Revolutionary UP Mukhyamantri Sukshma Udyami Durghatna Bima Yojana- Micro entrepreneurs will get financial assistance of Rs. 05 lakh in case of total disability due to death or accident. I यूपी में मुख्यमंत्री सूक्ष्म उद्यमी दुर्घटना बीमा योजना शुरू

The Uttar Pradesh government has unveiled a groundbreaking initiative aimed at benefiting citizens across all walks of life. Chief Minister Yogi Adityanath, on World Entrepreneurship Day, August 21, 2023, introduced the “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana” (Chief Minister’s Micro Entrepreneur Accident Insurance Scheme). This visionary scheme seeks to provide insurance coverage to micro-entrepreneurs in the state, offering protection against accidental death or disability. Over the next five years, this program will continue to safeguard the interests of Uttar Pradesh’s vibrant entrepreneurial community.

Detailed Overview

In a bid to promote entrepreneurship and provide much-needed support to micro-entrepreneurs in Uttar Pradesh, Chief Minister Yogi Adityanath unveiled the “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana” on August 21, 2023. This initiative, launched on World Entrepreneurship Day, aims to extend insurance benefits to micro-entrepreneurs in the state, offering financial protection in case of accidental death or disability.

Objective of UP Mukhyamantri Sukshma Udyami Durghatna Bima Yojana

The primary objective of the “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana,” introduced by the Uttar Pradesh government, is to provide financial support to micro-industries in the state in the unfortunate event of the entrepreneur’s death or disability due to an accident. This scheme serves to prevent financial crises for the entrepreneur’s family in the event of their demise. In cases of temporary disability resulting from an accident, benefits will be disbursed based on the percentage of disability as documented in the disability certificate. This support will empower beneficiaries to enhance their economic well-being, covering all entrepreneurs in the state under this comprehensive scheme.

Benefits and Features of Mukhyamantri Sukshma Udyami Durghatna Bima Yojana

The “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana,” rolled out by the Government of Uttar Pradesh boasts several noteworthy benefits and features:

1. Universal Coverage: 

This scheme extends insurance coverage to all entrepreneurs in the state.

2. Financial Security: 

In the event of accidental death or permanent disability, the state government will provide insurance coverage of up to Rs 5 lakh.

3. Percentage-Based Benefits: 

Temporary disability resulting from an accident will be compensated according to the documented percentage of disability in the disability certificate.

4. Disbursement: 

In the case of disability, the insurance amount will be transferred directly to the entrepreneur’s bank account, while in the unfortunate event of death, it will be deposited into the bank account of the entrepreneur’s family.

5. Extensive Reach: 

This scheme will benefit more than 90 lakh entrepreneurs in Uttar Pradesh, provided they meet the capital and turnover criteria set by the government, which includes those with less than 5 crore capital and less than 40 lakh turnover.

6. Udyam Portal: 

To avail of the benefits of the MSME Accident Bima Yojana, entrepreneurs are required to register themselves on the Entrepreneurship Portal of the Government of India.

7. Timely Application: 

To access the accident insurance scheme, applicants must apply within one month of the accident.

8. Motivation for Entrepreneurship: 

This initiative is expected to encourage entrepreneurship and motivate individuals to start their own businesses.

9. Registration Flexibility: 

The registration process can be completed both online and offline over the next year, ensuring accessibility for all eligible entrepreneurs.

10. Economic Improvement: 

By availing of this scheme, applicants and their families can expect an improvement in their economic conditions.

11. Empowerment: 

Eligible beneficiaries will gain self-reliance and empowerment through the benefits offered by this scheme.

Eligibility for Mukhyamantri Sukshma Udyami Durghatna Bima Yojana

To qualify for the “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana,” applicants must meet the following criteria:

1. Residence: 

The applicant must be a native of Uttar Pradesh.

2. Entrepreneurship: 

Only micro-entrepreneurs operating within the state are eligible to apply.

3. Age Range: 

The candidate’s age should fall within the range of 18 to 60 years.

4. Aadhaar Linkage: 

The applicant’s bank account must be linked to their Aadhaar card.

5. Udyam Portal Registration: 

The benefits of this scheme are available to all entrepreneurs registered on the Udyam portal.

Documents Required for UP Mukhyamantri Sukshma Udyami Durghatna Bima Yojana

To apply for the “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana,” applicants need to provide the following documents:

1. Aadhar card: 

As proof of identity.

2. Address proof: 

To confirm residence within Uttar Pradesh.

3. Entrepreneurship Certificate: 

To establish eligibility as a micro-entrepreneur.

4. Disability Certificate (if applicable): 

Necessary if the applicant has a disability.

5. Death Certificate (if applicable): 

Required for claims related to the demise of the entrepreneur.

6. Udyam Portal Registration Number: 

Confirming registration as a micro-entrepreneur.

7. Bank Account Statement: 

To facilitate fund disbursement.

8. Passport-sized Photo: 

As part of the application process.

9. Mobile Number: 

For communication purposes.

How to Apply under Mukhyamantri Sukshma Udyami Durghatna Bima Yojana

To access the benefits of the “Chief Minister’s Micro Entrepreneur Accident Insurance Scheme,” micro-entrepreneurs in Uttar Pradesh will soon be able to apply through the official website, which is expected to be launched shortly. Currently, specific details regarding the application process have not been made public. As soon as the government releases information on the application process, we will update this article to ensure that you can easily apply for the Mukhyamantri Sukshma Udyami Durghatna Bima Yojana and secure the benefits it offers.

Conclusion 

The “Mukhyamantri Sukshma Udyami Durghatna Bima Yojana” represents a significant stride towards bolstering the micro-entrepreneurial ecosystem in Uttar Pradesh. This pioneering initiative is poised to provide financial security to micro-entrepreneurs, empowering them to pursue their dreams and contribute to the state’s economic growth. Stay tuned for updates on the application process, and take advantage of this remarkable opportunity for financial protection and empowerment.

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