Gujarat Nomadic and Denotified Tribes Development Corporation (GNDTDC)

Choose the scheme that fits you

• Women from the listed communities who live below the poverty line: New Swarnim Yojana, or Mahila Samriddhi Scheme.
• Women from the listed communities who run or want to run an independent business: Mahila Samriddhi Scheme.
• Anyone from the listed communities: Term Loan Scheme for agriculture-related work, small industry, artisan or hereditary trades, or service businesses. Micro Finance Scheme to start a small business or trade.

Check whether a call is open

• The corporation says loan calls are announced only after its funds are released and its annual plan is approved.
• Confirm a call is open before you prepare documents.

What to have ready

• Proof that you belong to a listed nomadic or denotified community.
• For the Term Loan Scheme: a suitable guarantor, and an age of 21 to 50 on the application date.
• For the Term Loan Scheme: the family income limit, which the scheme page states.

Sample businesses

• The corporation publishes a sample list of businesses it lends for. It starts with animal husbandry and dairy animals.

The 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 in Gandhinagar.

Who it is for

The corporation serves the state's nomadic and denotified communities. Its pages list 40 of them, 28 nomadic and 12 denotified, among the most backward and weak castes in the state's list of socially and educationally backward classes. Its loans are for members of those communities. Founders outside them cannot apply, so the schemes below are not general startup finance.

The loan schemes

The corporation's pages describe four business loan schemes. Two of them are for women only.

The Term Loan Scheme lends for agriculture-related activity, small industry, artisan and hereditary trades, and service businesses. Applicants must be aged 21 to 50 on the application date, must provide a suitable guarantor, and are subject to a family income limit.

The Micro Finance Scheme gives a small loan to start a small business or trade.

The New Swarnim Yojana is for women from the listed communities who live below the poverty line. It finances the full cost of a self-employment business.

The Mahila Samriddhi Scheme is a micro-loan for women from the listed communities and for women already running an independent business in that group. It finances the full business cost.

The corporation's pages also list an education loan for students. It is not business finance, so it is not described here.

Interest and repayment

The corporation describes its loans as carrying a nominal interest rate, with no subsidy available on them. Scheme pages give different rates for different schemes and loan sizes, so check the page for the scheme you are considering. Repayment is in equal monthly instalments that include interest. The Term Loan is repaid over 60 months, and the Micro Finance and Mahila Samriddhi schemes over 48.

Who runs it

The corporation sits under the Department of Social Justice and Empowerment, Government of Gujarat. Its funds come from the state government and from the National Backward Classes Finance and Development Corporation (NBCFDC) in New Delhi. It gives direct loans under schemes funded from central and state government money.

Where it is based

The office is at Block No. 19, 2nd Floor, Dr Jivraj Mehta Bhavan, Gandhinagar, Gujarat.