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

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.