Vyapari Kshatipurti Yojana 2025: The Haryana government has rolled out the Vyapari Kshatipurti Yojana 2025, a dual-benefit scheme designed to shield small and medium traders from financial losses caused by disasters, accidents, or theft. With compensation slabs reaching ₹20 lakh and accident insurance coverage at a nominal ₹50 premium, this initiative targets GST-registered businesses, offering them a safety net in challenging times.
Key Features of the Scheme
1. CM Traders Compensation Scheme:
- Compensation Range: ₹5 lakh to ₹20 lakh based on annual turnover (see table below).
- Coverage: Losses due to fire, natural disasters, theft, or accidents.
- Eligibility: Mandatory GST registration and proof of annual turnover.
2. CM Traders Group Accident Insurance:
- Coverage: ₹5 lakh for disability/death of the trader.
- Premium: Just ₹50 annually.
- Eligibility: GST registration and Haryana residency.
Compensation Slabs & Annual Fees
| Annual Turnover | Compensation Amount | Annual Fee |
|---|---|---|
| Up to ₹20 lakh | ₹5 lakh | ₹100 |
| ₹20 lakh – ₹50 lakh | ₹10 lakh | ₹500 |
| ₹50 lakh – ₹1 crore | ₹15 lakh | ₹1,000 |
| Above ₹1 crore (max ₹1.5 cr) | ₹20 lakh | ₹2,000 |
Note: Fees apply only to GST-registered traders.
Who Can Apply?
- Residency: Must be a native of Haryana.
- GST Registration: Valid GST certificate is mandatory.
- Turnover Proof: Submit annual turnover documents.
- Business Type: Micro, small, or medium enterprises.
Documents Required
- Aadhaar card and ID proof.
- GST registration certificate.
- PAN card and caste certificate (if applicable).
- Latest tax returns and annual turnover proofs.
- Trade-related bills and ration card.
How to Claim Benefits?
Verification: Authorities will cross-check GST records and turnover details.
Report the Incident: File a police report for theft/accidents or a disaster assessment certificate.
Submit Online/Offline: Apply via the Haryana Trade Portal (link to be updated) or visit district trade offices.
