What this scheme offers
One District One Product (ODOP) is Uttar Pradesh's strategy of backing one signature product in each of its 75 districts — Varanasi silk, Agra leather, Moradabad brassware, Lucknow chikankari, Firozabad glass and so on. The margin-money scheme is its financing arm: a unit that makes the district's ODOP product and takes a bank loan gets part of the project cost as a grant, which cuts the amount the entrepreneur must put in. The grant is 25% of the project cost (maximum ₹6.25 lakh) for projects up to ₹25 lakh; ₹6.25 lakh or 20%, whichever is higher, for ₹25–50 lakh; ₹10 lakh or 10%, whichever is higher, for ₹50–150 lakh; and 10% capped at ₹20 lakh above ₹150 lakh.
Who is eligible
- Resident of Uttar Pradesh aged at least 18; there is no educational qualification requirement.
- The unit must make or process the ODOP product identified for your district — artisans, weavers, craftsmen, farmers, women entrepreneurs and MSME units are all covered.
- A new or expanding project financed with a bank loan.
- The applicant or unit must not be a defaulter of any bank, financial institution or government body.
Documents required
- Aadhaar card
- Proof of Uttar Pradesh residence
- Detailed project report and quotations for machinery
- Proof that you make the district's ODOP product (artisan certificate or unit registration, where applicable)
- Bank account details
- Passport-size photograph
How to apply
- Check which product is the ODOP item for your district on the ODOP portal (odopup.in).
- Prepare a project report and fix the project cost, which decides the margin-money slab.
- Apply online on the UP MSME or ODOP portal for the margin-money scheme and upload the documents.
- The District Industries Centre (DIC) verifies the application and forwards it to the bank.
- After the bank sanctions the loan, the margin money is released against the project as per the scheme guidelines.