Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 4% for Women

Mahila Samriddhi Yojana is a Gujarat government microfinance loan scheme for women entrepreneurs. It is run by the Gujarat Nomadic and Denotified Castes Development Corporation, which functions under the state's Social Justice and Empowerment Department.

The scheme targets one specific group: women from Nomadic and Denotified Castes who want to begin or expand an independent business or occupation of their choosing. Support is delivered as credit rather than a grant, with the state keeping the cost of borrowing low at 4% per annum and the loan ceiling at ₹1,25,000.

Two features make the design unusual. First, the borrower puts in nothing towards the amount sanctioned — the entire requirement of the business or occupation is funded through the loan, with 95% coming from the National Corporation and 5% from the State Government. Second, repayment is spread across 48 equal monthly instalments that already include the interest, keeping the monthly outgo predictable.

The objective is socio-economic upliftment through self-employment: giving women who would struggle to access ordinary commercial credit a realistic route to financial independence. Applications are accepted on a rolling basis with no fixed closing date, and the entire process — form, uploads, submission and status tracking — happens online.

• Microfinance loan of up to ₹1,25,000
• Interest rate of 4% per annum
• Repayment spread over 48 equal monthly instalments
• Zero beneficiary contribution — the full business amount is funded as a loan
• Exclusively for women from Nomadic and Denotified Castes in Gujarat
• Applicant age must be between 21 and 50 years, with family income up to ₹3,00,000
• Applications accepted on a rolling basis with no fixed deadline

The scheme is open only to women who meet a defined set of caste, age, income and experience conditions.

• The applicant must be a woman.
• She must belong to a Nomadic Caste or a Denotified Caste.
• Her age must fall between 21 and 50 years.
• Her family's annual income must be up to ₹3,00,000.
• At least 50% of the loan amount is set aside for families earning up to ₹1,50,000 a year.
• She must have experience in a technical and skilled trade or business.
• Suitable collateral is required to secure the loan.

Because the loan is secured, applicants should expect to pledge acceptable collateral as part of the application. Family income is assessed as a whole, not just the applicant's personal earnings.

Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 4% for Women is open to startups at any stage. It is open to startups registered anywhere in India.

Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 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.

The benefit under Mahila Samriddhi Yojana is a loan package built around a low interest rate and no upfront contribution from the borrower.

• Loan of up to ₹1,25,000 as microfinance support.
• Interest charged at 4% per annum.
• Repayment in 48 equal monthly instalments, with interest included in the instalment amount.
• Zero beneficiary contribution — 100% of the amount required for the business or occupation is provided as a loan, so the applicant does not have to fund any part of the principal herself.
• The money is pooled from two sources: 95% from the National Corporation and 5% from the State Government.

Taken together, this means a woman from a Nomadic or Denotified Caste can finance a new business or expand an existing one without arranging matching capital of her own, and can repay the entire amount over four years at a concessional rate.

Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 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.

There is no fixed application window to wait for — the scheme runs on a rolling basis, so you can start at any time. The process is handled online:

• Open the Gujarat Nomadic and Denotified Castes Development Corporation website, scroll to the Mahila Samriddhi Yojana listing and choose "Apply Now" to open the form.
• Fill in the applicant information: full name, father's or husband's name, gender, complete address, contact numbers, Aadhaar number, occupation and income particulars of parents, husband or guardian, date of birth, age, caste and sub-caste, and disability status with percentage where applicable.
• State whether you have taken a loan in the past. If yes, provide the loan date, amount, the amount already paid, the outstanding balance and the account number.
• Enter your bank details: account number, bank and branch name, name as per the account, account type (saving or current), MICR code and IFSC code.
• Upload your photograph and signature, each file under 15 KB, and save them.
• Upload the required documents, which must be in PDF, JPG, JPEG or PNG format.
• Review every module using the preview option, complete the CAPTCHA and submit.
• Note down the Application ID or reference number you receive and keep a print or copy of the acknowledgement for later tracking.
• To check progress later, use "Know App Status" on the official website, select the scheme, enter your application number and date of birth, fill in the CAPTCHA and submit.

Before you apply to Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 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.

Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 4% for Women is best suited for startups in India seeking non-dilutive funding of ₹1.3L. If that describes your startup, review the eligibility criteria above before applying.