What do you get under Bana Kaih?
Bank loans for farming, livestock and business projects with the state standing as guarantor (for example up to ₹10 lakh on Mudra loans and up to ₹50 lakh on PMEGP), and the interest paid back by the state every six months if you repay on time.
Bana Kaih: latest updates
- The Chief Minister told the Assembly that 483 of 742 selected Progress Partners had received loans worth ₹43.77 crore, and 3,109 people got the CM Special Package. official source
Who is eligible for Bana Kaih?
- Permanent residents of Mizoram aged 18 to 60, applying as an individual or as a group.
- CIBIL score of 700 or more. If you have never taken a loan (score of -1) you can still apply.
- You must complete the government’s mandatory training before the loan.
Also check:
- Interest is reimbursed only if every instalment is paid on time. Defaulters lose the interest support and are reported as per RBI rules.
- For KCC (crop loans) and the National Livestock Mission the state cannot stand guarantor, but it can still pay the interest.
- Get quotations from the supplier first: the bank pays the supplier directly, not your account.
Documents needed for Bana Kaih
0 of 6 ready
Offices may ask for more. Check the official list before you go.
How to apply for Bana Kaih
- Register on handholding.mizoram.gov.in and fill the Common Form (Part I), then the DPR form (Part II) with your project plan.
- Choose individual (Mimal) or group (Pawl) application. Read the loan guidance on the portal before you submit.
- Submit before the last date shown on the portal. Selected applicants (Progress Partners) are sent to a partner bank.
How to check Bana Kaih status
- Log in to handholding.mizoram.gov.in to see your project reference number and status, or call the helpline in office hours.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for Bana Kaih?
Permanent residents of Mizoram aged 18 to 60, applying as an individual or as a group. CIBIL score of 700 or more. If you have never taken a loan (score of -1) you can still apply. You must complete the government’s mandatory training before the loan.
How much do I get under Bana Kaih?
Bank loans for farming, livestock and business projects with the state standing as guarantor (for example up to ₹10 lakh on Mudra loans and up to ₹50 lakh on PMEGP), and the interest paid back by the state every six months if you repay on time.
What documents do I need for Bana Kaih?
Aadhaar card (linked to your mobile number); Voter ID card (EPIC); Bank passbook or account details (Aadhaar-seeded account); Passport-size photo; Mobile number for OTP; PAN card.
How do I apply for Bana Kaih?
Register on handholding.mizoram.gov.in and fill the Common Form (Part I), then the DPR form (Part II) with your project plan. Choose individual (Mimal) or group (Pawl) application. Read the loan guidance on the portal before you submit. Submit before the last date shown on the portal. Selected applicants (Progress Partners) are sent to a partner bank. Official site: https://handholding.mizoram.gov.in/
How do I check Bana Kaih status?
Log in to handholding.mizoram.gov.in to see your project reference number and status, or call the helpline in office hours.
Do I have to pay anyone to apply for Bana Kaih?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Official sources
- Bana Kaih (Handholding) Scheme official portal, Govt of Mizoram
- All India Radio News Aizawl (Mizo bulletin), August 2026: loans under Bana Kaih
Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.