Term Loan Scheme (GSKVN)
By Gujarat Safai Kamdar Vikas Nigam (GSKVN)
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Quick Answer
Term loans of ₹1 lakh to ₹15 lakh at 6% interest from the Gujarat Safai Kamdar Vikas Nigam (GSKVN), for safai kamdars and their dependents in Gujarat to start self-employment.
About this loan
If you are a safai kamdar (sanitation worker) in Gujarat, or depend on one, you can get a term loan of ₹1,00,000 to ₹15,00,000 at 6% per annum from the Gujarat Safai Kamdar Vikas Nigam (GSKVN). The loan is for income-generating self-employment ventures, new or existing.
The scheme runs under the Social Justice and Empowerment Department, Government of Gujarat, with backing from the National Safai Karamcharis Finance & Development Corporation (NSKFDC), New Delhi. It is meant to help people move out of manual scavenging.
You must be a resident of Gujarat and a scavenger or sanitation worker, or a dependent of one. You must plan to use the loan for self-employment. The funding covers setup costs, working capital and equipment, across a range of trades.
Eligibility
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Grant providers
Gujarat Safai Kamdar Vikas Nigam (GSKVN) is a corporation of the Government of Gujarat that lends to safai kamdars, the sanitation workers the state defines as people who manually remove night soil, and to their dependants. It is based in Gandhinagar, and its pages sit within…
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Social Justice and Empowerment Department, Government of GujaratGandhinagar · Gujarat · India
The Social Justice and Empowerment Department is a department of the Government of Gujarat, with its office in Block No. 5, Sachivalaya, Gandhinagar. It runs loan and self-employment schemes for Scheduled Castes, backward classes and Antyodaya Scheduled Caste people, and the…
Learn moreBenefits & Funding
- Amount
- ₹1L – ₹15L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
The scheme offers term loans ranging from ₹1,00,000 to ₹15,00,000 to eligible safai kamdars and their dependents. These loans are provided at an attractive interest rate of 6% per annum, making financial capital accessible for establishing or expanding a wide array of self-employment businesses and income-generating projects. The financial assistance is designed to be flexible, supporting diverse trades and professions chosen by the beneficiaries. This crucial funding helps cover initial setup costs, working capital, and necessary equipment, empowering individuals to break free from traditional occupations and build a sustainable future. Beyond just capital, the scheme indirectly facilitates access to entrepreneurial opportunities and fosters economic independence, aligning with broader social justice objectives.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
While the detailed selection process is not explicitly outlined, it generally involves a thorough review of the submitted online applications. Applications are screened for eligibility criteria, completeness of documentation, and the viability of the proposed self-employment project. A committee, likely comprising officials from the Gujarat Safai Kamdar Vikas Nigam and the Social Justice & Empowerment Department, will evaluate the proposals based on their potential to generate sustainable income and align with the scheme's objective of economic upliftment for safai kamdars. Further verification of applicant details and proposed business plans may be conducted if deemed necessary. Successful applicants will then be informed for the loan disbursement process.
Application Process
- 1
Register
Register on the Social Justice & Empowerment Department website using Aadhaar details to get a User ID and Password.
You - 2
- 3
- 4
- 5
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
Q: Who is eligible to apply for the Term Loan Scheme?
A: The scheme is open to residents of Gujarat who are identified as scavengers/sanitation workers or their dependents. Applicants must be willing to utilize the loan for starting income-generating self-employment activities or projects.
Q: What is the maximum loan amount I can receive under this scheme?
A: Eligible beneficiaries can receive term loans ranging from ₹1,00,000 (One Lakh) up to ₹15,00,000 (Fifteen Lakhs) to fund their self-employment ventures.
Q: What is the interest rate for these loans?
A: The loans are provided at a concessional interest rate of 6% per annum, making it an affordable option for aspiring entrepreneurs from the target community.
Q: Can the loan be used for any type of business?
A: Yes, the scheme supports various trades and professions. The loan can be used for starting or expanding any income-generating self-employment activity or project that aligns with the scheme's objective of economic upliftment.
Q: Is the application process entirely online?
A: Yes, the entire application process, including registration, login, filling out the application form, and tracking its status, is conducted online through the Social Justice & Empowerment Department's official e-SamajKalyan portal.
Q: What documents are typically required for the application?
A: While not explicitly listed, typical documents required would include Aadhaar card, proof of residence, caste certificate (if applicable for verification), and details/project report of the proposed self-employment activity.
Sources
Data on this page is compiled from official program and provider references.
