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

It is a Gujarat government microfinance loan scheme for women entrepreneurs, implemented by the Gujarat Nomadic and Denotified Castes Development Corporation under the state's Social Justice and Empowerment Department. Its purpose is to help women from Nomadic and Denotified Castes become self-employed by funding a business or occupation of their own.

Eligible beneficiaries can take a microfinance loan of up to ₹1,25,000. The full amount required for the business or occupation is covered by the loan, so no part of the principal has to be arranged by the applicant.

Interest is charged at 4% per annum, which is what makes the scheme affordable for its target group. The loan is repaid through 48 equal monthly instalments, and the interest is included in those instalments rather than billed separately.

No. There is zero beneficiary contribution towards the principal. The funding is split between two sources, with 95% coming from the National Corporation and 5% from the State Government, and the entire amount is extended as a loan.

No. This is a debt scheme, so the money is a loan that you repay in instalments over 48 months. The government does not take any stake or ownership share in your business.

The applicant must be a woman belonging to a Nomadic Caste or a Denotified Caste, aged between 21 and 50 years. She must have experience in a technical and skilled trade or business, and suitable collateral is required to secure the loan.

Yes. The family's annual income must be up to ₹3,00,000. In addition, at least 50% of the loan amount is allocated to families whose annual income is up to ₹1,50,000, so households in the lower income bracket have a reserved share of the scheme's lending.

There is no closing date. Applications are accepted on a rolling basis and the scheme is always open, so you can apply whenever your documents and business plan are ready.

You will need your Aadhaar number, personal information including date of birth, age, caste and sub-caste, disability status with percentage if applicable, occupation and income details of your parents, husband or guardian, and full bank particulars — account number, name as per account, account type, bank and branch name, MICR code and IFSC code. You also have to disclose any loan taken in the past, with its date, amount, amount repaid, balance outstanding and account number. Uploads include your photograph and signature, each under 15 KB, plus supporting documents in PDF, JPG, JPEG or PNG format.

Apply online through the Gujarat Nomadic and Denotified Castes Development Corporation portal — open the Mahila Samriddhi Yojana section and click "Apply Now". Fill the form, upload your photo, signature and documents, review the preview, complete the CAPTCHA and submit. You will receive an Application ID or reference number, which you should save along with the acknowledgement. To track progress, go to the official website, click "Know App Status", select the scheme, enter your application number and date of birth, fill the CAPTCHA and submit.

The application form specifically asks whether you have taken a loan in the past. If you answer yes, you must provide the loan date, the amount, how much has been paid, the remaining balance and the account number. This is a disclosure requirement at the form stage; the eligibility conditions themselves are based on caste, age, income, trade experience and collateral.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Mahila Samriddhi Yojana Gujarat — ₹1.25 Lakh Loan at 4% for Women, though having it can strengthen your application and unlock other benefits.

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. It is provided as non-dilutive funding.