Describes the salient features of Pradhan Mantri Rojgar Yojana (PMRY) and procedure of its implementation.

The Pradhan Mantri Rojgar Yojana (PMRY) is an initiative launched by the Government of India to promote employment generation, particularly among the youth and economically weaker sections of society. The program, which has undergone several transformations since its inception, is designed to provide financial assistance to entrepreneurs to help them establish small businesses. This scheme plays a significant role in addressing unemployment, fostering self-employment, and contributing to poverty alleviation. Below are the salient features of PMRY, along with the procedure for its implementation.

### Salient Features of Pradhan Mantri Rojgar Yojana (PMRY)

1. Objective:  
The primary objective of the PMRY is to provide gainful employment to the educated unemployed youth, particularly from the weaker sections of society, including Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), women, and other marginalized groups. It encourages self-employment by facilitating loans for setting up small-scale businesses, enterprises, and industries.

2. Target Group:  
The scheme is primarily targeted at unemployed youth between the ages of 18 and 35, who are educated at least up to the 8th standard. The scheme has special provisions for vulnerable groups, including SC/ST candidates, women, physically challenged individuals, and those from rural and backward areas. Preference is given to first-generation entrepreneurs, those without prior business experience, and candidates from economically disadvantaged backgrounds.

3. Financial Assistance:  
Under PMRY, financial assistance is provided to set up small businesses. The scheme offers financial support in the form of loans, which are typically provided by banks. The loan amount varies depending on the nature of the business and the requirements of the applicant. The maximum loan available is Rs. 1 lakh for individuals and Rs. 2 lakhs for groups or partnerships. 

The financial assistance is provided in the form of a term loan, and the amount can be used to purchase equipment, machinery, or to cover working capital expenses. The repayment terms are flexible, with a grace period of six months to one year, and the loan repayment period can range from three to five years.

4. Loan Subsidy:  
To make the scheme more attractive to applicants, a subsidy is provided on the loan amount. The government provides a subsidy of up to 15% of the project cost, subject to a maximum of Rs. 12,500 for individual applicants. _____ _____ _______ _______ __________ _________.
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