Swayam Saksham Yojana (GBCDC)
By Gujarat Backward Classes Development Corporation (GBCDC)
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Quick Answer
Educated, unemployed SEBC youth in Gujarat can get a loan of up to ₹5 lakh at 6% interest to start their own professional practice or business.
About this loan
GBCDC, under the Social Justice and Empowerment Department of the Government of Gujarat, lends up to ₹5,00,000 to unemployed young people from the Socially and Educationally Backward Classes who have vocational or professional training. The loan helps you start your own venture, such as a clinic, law office, engineering unit or other small business.
Interest is 6% a year. You repay in 60 equal monthly instalments, including interest, over five years. A national corporation funds 85% of the loan and the State Government funds 10%. You contribute 5%.
You must live in Gujarat, be aged 18 to 35 on the date of application, and have a total annual family income of ₹3,00,000 or less.
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
Benefits & Funding
- Amount
- Up to ₹5L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
The Swayam Saksham Yojana provides a low-interest loan of up to ₹5,00,000 per eligible applicant. This financial assistance is structured with an attractive annual interest rate of 6%. The scheme emphasizes a collaborative funding model, with 85% of the loan covered by a national corporation, 10% by the State Government, and a manageable 5% contribution required from the beneficiary, ensuring broad accessibility. The loan is designed to be repaid in 60 equal monthly installments, including interest, providing a comfortable repayment tenure of five years. This support aims to facilitate the establishment of self-employment ventures by educated unemployed youth, promoting financial independence and economic growth.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications submitted online are typically subject to an initial screening process by the Gujarat Backward Classes Development Corporation (GBCDC) to verify eligibility criteria such as residency, caste, age, income, and professional qualifications. The submitted documents are reviewed for authenticity and completeness. Eligible applications are then processed for further evaluation, which may involve a committee assessing the viability of the proposed self-employment venture. The selection primarily focuses on ensuring that applicants meet all specified criteria and that their business proposals align with the scheme's objectives of promoting self-employment among SEBC youth.
Application Process
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Visit Website
Applicant visits the official GBCDC website to access the application 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.
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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.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
What is the primary objective of the Swayam Saksham Yojana?
The scheme aims to foster self-reliance among socially and educationally backward class youth in Gujarat by providing low-interest loans to help them establish their own professional self-employment ventures, promoting economic inclusion.
What is the maximum loan amount available under this scheme?
Eligible applicants can receive a loan amount of up to ₹5,00,000 (Five Lakh Indian Rupees) to set up their businesses.
What is the interest rate and repayment period for the loan?
The loan is provided at an annual interest rate of 6% and must be repaid in 60 equal monthly installments, which translates to a repayment period of five years.
Who is eligible to apply for the Swayam Saksham Yojana?
Applicants must be residents of Gujarat, belong to SEBC, be between 18 and 35 years old, professionally educated but unemployed, and have an annual family income not exceeding ₹3,00,000. They must also intend to start a professional business.
What types of businesses are supported by this scheme?
The scheme supports various professional businesses such as clinics, nursing homes, physiotherapy clinics, biomedical labs, legal offices, medical stores, architect offices, engineering units, and C.A. offices.
What documents are required for the application process?
Applicants typically need to upload scanned copies of their Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
