Micro Finance Scheme (GNDTDC)
By Gujarat Nomadic and Denotified Tribes Development Corporation (GNDTDC)
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Quick Answer
The Micro Finance Scheme by GNDTDC offers concessional loans up to ₹1.25 lakh to individuals from Nomadic and Denotified Tribes in Gujarat for self-employment and small-scale business ventures.
About this loan
The Micro Finance Scheme, implemented by the Gujarat Nomadic and Denotified Tribes Development Corporation (GNDTDC) under the Social Justice and Empowerment Department, Government of Gujarat, is designed to uplift and empower individuals from the Nomadic and Denotified Tribes communities. These communities often face significant socio-economic challenges, including limited access to formal credit and entrepreneurial opportunities. This scheme directly addresses these disparities by providing crucial financial assistance. The primary goal of the program is to foster self-employment and economic independence among eligible beneficiaries. By offering accessible credit, the scheme enables individuals to overcome financial barriers that typically hinder the establishment and growth of small-scale businesses and enterprises. This initiative is vital for driving grassroots economic development and integrating marginalized communities into the mainstream economy. Through this scheme, entrepreneurs can secure loans at highly concessional interest rates. The funding is flexible, allowing beneficiaries to utilize the capital for various essential business needs, including the procurement of necessary equipment, the purchase of raw materials, or as working capital to sustain day-to-day operations. This holistic approach ensures that beneficiaries have the foundational support required to launch and operate viable small businesses, contributing to their financial stability and broader community development.
Eligibility
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Grant providers
The Gujarat state corporation for nomadic and denotified tribes (ગુજરાત વિચરતી અને વિમુક્ત જાતિ વિકાસ નિગમ) lends to members of the communities it serves. The Department of Social Justice and Empowerment of the Gujarat government constituted it by resolution in 2015. It is based…
Learn moreBenefits & Funding
- Amount
- Up to ₹1.25L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The scheme provides significant financial assistance in the form of a loan up to ₹1,25,000/-. This loan is offered at a highly concessional interest rate of 5% per annum, making it an affordable option for aspiring entrepreneurs. The repayment structure is designed to be manageable, requiring repayment in 48 equal monthly installments, including interest. This financial support is specifically intended to help beneficiaries establish or expand small-scale businesses by covering costs such as equipment, raw materials, and working capital, thereby promoting self-employment and economic independence within the Nomadic and Denotified Tribes communities of Gujarat.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications for the Micro Finance Scheme are reviewed by the Gujarat Nomadic and Denotified Tribes Development Corporation (GNDTDC) based on the eligibility criteria and the completeness of the submitted documents. The process typically involves an initial screening of all online applications to ensure they meet the residency, community, income, age, and experience requirements. Subsequent evaluation focuses on the viability of the proposed business and the suitability of the collateral offered. Shortlisted applicants may undergo further assessment or verification as deemed necessary by the corporation before final approval and loan disbursement.
Application Process
- 1
Visit Portal & Apply
Navigate to the GNDTDC online portal and click 'Apply Now' for the Micro Finance Scheme.
You - 2
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- 4
How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
Who is eligible to apply for the Micro Finance Scheme?
The scheme is open to residents of Gujarat belonging to Nomadic Tribe or Denotified Tribe communities, with a family annual income not exceeding ₹3,00,000/- and age between 21 to 50 years. Applicants must also have relevant experience and technical skills in their proposed business trade.
What is the maximum loan amount available under this scheme?
Beneficiaries can avail a loan of up to ₹1,25,000/-.
What is the interest rate for the loan?
The loan is provided at a concessional interest rate of 5% per annum.
What is the repayment period for the loan?
The loan amount, including interest, must be repaid in 48 equal monthly installments.
Do I need to provide collateral for the loan?
Yes, applicants are required to provide suitable collateral to secure the loan.
Can I apply if I have taken a loan before?
Yes, the application form includes a section to declare past loans, indicating that prior loans do not automatically disqualify an applicant, though details will be required.
What documents are required for the application?
You will need to upload your photograph, signature, and other essential documents such as proof of residence, caste certificate, income certificate, age proof, and details related to your proposed business and collateral.








