New Swarnim Yojana (for Women Only)
By Social Justice and Empowerment Department, Government of Gujarat
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Quick Answer
Loan of up to ₹2 lakh at 5% interest for self-employment, for women from nomadic and denotified castes in Gujarat. Repaid in 60 monthly installments.
About this loan
New Swarnim Yojana gives women from nomadic and denotified castes in Gujarat a loan of up to ₹2,00,000 at 5% per annum to start or expand a business or occupation of their choice. It is run by the Gujarat Nomadic and Denotified Tribes Development Corporation under the Social Justice and Empowerment Department, Government of Gujarat, and targets women living below the poverty line.
The loan covers 100% of the business amount, so you put in nothing. Of the loan, 95% comes from the National Corporation and 5% from the State Government. You repay the loan with interest in 60 equal monthly installments.
To apply you must be a woman from a nomadic or denotified caste, aged 21 to 50 on the date of application, with family annual income up to ₹3,00,000 and experience in a technical and skilled trade or business.
Eligibility
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Grant providers
Provider
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 moreThe 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 ₹2L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
This scheme provides a significant financial boost to eligible women, offering a loan of up to ₹2,00,000 for starting or expanding a business. The loan comes with a highly attractive interest rate of 5% per annum, making it affordable for beneficiaries. A key highlight is the 100% funding of the business/occupation amount, with zero beneficiary contribution required. The loan composition is structured with 95% from the National Corporation and 5% from the State Government, ensuring comprehensive support. The repayment schedule is designed to be manageable, allowing beneficiaries to repay the loan, including interest, in 60 equal monthly installments. This structured financial assistance, coupled with government backing, aims to provide a strong foundation for sustainable self-employment.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
While specific details of the selection process are not explicitly outlined, it typically involves a multi-stage evaluation for government loan schemes. First, submitted applications undergo an initial screening to verify eligibility criteria such as caste, income limits, age, and experience in skilled trades. Applicants are expected to provide all necessary supporting documents, including proof of identity, address, caste certificate, income certificate, age proof, and business experience. Following this, a designated committee at the Gujarat Nomadic and Denotified Tribes Development Corporation would review complete and eligible applications, assessing the viability and potential impact of the proposed business or occupation. This may involve a detailed scrutiny of the business plan or proposed activity. Decisions are made based on predefined criteria, prioritizing those who best meet the scheme's objectives of economic upliftment and self-employment with dignity.
Application Process
- 1
Visit Official Portal
Navigate to the Gujarat Nomadic and Denotified Tribes Development Corporation website and find the 'New Swarnim Yojana' application link.
You - 2
- 3
- 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
What is the New Swarnim Yojana (for Women Only)?
It is a debt scheme by the Social Justice and Empowerment Department, Government of Gujarat, aimed at providing financial assistance to women from nomadic and denotified castes living below the poverty line to establish self-employment ventures.
What is the maximum loan amount available under this scheme?
Eligible women can avail a maximum loan amount of up to ₹2,00,000 (Two Lakh Indian Rupees) to fund their chosen business or occupation.
What is the interest rate and repayment period for the loan?
The loan is provided at an interest rate of 5% per annum. The loan amount, including interest, must be repaid in 60 equal monthly installments.
Who is eligible to apply for this scheme?
The scheme is exclusively for women applicants aged between 21 and 50 years, belonging to nomadic or denotified castes. Their family's annual income must not exceed ₹3,00,000, and they should possess experience in a technical or skilled trade/business.
Is any personal contribution required from the beneficiary?
No, there is zero beneficiary contribution required. The scheme provides 100% of the business/occupation amount as a loan, with contributions from the National Corporation (95%) and the State Government (5%).
How can I apply for the New Swarnim Yojana?
Applications are accepted online. You need to visit the official website of the Gujarat Nomadic and Denotified Tribes Development Corporation, find the 'New Swarnim Yojana', and click on 'Apply Now' to fill out the detailed application form online.
Sources
Data on this page is compiled from official program and provider references.
