income Certificate
- Caste or Community Certificate
- Land or Property Documents (if applicable)
List of Departments
The following departments will be responsible for implementing the Bana Kaih Scheme:
- Agriculture & Farmers Welfare Department
- Animal Husbandry & Veterinary Department
- Commerce & Industry Department
- Cooperation Department
- Fisheries Department
- Horticulture Department
- Information & Public Relations Department
- Irrigation & Water Resources Department
- Labour, Employment, Skill Development and Entrepreneurship Department
- Land Resources, Soil & Water Conservation Department
- Planning & Programme Implementation Department
- Rural Development Department
- Sericulture Department
- Sports & Youth Services Department
- Tourism Department
- Urban Development & Poverty Alleviation Department
Salient Features
The Bana Kaih Scheme has many important features to help people grow:
- It provides interest-free and collateral-free loans to support businesses and farmers.
- Special grants are given to help small businesses and entrepreneurs start or expand.
- Farmers get market support to make sure they get fair prices for their crops.
- The scheme helps young people by promoting skill development and startups.
Bana Kaih Scheme Application Process
People need to follow a simple process to apply for the Bana Kaih Scheme:
Step 1: Visit the nearest bank branch that supports the scheme.
Step 2: Ask for the application form of Bana Kaih Scheme.
Step 3: Fill out the application form and attach the relevant documents as needed.
Step 4: Submit the application form to the bank officers.
Step 5: Bank officers will verify the application form, check eligibility, and then process the application.
Step 6: If your application is approved, the loan or grant amount will be sent to your bank account.
FAQs
Who launched the Bana Kaih Scheme?
The scheme was launched by Mizoram Chief Minister Pu Lalduhoma.
When was the Bana Kaih Scheme launched?
It was launched on September 19, 2024.
How much loan can be availed under this scheme?
People can get interest-free loans of up to Rs. 50 lakhs.
Who can apply for this scheme?
Farmers, small business owners, young entrepreneurs, and community groups can apply.
Which departments are involved in this scheme?
Many government departments, including Agriculture, Rural Development, and Commerce, are involved.