New Swarnima Yojana for Women (GTKVN)
By Gujarat Thakor and Koli Vikas Nigam (GTKVN)
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Quick Answer
Self-employment loans up to ₹1 lakh at 5% interest from GTKVN for women of the Thakor and Koli communities in Gujarat, to start a business or trade.
About this loan
New Swarnima Yojana is a self-employment loan for women from the Thakor and Koli communities in Gujarat who live below the poverty line. You can borrow up to ₹1,00,000 at 5% per annum, covering 100% of the approved project or business cost. You repay in 60 equal monthly installments (5 years), interest included.
The Gujarat Thakor and Koli Vikas Nigam (GTKVN) runs it under the Social Justice and Empowerment Department of the Government of Gujarat. You can start a business or trade of your choice.
You must be a woman resident of Gujarat from the Thakor or Koli community, aged 21 to 50 on the date of application, with annual family income of no more than ₹3,00,000. You need experience relevant to the business or trade, and you must be able to provide suitable collateral.
Eligibility
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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 moreBenefits & Funding
- Amount
- Up to ₹1L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
The New Swarnima Yojana provides financial assistance up to ₹1,00,000 for eligible women to embark on self-employment ventures. The loan comes with a competitive interest rate of 5% per annum and covers 100% of the approved project/business cost. Beneficiaries benefit from a structured repayment term of 60 equal monthly installments (5 years), which includes the interest. This comprehensive financial package is designed to support women in establishing and sustaining their chosen business or trade.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications submitted online are initially screened to verify that all eligibility criteria are met. This includes checking for residency in Gujarat, belonging to the Thakor or Koli community, age, family income limits, and evidence of business experience. The suitability of the proposed business/trade and the applicant's experience are assessed. Crucially, applicants must provide suitable collateral as a prerequisite for loan approval. A dedicated committee or authority within GTKVN reviews qualified applications for final sanction and disbursement of the loan amount.
Application Process
- 1
Visit Website
Applicants begin by visiting the Gujarat Thakor and Koli Vikas Nigam official website.
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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.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
What is the New Swarnima Yojana?
The New Swarnima Yojana is a scheme by GTKVN under the Social Justice and Empowerment Department, Government of Gujarat, offering financial assistance to women from Thakor and Koli communities for self-employment ventures.
What is the maximum loan amount provided?
Eligible women can receive financial assistance up to ₹1,00,000 to start or expand their business or trade.
What is the interest rate and repayment period?
The loan is provided at an interest rate of 5% per annum and is repayable in 60 equal monthly installments over a period of 5 years.
Who is eligible to apply for this scheme?
Applicants must be women, residents of Gujarat, belong to the Thakor or Koli community, aged between 21-50 years, with an annual family income not exceeding ₹3,00,000. Relevant business experience and collateral are also required.
What kind of businesses can be started with this loan?
The scheme supports various self-employment ventures and trades chosen by the applicant. There is no specific restriction on the type of business, as long as the applicant has relevant experience.
Is collateral required for the loan?
Yes, applicants are required to provide suitable collateral to secure the loan under the New Swarnima Yojana.
Sources
Data on this page is compiled from official program and provider references.
