Coir Vikas Yojana (CVY)

What is Coir Vikas Yojana?

Coir Vikas Yojana (CVY) is a central sector scheme implemented by the Coir Board under the Ministry of Micro, Small and Medium Enterprises. Coir Vikas Yojana bundles several long-running Coir Board programmes; skill training, women's self-employment, worker welfare insurance, production infrastructure subsidy, and domestic and export market promotion, into a single umbrella scheme for India's coir industry.

The coir industry is concentrated in the coconut-growing states, with Kerala, Tamil Nadu, Karnataka, Andhra Pradesh and Odisha accounting for most production. Coir Vikas Yojana targets the two weakest points in that value chain: artisans who spin yarn on low-productivity manual equipment, and small units that cannot finance mechanisation on their own.

Key objectives

• Raise the productivity and earnings of coir workers, particularly rural women artisans, by replacing manual ratts with motorised equipment.
• Support modernisation and setting up of coir processing units through capital subsidy.
• Provide accident insurance cover to coir workers.
• Expand domestic and export markets for value-added coir products.

Main components of Coir Vikas Yojana

• Mahila Coir Yojana (MCY), training and 75% equipment subsidy for rural women artisans.
• Skill upgradation and training; awareness programmes, entrepreneurship development programmes, exposure tours, seminars and workshops.
• Development of Production Infrastructure (DPI), capital subsidy for new and modernising coir units.
• Welfare measures; Group Personal Accident Insurance Scheme for coir workers.
• Trade and industry related functional support services (TIRFSS) — market promotion, publicity and export facilitation.

Who is eligible for Coir Vikas Yojana?

You can apply if:

• You are a rural woman artisan in a coir-fibre producing region and are willing to complete the Coir Board's training programme, this is the route to the Mahila Coir Yojana ratt subsidy.
• You are a coir worker employed in spinning, defibring, weaving or coir product manufacture. This covers you for the welfare insurance component.
• You are an entrepreneur, coir cooperative society or existing coir unit setting up or modernising a defibring, spinning or coir product unit, this is the route to the production infrastructure subsidy.
• You are an existing coir exporter or manufacturer seeking market promotion and exhibition support.

You cannot apply if:

• You have no link to the coir sector. Coir Vikas Yojana is sector-specific; general small-business applicants are not eligible.
• You want the Mahila Coir Yojana ratt subsidy without completing the Coir Board training. The subsidy is released only after training is completed.
• You are seeking a cash grant or loan for personal use: Coir Vikas Yojana funds equipment, training and market activity, not personal expenditure.
• You are applying for a credit-linked project loan subsidy; that is Coir Udyami Yojana, a separate Coir Board scheme, not CVY.

What documents are required for Coir Vikas Yojana?

How to apply for Coir Vikas Yojana

Coir Vikas Yojana is administered through the Coir Board's field network rather than a single online citizen portal.

1. Identify the component that fits your case: Mahila Coir Yojana for a rural woman artisan, skill training for a worker seeking upskilling, or production infrastructure subsidy for a coir unit.
2. Visit the nearest Coir Board regional office, project office or showroom, or contact the Coir Board headquarters at Kochi, Kerala, and obtain the application form for that component.
3. For Mahila Coir Yojana, enrol in and complete the training programme in coir yarn spinning or coir processing conducted by the Board for rural women artisans. A stipend is paid during the training period.
4. Submit the completed application with Aadhaar, bank passbook, training certificate where applicable, and machinery quotations where a capital subsidy is claimed.
5. Allow the Coir Board's field officers to inspect the unit or verify the equipment purchase, which is a precondition for subsidy release.
6. Receive the sanctioned subsidy by transfer to your bank account, and retain the equipment for the lock-in period specified in the sanction letter.

How much benefit does Coir Vikas Yojana provide?

• Mahila Coir Yojana: 75% subsidy on the cost of motorised ratts, motorised traditional ratts and other coir processing equipment for trained women artisans, plus a stipend during the training period, published by the Coir Board at Rs 1,000 per month.
• Development of Production Infrastructure: 25% of the cost of equipment and infrastructure, subject to a maximum of Rs 6 lakh for a defibring unit, Rs 4 lakh for an automatic spinning unit and Rs 5 lakh for other coir units.
• Welfare measures: Group Personal Accident Insurance cover for coir workers, with the premium substantially borne by the Board.
• Skill upgradation and market promotion: no cash payment to the individual; the Board bears the cost of the programme, exhibition stall or seminar.

Because component rates are revised by the Coir Board from time to time, confirm the current ceiling and subsidy percentage at your regional office before committing to a machinery purchase.

How is Coir Vikas Yojana different from Coir Udyami Yojana?

Coir Vikas Yojana and Coir Udyami Yojana are two separate Coir Board schemes and applicants regularly confuse them.

• Coir Vikas Yojana provides direct subsidy on equipment, free training, worker insurance and market support. There is no bank loan involved in the Mahila Coir Yojana or infrastructure subsidy route.
• Coir Udyami Yojana, formerly the REMOT scheme, is a credit-linked subsidy scheme for setting up any type of coir unit, with an admissible project cost of up to Rs 10 lakh plus working capital, where working capital cannot exceed 25% of the project cost. It requires a bank sanction.

An entrepreneur setting up a new unit with borrowed capital normally uses Coir Udyami Yojana; an artisan or an existing unit buying machinery uses Coir Vikas Yojana.

Help and contact for Coir Vikas Yojana

• Coir Board: coirboard.gov.in, headquarters at Coir House, M.G. Road, Kochi, Kerala
• Regional and project offices across coir-producing states handle applications, training enrolment and subsidy claims
• MSME/Udyam helpline: 1800-180-6763

No agent fee is payable for a Coir Vikas Yojana application. Applications, training enrolment and subsidy claims are handled directly by Coir Board offices.

How to check your application status

Coir Vikas Yojana has no central online tracking portal, so status checks go through the same regional office that took your application, not through coirboard.gov.in.

1. Note your reference details at submission. Ask the office for an acknowledgement number, dated receipt, or entry number in the office's application register when you hand in your form. Without this, follow-up calls take longer because staff have to search manually.
2. For Mahila Coir Yojana training and stipend status: contact the training coordinator or the regional office that ran your batch. They can confirm whether your attendance has been recorded, whether your training completion certificate has been issued, and whether your stipend payment has been processed for a given month.
3. For a subsidy claim (ratt subsidy or production infrastructure subsidy): the usual holdup is the field inspection step. Call the regional or project office and ask specifically whether the inspecting officer has visited and filed a report, since subsidy release is normally held until that inspection is complete.
4. For a bank transfer that has not arrived: first check with your bank that the account and IFSC on file are correct, then ask the regional office to confirm the date the sanction was forwarded for payment. Delays are more often due to bank-detail mismatches than to the subsidy being withheld.
5. Call the MSME/Udyam helpline (1800-180-6763) if you cannot reach your regional office, or to get the correct regional office contact number for your state.
6. Visit in person if calls go unanswered for an extended period. Coir Board regional offices are typically able to pull up your file immediately from the register when you show your acknowledgement receipt.

Because there is no SMS or portal-based tracking, keeping your own copy of the submission date, acknowledgement number, and the name of the official who received your papers is the most reliable way to follow up.

Common reasons for rejection

• No demonstrable link to the coir sector. Coir Vikas Yojana is sector-specific. An application from someone who is not a coir worker, artisan, unit owner, or coir cooperative member is turned down outright. Fix: apply only if your occupation or unit is genuinely coir-based, and be ready to show proof such as unit registration, work history, or society membership.
• Ratt subsidy claimed before completing training. The 75% Mahila Coir Yojana subsidy is released only after the training programme is finished and a completion certificate is issued. A claim filed while training is still in progress, or with attendance gaps, is not processed. Fix: complete the full training cycle and obtain the certificate before submitting the subsidy claim.
• Missing or mismatched bank account details. Since both the training stipend and equipment subsidy move by bank transfer, an incorrect account number, a closed account, or a name mismatch between the Aadhaar card and the bank passbook stalls or rejects disbursal. Fix: submit a current passbook copy and confirm the account is active and in the applicant's own name before applying.
• No Udyam Registration for a unit claiming infrastructure subsidy. The Development of Production Infrastructure component expects an existing or newly registered coir unit. An applicant without Udyam Registration, or with a defunct registration, is asked to regularise this before the claim proceeds. Fix: obtain or update Udyam Registration for the unit before applying for equipment subsidy.
• Equipment purchased or installed before inspection. The Coir Board's field officers are expected to verify the equipment or the unit before subsidy is sanctioned. Buying machinery and only then applying, without keeping the invoice and installation available for inspection, can lead to the claim being rejected or delayed indefinitely. Fix: apply and get preliminary clearance before finalising the purchase, and keep quotations or invoices ready for the inspecting officer.
• Wrong scheme applied for. Applicants sometimes file under Coir Vikas Yojana when they actually need a bank loan to set up a new unit, which falls under Coir Udyami Yojana instead. A DPI subsidy application for a loan-financed new unit is rejected as the wrong route. Fix: confirm with the regional office which of the two schemes matches your situation, direct subsidy for an existing artisan or unit under CVY, or credit-linked project subsidy for a new unit under Coir Udyami Yojana, before filing.
• Incomplete or outdated component-specific form. Because CVY has separate forms for MCY, training, and infrastructure subsidy, submitting the wrong form, or an old version obtained from another office, causes processing delays that read as a rejection to the applicant. Fix: collect the current form for your specific component directly from the regional office rather than reusing a form from a different applicant or an old cycle.