Introduction Mizoram Bana Kaih (Handholding) Scheme 3.0 is a livelihood and entrepreneurship promotion initiative launched by the Government of Mizoram. Implemented by the Planning & Programme Implementation Department, the scheme supports eligible individuals, groups, startups, SHGs, cooperatives, and business entities in establishing sustainable income-generating projects. Under the scheme, selected Progress Partners can avail collateral-free bank loans up to ₹50 lakh along with 100% interest subvention, government-backed guarantee support, training, technical guidance, and market linkage assistance. The initiative aims to strengthen self-employment opportunities and encourage economic growth across the state. The scheme also provides special financial assistance through the Chief Minister Special Package, offering grants up to ₹50,000 in deserving cases where loan support is not feasible. Additional support includes capacity-building programmes, business mentoring, venture capital assistance, and rehabilitation support for eligible projects. Applications can be submitted online through the Mizoram Handholding Portal or with assistance from district and block-level government offices. Benefits Collateral-free loan assistance up to ₹50 lakh for eligible projects. 100% interest subvention on approved loans. Government guarantee support based on project category. CM Special Package grant up to ₹50,000 in eligible cases. Support for livelihood, business, startup, and enterprise development. Technical guidance and project mentoring. Mandatory capacity-building and entrepreneurship training. Market linkage and marketing assistance. Access to venture capital support for eligible startups. Rehabilitation assistance for projects affected by unforeseen circumstances. Institutional handholding throughout project implementation. Eligibility Applicant must be an Indian citizen and permanent resident of Mizoram. For loan assistance, age should generally be between 18 and 60 years. Applicant must have a viable livelihood or business project. Government employees are not eligible under individual category. Applicant should be willing to undergo training and project monitoring. Existing borrowers should generally possess a CIBIL score of 700 or above. Must comply with conditions of the converged central scheme, where applicable. Recognized startups are eligible to apply. SHGs, Cooperatives, FPOs, Registered Societies, M-PACS, LLPs, Partnership Firms, and Companies may also apply under eligible categories. Documents Passport-size Photograph. Aadhaar Card. Voter ID Card. Bank Passbook or Bank Account Details. Ration Card. PAN Card (where applicable). Educational Qualification Certificate. Udyam Registration Certificate (if applicable). Category Certificate, if applicable. Detailed Project Report. Quotation for machinery/equipment. Land, rental, or infrastructure-related documents. Trade License or required permits. Any other project-specific document required by the department. Process to Apply Visit the Mizoram Handholding Portal. Register as a new user and create an account. Log in using registered credentials. Select the required support category. Fill in personal, business, and project details. Upload the project report and supporting documents. Submit the application online. Receive acknowledgment and application confirmation. The concerned department verifies project feasibility and documents. Selected applicants undergo assessment and approval processes. Approved beneficiaries receive financial and handholding support. Important Links and Contact Official Portal Nodal Department: Planning & Programme Implementation Department, Government of Mizoram Mode of Application: Online and Offline List of Trades Helpline Number: 8119019900 FAQs Q1. What is Mizoram Bana Kaih Scheme 3.0?It is a livelihood and entrepreneurship support scheme providing financial, technical, and institutional assistance to eligible beneficiaries. Q2. Who implements the scheme?The Planning & Programme Implementation Department, Government of Mizoram, is the nodal agency. Q3. What is the maximum loan amount available?Eligible applicants can avail loans up to ₹50 lakh. Q4. Is interest subsidy available under the scheme?Yes, selected beneficiaries can receive 100% interest subvention on eligible loans. Q5. What is the CM Special Package?It is a grant assistance of up to ₹50,000 for eligible applicants unable to access loan support. Q6. Can startups apply under the scheme?Yes, recognized startups are eligible subject to scheme guidelines. Q7. Are training programmes mandatory?Yes, selected Progress Partners must participate in capacity-building training. Q8. Can groups and organizations apply?Yes, SHGs, Cooperatives, FPOs, Societies, LLPs, and eligible companies can apply. Q9. Is collateral required for loans?Eligible loans are supported through government-backed guarantee mechanisms and may be available without collateral. Q10. How can applicants apply?Applications can be submitted through the Mizoram Handholding Portal or with assistance from designated government offices.