UP MSME Loan Mela & ODOP — Loans for UP Businesses

What is UP MSME Loan Mela?

UP MSME Loan Mela is a special event-based camp organized by the Government of Uttar Pradesh where MSMEs (Micro, Small and Medium Enterprises) can get on-the-spot loan sanctions from participating banks — collateral-free and with minimum documentation.

Loan Melas are held periodically at district headquarters across UP. Entrepreneurs, artisans, and small business owners attend and receive loan sanction letters directly at the event.

What is ODOP?

ODOP (One District One Product) is the UP government's flagship programme that:

1. Identifies one specialty product for each district (e.g., Varanasi → Banarasi silk; Agra → leather footwear; Moradabad → brassware)
2. Provides financial support (subsidy on loans) to artisans and enterprises making that product
3. Supports marketing — domestic and international exhibitions

ODOP — Financial Benefits

For Micro Enterprises (making ODOP product):

• 25% margin money subsidy on project loans (max ₹6.25 lakh)
• Loan facilitated through banks
• Common Facility Centres (CFCs) set up for shared equipment

For Artisan-level (Vishwakarma-type):

• Toolkits worth ₹10,000–₹15,000 (similar to PM Vishwakarma)
• Skill training linked to the district's ODOP product

ODOP Products by Key Districts

Check the complete list at odopup.in.

Who is Eligible?

For MSME Loan Mela:

• Any MSME registered in Uttar Pradesh
• Should have Udyam registration (MSME registration)
• Attending the Loan Mela event in their district

For ODOP Subsidy:

• Entrepreneur or artisan making the specific ODOP product of their district
• Registered unit (or willing to register)
• Age: 18 to 50 years typically

How to Apply for ODOP Subsidy

1. Go to diupmsme.upsdc.gov.in or odopup.in
2. Find the ODOP subsidy scheme for your district
3. Register with Aadhaar + mobile OTP
4. Fill application: business type, ODOP product, project cost
5. Upload documents
6. The application goes to your District Industries Centre (DIC)
7. DIC forwards to bank for loan sanction
8. 25% margin money released by government to bank upon loan disbursement

How to Attend MSME Loan Mela

MSME Loan Melas are announced via:

• District Magistrate's office notifications
• DIC (District Industries Centre) announcements
• UP government press releases

On the day:

1. Bring your business registration and loan application documents
2. Banks have stalls — submit application to your preferred bank
3. For eligible cases, on-the-spot sanction letters may be issued
4. Loan disbursement happens through normal bank process after the mela

Documents Required (for both schemes)

1. Aadhaar card (proprietor/partners)
2. Udyam Registration certificate
3. ODOP product proof — type of product, machinery, workshop details
4. Project report — cost estimate, expected revenue
5. Bank account (nationalized/scheduled bank)
6. GST registration (if applicable)
7. Caste certificate (SC/ST for priority)
8. Passport-size photograph

Frequently Asked Questions

My district's ODOP product is silk, but I make leather goods. Can I still apply for ODOP?

ODOP subsidy is specifically for the designated product of your district. For non-ODOP products, apply under the UP Mukhyamantri Yuva Swarozgar Yojana (25% margin money for any business) or PMEGP.

Can I combine ODOP subsidy with MSME Loan Mela?

Yes — you can apply for a loan at an MSME Loan Mela for your ODOP product and also claim the ODOP 25% subsidy. The Loan Mela helps fast-track loan sanction; the subsidy is applied separately.

Is ODOP only for artisans, or can I start a factory making the ODOP product?

ODOP supports both artisans (small-scale) and enterprises (factory-level). Subsidy quantum differs — contact your DIC for the applicable tier for your scale.

How do I check when the next MSME Loan Mela is in my district?

Check the diupmsme.upsdc.gov.in portal, or contact your District Industries Centre (DIC). Announcements are also made on the UP government's official social media.

Official Links

• ODOP UP: odopup.in
• UP MSME/DIC: diupmsme.upsdc.gov.in
• UP MSME Department: msme.up.gov.in
• ODOP helpline: 0522-2238902