How to Apply for Small Scale Lending Scheme — ₹1.25L Microcredit at 5% (Gujarat)

Selection begins with an online application filed through the DAAD Online portal, where the form and supporting documents are uploaded together.

Once submitted, the papers are examined by Gujarat Gopalak Vikas Nigam, the implementing agency, along with the Social Justice and Empowerment Department. The review checks that every eligibility condition is satisfied — caste verification, the 21 to 45 age band and the income ceiling — and that the uploaded documents are genuine and complete, with the paperwork cross-referenced for consistency.

The scheme does not mention separate committee evaluations, interviews or pitch rounds. In practice, the process is administrative scrutiny followed by sanction and disbursal, so that credit reaches eligible and deserving applicants.