GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars

The Term Loan Scheme is a debt programme from Gujarat Safai Kamdar Vikas Nigam (GSKVN), an organisation working under the state's Social Justice and Empowerment Department. It gives people from sanitation-worker households in Gujarat the capital to run a business of their own instead of staying in manual scavenging.

The scheme is open both to safai kamdars themselves and to family members who depend on them, and the money is meant for work that generates income through self-employment. The borrower chooses the trade; the loan makes it affordable to begin.

Delivery is supported by the National Safai Karamcharis Finance & Development Corporation (NSKFDC), New Delhi, connecting this Gujarat programme to wider national efforts on the welfare of sanitation workers.

This is repayable debt, not a grant or an equity deal — funds are returned at a concessional interest rate, and no share of the business is given away in exchange.

• Term loans from ₹1 lakh to ₹15 lakh
• Interest fixed at 6% per annum
• Open to Gujarat safai kamdars and their dependents
• Funding for self-employment ventures
• Rolling applications — no fixed deadline
• Applied for online through the e-SamajKalyan portal

Two things decide eligibility: who you are and where you live.

• You must be a resident of Gujarat. The scheme is delivered by a Gujarat state body for people within the state.
• You must be a safai kamdar (sanitation worker or scavenger) or a dependent of one. Family members of sanitation workers qualify alongside the workers themselves.
• You must be ready to use the loan for a self-employment venture or project that produces income.

The scheme's published terms do not lay down DPIIT recognition, MSME (Udyam) registration or a specific type of business entity as conditions of eligibility, and no sector-wise restriction is listed.

GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars is open to startups at any stage. It is open to startups registered anywhere in India.

GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

The financial support is a term loan of between ₹1,00,000 and ₹15,00,000, carrying interest of 6% per annum.

• The loan can cover the costs of getting a venture off the ground, including working capital and equipment.
• It is deliberately flexible: different trades and professions can be supported, as long as the activity generates income.
• Because it is debt, the borrower keeps full ownership — there is no equity dilution.

The concessional rate keeps borrowing costs well below what a first-time entrepreneur would normally pay a commercial lender, making startup capital reachable for households that would otherwise be shut out of formal credit.

GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars is offered by Gujarat Safai Kamdar Vikas Nigam (GSKVN), a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

Applications submitted online are reviewed and assessed rather than approved on a first-come basis.

1. Screening — each application is checked against the eligibility conditions and for completeness of documentation.
2. Proposal assessment — the viability of the proposed self-employment project is examined, along with its potential to produce sustainable income.
3. Committee evaluation — a committee, likely drawn from Gujarat Safai Kamdar Vikas Nigam and the Social Justice & Empowerment Department, weighs the proposals against the scheme's economic upliftment objective.
4. Verification — applicant details and business plans may be verified further where the reviewing team considers it necessary.
5. Disbursement — applicants who are selected are informed, and the loan then moves to the disbursement stage.

The exact composition of the committee and the timeline of these steps are not published in the scheme guidelines.

Before you apply to GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.

GSKVN Term Loan Scheme — ₹1L to ₹15L at 6% for Gujarat Safai Kamdars is best suited for startups in India seeking non-dilutive funding of ₹1L – ₹15L. If that describes your startup, review the eligibility criteria above before applying.