Gujarat Thakor and Koli Vikas Nigam (GTKVN)

Choose the loan that matches your purpose

• Women: Mahila Samriddhi Yojana or New Swarnima Yojana. Both are for women only.
• Self-help groups: the Micro Finance Scheme for Self-Help Groups.
• General applicants: the Term Loan. Professionals starting their own practice after higher professional education fall under a separate track of the same loan.
• Transport-sector work: the Term Loan for Transport Services.
• Higher studies: New Aakanksha, the education loan.

How applications work

• Direct-lending schemes and the education loan apply through the body's online portal. An application counts only after you fill in the form, upload a photo and documents, and confirm it.
• Only one person per family may apply, and for one scheme only.
• Loan application forms are free.
• The transport-sector loan used a paper form in 2017, returned with a non-refundable administrative charge.

Check dates and limits first

• The pages checked give no open application window for the direct-lending schemes after the one extended to 30 September 2025.
• The education loan portal stays open all year.
• The loan ceilings and income limits differ between the body's own pages. Get the current figures from the corporation before you apply.

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 groups. Its office is in Gandhinagar.

What it offers

The corporation's schemes are loans, not grants. Its general term loan is open to general applicants, and a separate track of the same loan is for people who have completed higher professional education and want to start their own practice. The Micro Finance Scheme for Self-Help Groups lends to self-help groups. Mahila Samriddhi Yojana and New Swarnima Yojana are loans for women only. The Term Loan for Transport Services is for people in the transport sector who need a vehicle for their work. New Aakanksha is the education loan for higher studies.

Each loan has a maximum amount the corporation can sanction. The pages checked do not agree on several of these limits, so get the current figure from the corporation before you plan around any of them.

Who can apply

The body's loan eligibility page says applicants must be from the socially and educationally backward classes, and must be Thakor or Koli or belong to a sub-caste of those communities. This condition is stated for its loans generally.

Only one person per family may apply, and only for one scheme. The eligibility page sets a family income ceiling for rural and urban households. The about page gives lower ceilings for both, so check the current figure with the corporation before applying.

The 2017 transport-sector form sets an age range of 25 to 45 years for the transport loan. It also asks for a driving licence and proof of three years of driving experience.

How the schemes are funded

The corporation channels the direct-lending schemes of the National Backward Classes Finance and Development Corporation (NBCFDC), New Delhi. For the micro-finance and women's schemes, the national corporation provides most of the loan. The state government covers a small share, and in some schemes the borrower contributes a small share too. Loan application forms are free of charge.

Scale

The body's pages report lending for the year to March 2025. Its homepage gives 7,097 self-employment loan beneficiaries and 243 education-loan students for that year. The same page also gives a total of 7,160 beneficiaries, but those components add up to 7,340, so the total does not match its own breakdown.

For the year to March 2024, the same pages list 5,021 self-employment beneficiaries and 112 education-loan students. An undated information sheet gives 11,138 beneficiaries cumulatively and 510 education-loan students.

Status and history

The corporation was formed by converting the Gujarat Thakor and Koli Vikas Board into a corporation under a state resolution dated 13 September 2002. It is registered as a company under Section 25 of the Companies Act, 1956, from 19 September 2003. The Social Justice and Empowerment Department is its parent department.

Application windows

The portal's most recent stated application window for direct-lending schemes was extended to 30 September 2025. No later window is stated on the pages checked, so confirm dates with the corporation before you prepare documents for any of those schemes. The education loan portal stays open all year.

Contact and location

The office is at Block No. 16, Dr. Jivraj Mehta Bhavan, the old Secretariat, in Sector 10, Gandhinagar. The contact page lists a general inbox for the managing director's office. The phone numbers on its pages differ between the site footer, the contact page and the official information sheet, so email is the safer first contact.