GARHWA: Beneficiaries of the Mukhyamantri Rojgar Srujan Yojana in Garhwa district have been given a final opportunity to clear their outstanding dues. The District Welfare Office has announced that all pending loan repayments must be deposited by December 31, 2025, failing which strict action will follow.
The scheme, launched to promote self-employment among SC, ST, OBC, and minority communities, provided loans ranging from ₹50,000 to ₹25 lakh for small businesses and entrepreneurial ventures. While thousands benefited from the program, officials report that a significant number of recipients have defaulted on repayments, prompting repeated notices throughout the year.
Earlier, on September 11, 2025, the Welfare Office issued its first directive, urging defaulters to settle dues within a week. When compliance remained low, a second notice was circulated between November 1 and 15, warning of legal consequences. Despite these reminders, many accounts remain unsettled.
Officials have now set December 31 as the absolute deadline. “This is the final chance for beneficiaries to honor their commitments. Non-payment will lead to FIRs under sections related to financial embezzlement, and names of defaulters will be published in newspapers,” said a senior Welfare Department officer.
The administration has emphasized that repayment is not just a legal obligation but also a step toward sustaining future welfare initiatives. “Funds recovered from these loans help us extend support to new applicants. Defaults hurt the entire community,” the officer added.
Beneficiaries are advised to visit the District Welfare Office with their loan documents and confirm the exact outstanding amount before making payments. Receipts and acknowledgments should be collected to avoid disputes later.
Local observers note that the scheme has transformed many lives, enabling small businesses to flourish in rural areas. However, the challenge of timely repayment persists, raising questions about financial literacy and monitoring mechanisms. Experts suggest that stricter follow-up and counseling could prevent defaults in future phases of the program.
For further details, beneficiaries can contact the District Welfare Office, Garhwa, during working hours. Officials have assured that help desks will be available to assist with queries and facilitate smooth transactions.
As the year draws to a close, the administration’s message is clear: clear your dues or face legal consequences. With just under two weeks left, the Welfare Office expects a surge in repayments. For those who have benefited from the scheme, this deadline is not merely a bureaucratic formality—it is a test of accountability and trust.