Mukhyamantri Swarozgar Yojana Name Mismatch in Uttarakhand

From a public scheme directory's entries for the scheme and its smaller version. We left out the loan limits and subsidy rates, which change.

Four of these papers carry a name and come from four offices: the identity authority, the tehsil, the supply office and a school board. None of them was made with the others in view.

The third is the cruel one. An applicant passes the district committee, tells the family, and is then turned back at a bank counter over the spelling of an account opened ten years ago.

Step 1: List the papers the application asks for

Aadhaar, the residence certificate, the ration card, a category certificate where you claim one, and the project details.

Step 2: Add the papers the bank will ask for

PAN, the bank passbook and, for the smaller scheme, an education certificate.

Step 3: Read your name on each, and your father's or husband's

Letter by letter. Write the differences down.

Step 4: Take Aadhaar as the fixed point

The form is filled from it. Bring the others to it, unless Aadhaar itself is the paper that is wrong.

Step 5: Have the state's certificates corrected or reissued

The residence and category certificates at the tehsil, through the state's service portal.

Step 6: Bring the bank account and PAN to the same name

The loan and the subsidy both pass through that account.

Step 7: Have quotations and the project report made in that name

Suppliers write what they are told. Tell them the name on Aadhaar.

Step 8: Apply on the portal, and read the printed application

Before the industries office and the bank see it.

• A ration card lists a household, written by the supply office from what the head of the family said.
• Children are often entered by pet names, and wives by the name used at home.
• It was never meant as proof of a name. The scheme lists it, so it is read as one.
• A member's name is corrected at the supply office, on Aadhaar.
• A married woman may still be on her father's card and not yet on her husband's. That shows two households for one person.
• The family register at the village office is the fuller record, and helps where the ration card is thin.

Read name change in ration card, name correction in the family register and name change after marriage.

• The state recommends. The bank lends its own money, and does its own checking.
• It reads Aadhaar and PAN against the account, and all three against the application.
• It draws a credit report, which is found by name, date of birth and PAN. A different spelling can bring up a thin file, or someone else's.
• The smaller scheme asks that the applicant is not a defaulter. An old unpaid loan under another spelling of the name still counts.
• The subsidy from the state comes into the loan account. A name that differs holds it.
• Go to the bank before the portal. Ask it to read your name as it holds it, and to say what it will want.

Read name change in bank records, name mismatch in a CIBIL credit report and CKYC name mismatch.

Step 1: Confirm that it is a change of name, and not a spelling or a married surname

Those are settled at the tehsil and the bank on ordinary papers.

Step 2: Weigh the time against the scheme's calendar

A Gazette commonly takes 3 to 7 weeks. Committees meet and targets close.

Step 3: Fix the exact new name

The spelling that will go on Aadhaar, PAN, the bank and the certificates.

Step 4: Make the affidavit and publish the newspaper notice

Sign before a notary. Publish in a daily local leading newspaper, and keep the original newspaper.

Step 5: Type the form and sign the undertaking

Two typed copies of the specimen, signed in your old name with two witnesses, and the undertaking.

Step 6: Prepare the CD, photographs and certificate

The same text on a CD in MS Word, two self-attested photographs with identity proof, and a certificate that both copies match.

Step 7: Pay the charge on BharatKosh

Commonly Rs 1,100 for an adult. It is not refunded.

Step 8: Send the file yourself, then update in order

Send it to the Controller of Publications, Department of Publication, Civil Lines, Delhi 110054. Then Aadhaar and PAN, the bank, the certificates, and then apply.

See gazette name change in Uttarakhand.

A typical case we handle: a man came back to Pauri from a hotel job in Delhi and applied to start a small bakery. His Aadhaar, made in Delhi, read "Sunil Kumar". His residence certificate from school days read "Sunil Singh Bisht", and his ration card "Sonu". The district office asked him to explain, and a cousin told him to get a Gazette. He had not changed any name. His class 10 certificate read "Sunil Singh Bisht". He corrected Aadhaar to that on the certificate, had the ration card and the bank account brought to it, and applied again. This is an illustrative example of the type of case we handle, not a named client review.

When you do not need us

For a spelling, a home name, a married surname and the bank's records. The tehsil, the supply office, the Aadhaar centre and the bank settle those. We are useful only where the applicant has changed a name by choice and a Gazette notification is asked for.

Which documents are needed for Mukhyamantri Swarozgar Yojana?

Aadhaar, a residence certificate, the ration card and project details, among others.

Who can apply for the scheme?

A native or permanent resident of the state, aged 18 or more.

Does the residence certificate have to match Aadhaar?

It should. Both name the applicant.

Is a gazette needed for an MSY name mismatch?

No. Only where the applicant changed a name by choice.

Why did the bank reject my loan after approval?

Often its own records or the credit report differ.

How do I correct my name on a residence certificate?

At the tehsil, through the state's service portal.

What is Mukhyamantri Swarojgar Yojana 2.0?

A new bank-loan-linked self-employment scheme of the Uttarakhand Government, known as MSY 2.0. It runs from financial year 2025-26 to 2029-30, through the Directorate of Industries and the District Industries Centres.

Is the Nano scheme still running separately?

No. As reported, the earlier Mukhyamantri Swarozgar Yojana and the Nano scheme have been merged into MSY 2.0, and new applications are taken only under MSY 2.0.

How much loan can I get under MSY 2.0?

Up to Rs 25 lakh project cost for a manufacturing unit and up to Rs 10 lakh for service and trade, subject to the project being viable.

How much subsidy does MSY 2.0 give?

Margin money of 15 to 30 per cent of project cost, by district category. In Category A and B districts it is 30 per cent on cost up to Rs 2 lakh, 25 per cent on the part from Rs 2 to 10 lakh, and 20 per cent on the part from Rs 10 to 25 lakh.

When is the subsidy actually given?

The margin money is kept as a term deposit. After the project has run for two financial years and a joint physical inspection is done, it is adjusted as subsidy in the loan account, so the name on that account has to be right.

How much must I put in myself?

A guide to MSY 2.0 says a general category applicant deposits 10 per cent of the project cost in the bank as own contribution, and that there is no upper age limit. Confirm with the District Industries Centre.