Vahan Loan Sahay Yojana: Gujarat Vehicle Loan at 5% (4% for Women)

The Vahan Loan Sahay Yojana is a state-backed vehicle loan for people in Gujarat who earn their living through self-employment. It is offered by the Social Justice and Empowerment Department of the Government of Gujarat and operates as one component of the state's larger Self-Employment Scheme.

Day-to-day delivery of the scheme rests with the Gujarat Unreserved Education and Economical Development Corporation. It is aimed at applicants from the unreserved category, and its purpose is to clear the single biggest hurdle such an applicant faces — raising enough money upfront to put a working vehicle on the road.

Loan money from the scheme goes towards a rickshaw, a loading rickshaw, a Maruti car or a jeep taxi: the kind of vehicle that becomes the applicant's livelihood and the base of a small transport business. By financing that asset and recovering it over a fixed term, the programme is built to encourage self-reliance, get micro-enterprises moving and contribute to the state's economic growth.

• Loan covers the on-road cost of a rickshaw, loading rickshaw, Maruti car or jeep taxi
• Interest is 5% simple per year, cut to 4% for women applicants
• Repaid in equal monthly instalments over 5 years
• Open to Gujarat residents aged 18 to 50 from the unreserved category
• Family income must stay at or under ₹6,00,000 a year
• Applications accepted on a rolling basis, capped at 5 beneficiaries per village

Before applying, you have to clear a set of personal and financial conditions set by the corporation.

• Residency: You must be a resident of Gujarat.
• Category: The scheme is for applicants belonging to the unreserved category.
• Age: You should be between 18 and 50 years old.
• Driving licence: You must hold a valid driving licence.
• Income ceiling: Your family's annual income cannot be more than ₹6,00,000.
• Security: The vehicle you buy has to be mortgaged (hypothecated) to the corporation.
• Repayment: You must be willing to pay the loan back through equal monthly instalments spread across 5 years.
• One per family: Only a single member of a family can take the benefit of this scheme.

Vahan Loan Sahay Yojana: Gujarat Vehicle Loan at 5% (4% for Women) is open to startups at any stage. It is open to startups registered anywhere in India.

Vahan Loan Sahay Yojana: Gujarat Vehicle Loan at 5% (4% for Women) 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.

Support under this scheme comes as a loan rather than a grant, and the amount varies — it is worked out against the vehicle's full on-road cost.

• What it covers: the on-road cost of the unit you are buying, whether that is a rickshaw, a loading rickshaw, a Maruti car or a jeep taxi.
• Interest: 5% simple interest per year, charged on the loan amount. Women beneficiaries pay a reduced 4% per year.
• Repayment: the loan runs for 5 years, paid off in equal monthly instalments.

The money is meant to help a self-employed person put an income-earning vehicle on the road, either to start a transport-related micro-business or to grow one that already exists.

Vahan Loan Sahay Yojana: Gujarat Vehicle Loan at 5% (4% for Women) 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.

Every application passes through two checks. Once your form is submitted online, the file is reviewed, and the documents you uploaded go through physical verification.

Your case is then assessed by the concerned Deputy Director (Non-Reserved Category) or the District Social Welfare Officer. They judge it on whether you satisfy the eligibility criteria and whether your paperwork is complete.

Selection also runs against a quota: no more than 5 beneficiaries are picked from any single village. Approval is therefore decided locally, based on the resources available and the level of demand in that particular area.

Before you apply to Vahan Loan Sahay Yojana: Gujarat Vehicle Loan at 5% (4% for Women), 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.