Mahila Samriddhi Yojana (GTKVN)
By Gujarat Thakor and Koli Vikas Nigam (GTKVN)
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Quick Answer
Low-interest micro-loans up to ₹60,000 at 4% from GTKVN for women of the Thakor and Koli communities in Gujarat to start or grow a small business.
About this loan
Mahila Samriddhi Yojana is a micro-loan scheme from the Gujarat Thakor and Koli Vikas Nigam (GTKVN), under the Social Justice and Empowerment Department, Government of Gujarat. It is for women from the Thakor and Koli communities who want to start or expand a small business or trade based on their skills.
The loan is up to ₹60,000, covering up to 100% of the project cost, at 4% per annum. You repay in 48 equal monthly instalments.
You must live in Gujarat, be 21 to 50 years old, have annual family income up to ₹3,00,000, have relevant technical skills and experience in the trade, and provide suitable collateral. At least 50% of the total loan amount goes to families with annual income up to ₹1,50,000.
Eligibility
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Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Grant providers
Gujarat Thakor and Koli Vikas Nigam (ગુજરાત ઠાકોર અને કોળી વિકાસ નિગમ) is a public enterprise of the Social Justice and Empowerment Department of the Government of Gujarat. It lends to members of the Thakor and Koli communities for self-employment, higher education and self-help…
Learn moreCo-organizer
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
- Up to ₹60,000
- Fund type
- Debt
- Repayment
- Repayable
What You Get
This scheme provides vital financial backing to eligible women entrepreneurs in the form of low-interest micro-loans. Beneficiaries can access a maximum loan amount of up to ₹60,000, with the loan covering up to 100% of the proposed business or trade cost. The interest rate is set at an affordable 4% per annum. Repayment is structured conveniently over 48 equal monthly installments, offering a manageable pathway to financial stability. This financial assistance is specifically designed to help women from the Thakor and Koli communities establish or expand small businesses and trades based on their existing skills, thereby promoting self-employment and economic empowerment.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
The selection process for the Mahila Samriddhi Yojana involves a careful review of submitted applications to ensure compliance with the eligibility criteria and the viability of the proposed business ventures. Applications are first screened for completeness and adherence to basic requirements, such as residency, caste, age, and family income limits. GTKVN officials then assess the applicant's relevant technical skills and experience in the proposed trade/business, along with the suitability of the collateral provided. Applications that meet these initial criteria are then forwarded for further evaluation, which may involve an interview or a detailed assessment of the business plan. The Nigam’s committee makes the final decision based on merit, ensuring that deserving women entrepreneurs from the target communities receive financial assistance to achieve self-employment. Special consideration is given to families with lower annual incomes, as per the scheme's allocation note.
Application Process
- 1
Access Official Website
Visit the official website of the Gujarat Thakor and Koli Vikas Nigam.
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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.
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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.
Frequently Asked Questions
Who is eligible for the Mahila Samriddhi Yojana?
The scheme is open to women residents of Gujarat from the Thakor or Koli caste, aged between 21 and 50 years, with an annual family income not exceeding ₹3,00,000/-. Applicants must also possess relevant skills for their proposed business and provide suitable collateral.
What is the maximum loan amount I can avail?
You can avail a maximum loan amount of up to ₹60,000/- for your proposed business or trade. The loan can cover up to 100% of the project cost.
What is the interest rate and repayment period for the loan?
The loan is provided at an interest rate of 4% per annum. The repayment period is 48 months (4 years), with repayments made in equal monthly installments.
What kind of businesses can be funded under this scheme?
The scheme supports various small businesses or trades based on the applicant's skills and experience, aimed at promoting self-employment. Specific industries are not restricted, allowing a wide range of entrepreneurial ventures.
Are there any preferences for applicants with lower income?
Yes, at least 50% of the total loan amount disbursed under the scheme is allocated for families with an annual income of up to ₹1,50,000/-.
What documents are required for the application?
Key documents include Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
Sources
Data on this page is compiled from official program and provider references.
