Mahila Samruddhi Scheme
By Social Justice and Empowerment Department, Government of Gujarat
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Quick Answer
Low-interest loan of up to ₹1.25 lakh at 4% a year for OBC women in Gujarat to start a small business, repaid in 48 monthly instalments.
About this loan
Women from Other Backward Classes (OBC) in Gujarat can borrow up to ₹1,25,000 at 4% a year to start a small business of their choice. The loan covers 95% of the unit cost. A National Corporation provides 95% and the State Government provides 5%. You repay in 48 equal monthly instalments.
The Gujarat Backward Class Development Corporation implements the scheme, which comes from the Social Justice and Empowerment Department, Government of Gujarat.
You must be a woman living in Gujarat, aged 21 to 45 on the date of application. Your family's annual income must not exceed ₹3,00,000. You also need experience in a business that requires technical and other skills.
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 moreBenefits & Funding
- Amount
- Up to ₹1.25L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
Beneficiaries receive a substantial low-interest loan of up to ₹1.25 lakh (₹1,25,000) to kickstart their self-employment ventures. The loan comes with a highly attractive annual interest rate of 4%. The funding structure is designed to be highly supportive, with 95% of the unit cost provided as a loan, where 95% is contributed by a National Corporation and 5% by the State Government, minimizing the beneficiary's upfront financial burden. Repayment is structured conveniently in 48 equal monthly installments, ensuring manageability and predictability for the new entrepreneurs. This comprehensive financial support is complemented by the state's facilitative environment for women entrepreneurs from backward communities.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Application Process
- 1
Visit Official Portal
Navigate to the Gujarat Backward Class Development Corporation's online portal.
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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.
- 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.
Frequently Asked Questions
Who is eligible for the Mahila Samruddhi scheme?
The scheme is exclusively for women residents of Gujarat belonging to socially and educationally backward classes (OBC). Applicants must be between 21 and 45 years of age, and their family's total annual income should not exceed ₹3,00,000. Additionally, applicants should possess relevant experience in the business they intend to undertake.
What is the maximum loan amount I can avail?
Under the Mahila Samruddhi scheme, eligible women can avail a maximum loan amount of up to ₹1,25,000 (₹1.25 lakh) for their self-employment ventures.
What is the interest rate and repayment period for this loan?
The loan is provided at a low-interest rate of 4% per annum. The repayment period is set at 48 equal monthly installments, including the interest.
Is there any personal contribution required from the applicant?
Yes, while the scheme provides 95% of the unit cost as a loan (95% from National Corporation and 5% from State Government), the remaining 5% of the unit cost must be contributed by the beneficiary.
How can I apply for the Mahila Samruddhi scheme?
Applications are accepted online through the official website of the Gujarat Backward Class Development Corporation. You need to register, log in, fill out the application form with personal, address, income, and loan details, and upload scanned copies of required documents like caste certificate, income certificate, Aadhaar card, and bank passbook.
What kind of businesses are supported by this scheme?
The scheme supports women in undertaking a business of their choice, focusing on creating self-employment opportunities. There are no specific industry restrictions, but applicants are expected to have experience relevant to their chosen business.
Sources
Data on this page is compiled from official program and provider references.
