Gujarat Self-Employment Scheme: ₹6 Lakh Loan, 5% Subsidy — Frequently Asked Questions

The loan you can draw is up to ₹6,00,000. The scheme's own contribution is an interest subsidy of 5%, and since the loan itself carries 5% simple interest, that subsidy cancels out the interest entirely — so in practice you repay only the principal amount.

No. Applications are accepted on a rolling basis, so you can apply whenever you are ready. The practical constraint is the village-level cap: only five beneficiaries per village are selected, so it pays to apply early.

You must be a Gujarat resident from the unreserved category, aged between 18 and 50, holding a valid driving licence, with an annual family income of ₹6,00,000 or less. You also need to be willing to repay the loan in equal monthly instalments over five years, and to have the vehicle hypothecated to the corporation.

No. This is an interest subsidy on a bank loan, so nothing is diluted — the government does not take a stake and you remain the full owner of your venture.

Neither is listed among the scheme's requirements. What the scheme does insist on is Gujarat residency, unreserved category status, an age of 18 to 50, a valid driving licence, a family income of ₹6,00,000 or less, and readiness to repay over five years.

You upload supporting documents such as your caste certificate, income proof, mark sheets and driving licence as part of the online application. After submitting, you print the full application form, sign it, and send it in with physical copies of those same documents.

The loan is repaid through equal monthly instalments spread over five years.

It funds vehicle purchase and the infrastructure required for a transport, logistics, travels or food court business. Any vehicle bought under the scheme must be mortgaged (hypothecated) to the corporation.

No. Only one person per family is allowed to take the benefit of this scheme.

Register on esamajkalyan.gujarat.gov.in, open the Gujarat Unreserved Education and Economical Development Corporation section, select Transport/Logistics/Travels/Food Court Wyaaj Sahaay under Self-Employment Scheme and click Apply Now. Complete the form, upload your documents and submit. Then take a printout, sign it and deliver it with the documents to the Deputy Director (Non-Reserved Category) or the District Social Welfare Officer, by courier, post or in person.

Gujarat Self-Employment Scheme: ₹6 Lakh Loan, 5% Subsidy is offered by Social Justice and Empowerment Department, Government of Gujarat, a government body. It is provided as non-dilutive funding.

Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.