Swayam Saksham Yojana (GTKVN)
By Gujarat Thakor and Koli Vikas Nigam (GTKVN)
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Quick Answer
Low-interest loan of up to ₹5,00,000 at 5% a year for unemployed, professionally educated Thakor and Koli youth in Gujarat who want to start their own business.
About this loan
Unemployed, professionally educated men and women aged 18 to 35 from the Thakor and Koli communities in Gujarat can get a low-interest loan to start their own business. The Swayam Saksham Yojana is run by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Government of Gujarat.
Qualifying degrees include Pharmacy, Architecture, Software/Hardware development, Automobile Engineering, Law, Chartered Accountancy, Medical professions, Hotel Management and Financial Consultancy. Skills such as Sculpture or Wrestling also count, if you have had formal training. You set up a business or self-employment unit in your own field.
The loan is up to ₹5,00,000 and covers 95% of the project cost. You put in the remaining 5% yourself. Interest is 5% a year. You repay over a maximum of 5 years, in up to 60 equal monthly instalments, depending on your business plan and cash flow.
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
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 ₹5L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
Beneficiaries of the Swayam Saksham Yojana receive substantial financial support in the form of low-interest loans. The scheme offers a loan amount of up to ₹5,00,000, covering 95% of the total business or project cost. Applicants are required to contribute the remaining 5% as their own stake, fostering ownership and commitment. The loan comes with a highly attractive annual interest rate of 5%, making it accessible for aspiring entrepreneurs. Repayment is structured over a maximum period of 5 years (60 equal monthly installments), with the exact tenure tailored to the specific nature and cash flow projections of the business plan. This comprehensive financial package is designed to alleviate the initial capital burden and provide a stable foundation for new ventures.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are reviewed by a selection committee comprising representatives from the Gujarat Thakor and Koli Vikas Nigam. Eligibility criteria, including caste/community, age, education, and family income, are thoroughly verified. The business plan and proposed use of funds are also assessed to ensure alignment with the scheme's objectives of promoting self-employment among the target group.
Application Process
- 1
Visit Portal
Navigate to the official website of GTKVN and the application section.
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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 Swayam Saksham Yojana?
The scheme is open to unemployed youth aged 18-35 from the Thakor or Koli communities, who are residents of Gujarat, have professional education/experience, and whose family annual income does not exceed ₹3,00,000/-.
What is the maximum loan amount I can avail?
You can avail a loan of up to ₹5,00,000/- (Five Lakhs Indian Rupees) under this scheme.
What is the interest rate for the loan?
The loan is provided at a low interest rate of 5% per annum.
Do I need to contribute any capital myself?
Yes, beneficiaries are required to contribute 5% of the total business/project cost, with the scheme covering the remaining 95% as a loan.
How long is the repayment period for the loan?
The loan is repayable in a maximum of 60 equal monthly installments, which translates to a 5-year repayment period. The specific tenure may vary based on your business plan.
What kind of businesses are supported under this scheme?
The scheme supports individuals starting businesses in their professional fields, including but not limited to Pharmacy, Architecture, Software/Hardware, Automobile Engineering, Law, Chartered Accountancy, Medical, Hotel Management, Financial Consultancy, Sculpture or Wrestling.
Is this scheme open to all residents of India?
No, the scheme is specifically for residents of Gujarat who belong to the Thakor or Koli caste/community.
Sources
Data on this page is compiled from official program and provider references.
