The scheme under which one has to apply in rural areas now is Swama Jayanti Gram Swarozgar Yojana (SJGSY). All the earlier self-employment generating programmes have now been re-designed and restructured to improve their effectiveness and merged into a single programme (SJGSY) from 1st April, 1999.
The objective of this scheme is to help the poor families to cross the poverty line by providing them income yielding assets through a mix of bank loans and government subsidies. If the shop is to be opened in urban area then one should apply under Swama Jayanti Shahari Rozgar Yojana (SJSRY) . which seeks to provide self-employment to urban poor.