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

You can apply if you live in Gujarat and you are a safai kamdar (sanitation worker or scavenger) or a dependent of one. You also need to be ready to put the money into a self-employment activity that generates income. No other qualifying conditions are listed in the scheme's terms.

Loans run from ₹1,00,000 to ₹15,00,000. Where you land within that band depends on your proposal and how the reviewing committee assesses it.

The rate is 6% per annum, which is concessional compared with ordinary commercial lending. Repayment follows standard term-loan terms.

No. This is a debt scheme, so the money is a term loan that you repay at 6% interest. The scheme does not take a stake or an ownership share in the venture it funds.

Any activity or project that generates income through self-employment and fits the scheme's objective of economic upliftment. The guidelines describe the support as flexible across trades and professions, and it can go towards setup costs, working capital and equipment.

No. The scheme runs on a rolling basis, so applications are accepted through the year on the e-SamajKalyan portal.

The scheme guidelines do not state DPIIT recognition or MSME registration as a requirement. What matters is Gujarat residency, being a safai kamdar or a dependent of one, and having a viable self-employment plan.

The portal asks you to upload the supporting documents named in the scheme guidelines. These typically include an Aadhaar card, proof of residence in Gujarat, a caste certificate where it applies, and details or a project report for the self-employment activity you propose.

Registration and application are handled online through the Social Justice & Empowerment Department's portal at https://esamajkalyan.gujarat.gov.in. Register by entering your personal details exactly as they appear on your Aadhaar card and creating a password. Your User ID and password arrive by SMS or email. Log in with them and a Captcha, complete your user profile, choose the Term Loan Scheme from the list of schemes shown on your dashboard, fill in the form, upload your documents and save the application. Note down the application number you receive.

Use the 'View Application Status' link on the portal and enter your application number along with your date of birth. The portal then shows the current progress of your application.

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. It is provided as non-dilutive funding.