Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) is a scheme launched by the government of Rajasthan to provide financial assistance to rural families for undertaking income-generating activities in various sectors such as agriculture, animal husbandry, horticulture, handicrafts, etc. The scheme also provides training, skill development, and marketing support to the beneficiaries to enhance their capacities and competitiveness. The yojana is implemented through self-help groups (SHGs) and village organizations (VOs) that act as intermediaries between the banks and the borrowers.
One of the components of this Rajasthan Rural Family Livelihood Loan Scheme (RRFLS) offers loans at subsidized interest rates to rural families for starting or expanding their livelihood activities. To avail of the benefits of RRFLS, one can apply online through the official website of RGPRY or contact their nearest SHG or VO for more details.
Contents
- 1 Overview: Gramin Parivar Aajivika Rin Yojana (RGPRY)
- 2 What is Rural Family Livelihood Loan Scheme (RRFLS)
- 3 Benefits & Features of Rajasthan Gramin Parivar Aajivika Rin Yojana
- 4 How to Apply for Rajasthan Gramin Parivar Aajivika Rin Yojana
- 4.1 Online Application
- 4.2 Offline Application
- 4.3 Contact Details of Gramin Parivar Aajivika Rin Yojana
- 4.4 Important Links of Gramin Parivar Aajivika Rin Yojana
- 4.5 FAQs on Rajasthan Gramin Parivar Aajivika Rin Yojana
- 4.5.1 What is RGPRY?
- 4.5.2 What is RRFLS?
- 4.5.3 Who can apply for RGPRY or RRFLS?
- 4.5.4 How much loan can I get under RGPRY or RRFLS?
- 4.5.5 What is the interest rate for RGPRY or RRFLS?
- 4.5.6 How can I repay the loan under RGPRY or RRFLS?
- 4.5.7 How can I apply for RGPRY or RRFLS?
- 4.5.8 Conclusion (Final Thoughts)
Overview: Gramin Parivar Aajivika Rin Yojana (RGPRY)
To avail of the benefits of RRFLS-2023, one can apply online through the official website of RGPRY or contact their nearest SHG or VO for more details. The table below summarizes the main aspects of the scheme, such as its objectives, eligibility criteria, loan amount, interest rate, repayment period, and application process.
| Aspect | Description |
| Objectives | To provide financial assistance to rural families for undertaking income-generating activities in various sectors. |
| Eligibility Criteria | A resident of Rajasthan & belongs to a rural family (BPL), a member of an SHG or VO |
| Loan Amount | The maximum loan amount is Rs. 1 lakh per family. |
| Interest Rate | The interest rate is 4% per annum for women borrowers and 6% per annum for men borrowers. |
| Repayment Period | The repayment period is up to 5 years with a grace period of 6 months. |
| Application Process | The application process is online through the 2official website of RGPRY or offline through the SHG or VO. |
If you want to know more about how to apply for RRFLS, you can read the next section of this article where we will explain the steps in detail.
What is Rural Family Livelihood Loan Scheme (RRFLS)
Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) is a scheme launched by the government of Rajasthan in 2019 to provide financial assistance to rural families for undertaking income-generating activities in various sectors. The scheme is also known as Rajasthan Rural Family Livelihood Loan Scheme (RRFLS) in English.
Objectives of the Scheme
The main objective of the scheme is to improve the quality of life and socio-economic status of rural families by enabling them to start or expand their livelihood activities and increase their income. The scheme also aims to provide training, skill development, and marketing support to the beneficiaries to enhance their capacities and competitiveness.
Sectors Covered by the Scheme
The scheme covers various sectors such as:
- Agriculture
- Animal husbandry
- Horticulture
- Handicrafts
- etc.
The beneficiaries can choose any sector or activity that suits their interest, skill, and local demand.
Loan Features of the Scheme
The scheme provides loans at subsidized interest rates to the beneficiaries for purchasing inputs, equipment, tools, raw materials, etc. required for their chosen activity. The loan features are as follows:
- The loan amount varies depending on the sector and activity chosen by the beneficiary. The maximum loan amount is Rs. 1 lakh per family.
- The interest rate is 4% per annum for women borrowers and 6% per annum for men borrowers. The interest rate is subsidized by the government of Rajasthan.
- The repayment period is up to 5 years with a grace period of 6 months. The repayment can be done in monthly, quarterly, or half-yearly installments.
Implementation of the Scheme
The scheme is implemented through self-help groups (SHGs) and village organizations (VOs) that are registered under RGPRY. The SHGs and VOs act as intermediaries between the banks and the borrowers. They help the beneficiaries in:
- forming groups
- selecting activities
- preparing business plans
- applying for loans
- receiving training
- availing marketing support
- etc.
Funding of the Scheme
The scheme is funded by the government of Rajasthan and the National Bank for Agriculture and Rural Development (NABARD). The government of Rajasthan provides interest subsidies and administrative costs to the yojana. NABARD provides refinance facilities to the banks that lend to the beneficiaries.
Impact of the Scheme
The yojana has been successful in reaching out to a large number of rural families across the state. As of March 2021, more than 10 lakh rural families have benefited from the scheme. The yojana has helped them to start or expand their livelihood activities and increase their income. The scheme has also empowered them to become self-reliant and confident entrepreneurs.
Benefits & Features of Rajasthan Gramin Parivar Aajivika Rin Yojana
Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) is a scheme launched by the government of Rajasthan in 2019 to provide financial assistance to rural families for undertaking income-generating activities in various sectors. The scheme also provides training, skill development, and marketing support to the beneficiaries. The yojana is implemented through self-help groups (SHGs) and village organizations (VOs) that act as intermediaries between the banks and the borrowers.
Benefits of RGPRY
RGPRY offers various benefits to rural families who want to start or expand their livelihood activities. Some of these benefits are:
- Subsidized interest rates: The beneficiaries can avail loans at 4% per annum for women borrowers and 6% per annum for men borrowers. The government of Rajasthan subsidizes the interest rate.
- Training and skill development: The beneficiaries can avail training on various aspects such as technical skills, financial literacy, business management, etc. This helps them to enhance their capacities and competitiveness.
- Marketing support: The beneficiaries can access marketing support such as market linkages, branding, packaging, etc. This helps them to increase their sales and profits.
- Self-reliance and confidence: The beneficiaries can diversify their income sources and reduce their dependence on agriculture. They can also access credit without collateral or guarantor and repay in easy installments. This empowers them to become self-reliant and confident entrepreneurs.
- Employment and migration: The beneficiaries can create or expand their livelihood activities in their own villages. This creates employment opportunities for other rural people who can work as suppliers, workers, customers, etc. This also reduces migration from rural areas.
- Socio-economic development: The beneficiaries can improve their living standards and social status. They can also boost the rural economy and enhance the state’s GDP.
Features of RGPRY
RGPRY covers different sectors and activities that can help rural families to increase their income and improve their quality of life. Some of the features of the scheme are:
- Sectors covered: The yojana covers various sectors such as agriculture, animal husbandry, horticulture, handicrafts, etc. The beneficiaries can choose any sector or activity that suits their interest, skill, and local demand.
- Loan amount: The loan amount varies depending on the sector and activity chosen by the beneficiary. The maximum loan amount is Rs. 1 lakh per family.
- Repayment period: The repayment period is up to 5 years with a grace period of 6 months. The repayment can be done in monthly, quarterly, or half-yearly installments.
- Implementation: The yojana is implemented through self-help groups (SHGs) and village organizations (VOs) that are registered under RGPRY. They help the beneficiaries in forming groups, selecting activities, preparing business plans, applying for loans, receiving training, availing marketing support, etc.
- Funding: The scheme is funded by the government of Rajasthan and the National Bank for Agriculture and Rural Development (NABARD). The government of Rajasthan provides interest subsidies and administrative costs to the scheme. NABARD provides refinance facilities to the banks that lend to the beneficiaries.
- Application process: The yojana has been designed to be simple, transparent, and user-friendly. The beneficiaries can apply online through the official website of RGPRY or offline through their SHGs or VOs.
One of the components of RGPRY is the Rajasthan Rural Family Livelihood Loan Scheme (RRFLS) which offers loans at subsidized interest rates to rural families for starting or expanding their livelihood activities. If you are interested in availing of the benefits and features of RRFLS, you can apply online through the official website of RGPRY or contact your nearest SHG or VO for more details.
How to Apply for Rajasthan Gramin Parivar Aajivika Rin Yojana
If you are a rural family who wants to avail the benefits of Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY), you can apply for the scheme online or offline. The scheme has a simple and user-friendly application process that involves the following steps:
Online Application
- Visit the official website of RGPRY and click on the “Apply Online” option (the official website is not available, we will update here soon).
- Register yourself by providing your name, mobile number, email id, and password.
- Login with your credentials and select “RRFLS” from the list of schemes. RRFLS stands for Rajasthan Rural Family Livelihood Loan Scheme, which is a component of RGPRY.
- Fill in the application form with your personal details, income details, activity details, loan details, etc.
- Upload scanned copies of your Aadhaar card, bank account details, income certificate, etc.
- Submit your application and take a printout of the acknowledgment slip.
Offline Application
- Contact your nearest self-help group (SHG) or village organization (VO) that is registered under RGPRY. You can find the list of SHGs and VOs on the official website of RGPRY.
- Get an application form from the SHG or VO and fill it in with your personal details, income details, activity details, loan details, etc.
- Attach copies of your Aadhaar card, bank account details, income certificate, etc. to the application form.
- Submit your application form and documents to the SHG or VO.
- Get an acknowledgment slip from the SHG or VO.
You can check the status of your application online or offline by using your application number or Aadhaar number. You can also contact the toll-free helpline number 1800-180-6000 or email at rgpry@rajasthan.gov.in for any queries or grievances related to the scheme.
Contact Details of Gramin Parivar Aajivika Rin Yojana
If you have any queries or grievances related to Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) or Rajasthan Rural Family Livelihood Loan Scheme (RRFLS), you can contact the following authorities:
- Toll-free helpline number: 1800-180-6000
- Email id: rgpry@rajasthan.gov.in
- Official website: NA
- Address: Rajasthan Gramin Parivar Aajivika Rin Yojana, Department of Rural Development and Panchayati Raj, Government of Rajasthan, Jaipur – 302005
You can also contact your nearest self-help group (SHG) or village organization (VO) that is registered under RGPRY. You can find the list of SHGs and VOs on the official website of RGPRY.
Important Links of Gramin Parivar Aajivika Rin Yojana
If you want to know more about Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) or Rajasthan Rural Family Livelihood Loan Scheme (RRFLS), you can visit the following official websites:
- Department of Rural Development and Panchayati Raj, Government of Rajasthan: https://rdprd.gov.in/.
- Official website of National Bank for Agriculture and Rural Development (NABARD): https://www.nabard.org/.
- Official website of Ministry of Rural Development, Government of India: https://rural.nic.in/.
These websites provide you with detailed information about the objectives, features, benefits, eligibility criteria, loan amount, interest rate, repayment period, application process, implementation, funding, contact details, etc. of RGPRY and RRFLS. You can also find the list of self-help groups (SHGs) and village organizations (VOs) that are registered under RGPRY. You can also download the application form, guidelines, brochures, reports, etc. related to the scheme from these websites.
FAQs on Rajasthan Gramin Parivar Aajivika Rin Yojana
If you have any doubts or questions about Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) or Rajasthan Rural Family Livelihood Loan Scheme (RRFLS), you can refer to the following frequently asked questions (FAQs):
What is RGPRY?
RGPRY is a scheme launched by the government of Rajasthan in 2019 to provide financial assistance to rural families for undertaking income-generating activities in various sectors. The scheme also provides training, skill development, and marketing support to the beneficiaries. The yojana is implemented through self-help groups (SHGs) and village organizations (VOs) that act as intermediaries between the banks and the borrowers.
What is RRFLS?
RRFLS is a component of RGPRY that offers loans at subsidized interest rates to rural families for starting or expanding their livelihood activities. The scheme covers various sectors such as agriculture, animal husbandry, horticulture, handicrafts, etc.
Who can apply for RGPRY or RRFLS?
The candidate must be a resident of Rajasthan. The applicant must belong to a rural family that is below the poverty line or marginally above it. The candidate must be a member of a self-help group (SHG) or a village organization (VO) that is registered under RGPRY. The applicant must have a valid Aadhaar card and bank account.
How much loan can I get under RGPRY or RRFLS?
The loan amount varies depending on the sector and activity chosen by the applicant. The maximum loan amount is Rs. 1 lakh per family.
What is the interest rate for RGPRY or RRFLS?
The interest rate is 4% per annum for women borrowers and 6% per annum for men borrowers. The interest rate is subsidized by the government of Rajasthan.
How can I repay the loan under RGPRY or RRFLS?
The repayment period is up to 5 years with a grace period of 6 months. The repayment can be done in monthly, quarterly, or half-yearly installments.
How can I apply for RGPRY or RRFLS?
You can apply online through the official website of RGPRY or offline through your SHG or VO. You have to fill an application form and submit it along with the required documents such as an Aadhaar card, bank account details, income certificate, etc. The application is verified by the SHG or VO and forwarded to the bank for approval. The loan amount is disbursed to your bank account after approval.
Conclusion (Final Thoughts)
Rajasthan Gramin Parivar Aajivika Rin Yojana (RGPRY) is a scheme that provides financial assistance to rural families for undertaking income-generating activities in various sectors. The scheme also provides training, skill development, and marketing support to the beneficiaries. The yojana is implemented through self-help groups (SHGs) and village organizations (VOs) that act as intermediaries between the banks and the borrowers.
One of the components of RGPRY is the Rajasthan Rural Family Livelihood Loan Scheme (RRFLS) that offers loans at subsidized interest rates to rural families for starting or expanding their livelihood activities. The scheme has several benefits for rural families, such as diversifying their income sources, reducing their dependence on agriculture, accessing credit without collateral or guarantor, becoming self-reliant and confident entrepreneurs, creating employment opportunities, reducing migration from rural areas, and contributing to the socio-economic development of rural areas and the state.
The yojana has a simple and user-friendly application process that can be done online or offline. The scheme has a toll-free helpline number and an email id for any queries or grievances related to the scheme. The yojana has been successful in reaching out to a large number of rural families across the state and helping them to start or expand their livelihood activities and increase their income.
We hope this article has provided you with useful information about RGPRY and RRFLS. If you are a rural family who wants to start or expand your livelihood activities, we encourage you to apply for the scheme and avail the benefits. We wish you all the best for your future endeavors.
