Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy

This is a Gujarat government credit scheme for small business owners from the Scheduled Caste category who want to own the place they trade from. It has been running since 1991, administered by the Director of Scheduled Caste Welfare under the state's Social Justice and Empowerment Department.

Rather than leaving founders to negotiate property finance alone, the scheme arranges a bank loan of up to ₹10 lakh for buying a shop or place of business in an urban area, and layers a ₹15,000 subsidy plus an interest subsidy on top of it.

The objective is to move SC entrepreneurs out of rented or uncertain premises and into space they own — which supports self-employment, helps small ventures grow, and creates work in local markets. Priority categories, security conditions and land rules are built into the design so the assistance reaches the intended applicants and is used for the purpose it was granted.

• Loan of up to ₹10 lakh to buy a shop or business premises
• ₹15,000 direct subsidy on top of the loan
• Government covers bank interest above 4% for three years
• Only for Scheduled Caste applicants who are natives of Gujarat
• No income limit, and applications are accepted on a rolling basis
• Security from up to two local guarantors is mandatory

Applicants must be natives of Gujarat and belong to the Scheduled Caste category. The scheme fixes no income ceiling, so how much you earn does not affect your eligibility.

• Gujarat domicile and Scheduled Caste status are both mandatory.
• The loan may be used only to buy a shop or place of business at a single location.
• Priority is given to educated unemployed applicants, unemployed mill workers, people with technical or professional experience, and those already self-employed.
• Security is compulsory — up to two local guarantors who own immovable property equal to the full loan amount.
• A shop or premises allotted on long-term rent by a state body is also eligible, provided it is mortgaged to the government until the loan is repaid.
• If you build on land you already own, you need a clear title and proof that the land is 'uncultivated'.

Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy is open to startups at any stage. It is open to startups registered anywhere in India.

Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy 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 support comes in three separate parts, and the headline ceiling for the whole package is ₹10.2 lakh.

• Loan of up to ₹10 lakh — the core component, released for buying a shop or business premises in an urban area.
• ₹15,000 subsidy — a direct grant from the government that does not have to be returned.
• Interest subsidy for three years — the state pays the portion of bank interest that goes above 4%, so the borrower's own interest outgo stays capped during that period.

Together these make the borrowing affordable in the early years of a business. Borrowers who default on the loan or the interest attract penal interest.

Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy is offered by Social Justice and Empowerment Department, Government of Gujarat, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

The published material does not describe a formal multi-round selection process. Applications are assessed as follows:

• Submissions received through the e-Samaj Kalyan portal are screened against the eligibility conditions — Gujarat domicile, Scheduled Caste category and the intended use of the funds.
• The purpose of the loan is examined: the assistance must go towards one shop or place of business at a single location.
• The security offered is reviewed, since guarantors must own immovable property worth the full loan amount.
• Where premises are allotted on long-term rent by a state body, or are to be built on the applicant's own plot, compliance with the land and construction rules is checked, along with clear title and 'uncultivated' land proof.
• Priority groups — educated unemployed applicants, unemployed mill workers, those with technical or professional experience, and the self-employed — are preferred when applications are considered.

Before you apply to Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy, 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.

Scheme for SC Small Business Owners in Gujarat — ₹10L Loan + ₹15,000 Subsidy is best suited for startups in India seeking non-dilutive funding of ₹10.2L. If that describes your startup, review the eligibility criteria above before applying.