Mahila Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat

Mahila Samruddhi Yojana is a concessional credit scheme reserved for women, delivered by the Development Corporation for Rabari/Bharwad and Allied Castes (DAADC) — the body also known as the Dr. Ambedkar Antyodaya Development Corporation — which functions under Gujarat's Department of Social Justice and Empowerment.

The idea behind it is simple: put usable capital into the hands of women from Antyodaya Samaj and Scheduled Caste households so they can run an enterprise of their own instead of depending on wage work. Rather than a one-time handout, DAADC extends a small loan that the borrower repays, which lets the same pool of money serve other women later.

What stands out is how the burden is shared. Against the ₹50,000 on offer, the state government carries 95%, that is ₹47,500, leaving the woman to put in only ₹2,500, or 5%. Interest is set at a concessional 6% per annum, and the amount is repaid across 36 months, which works out to roughly ₹1,445 a month. There is no last date to beat — the window stays open all year, and everything is handled through DAADC's online application system.

For a first-time woman entrepreneur without a credit record or collateral to show a bank, the structure is deliberately light at the entry point and predictable once repayments begin.

• Loan of up to ₹50,000 for a micro or small venture
• Concessional interest of 6% per annum
• Gujarat government bears 95% (₹47,500); borrower pays ₹2,500
• Repayment over 36 months, roughly ₹1,445 a month
• Reserved for Scheduled Caste women who are Gujarat residents
• No deadline — applications accepted round the year online

DAADC checks applicants on identity, family income and business intent. To be considered, a woman must satisfy every one of the following:

• She is a woman applicant.
• She is a permanent resident of Gujarat.
• She belongs to the Scheduled Caste (SC) category.
• Her family is covered by the Antyodaya Anna Yojana (AAY), or she comes from the economically backward class.
• Her annual family income does not cross ₹3,00,000.
• She intends to set up a self-employment venture or micro-enterprise.

All of these conditions apply together, so clearing the income ceiling alone is not enough without the caste and domicile requirements, and vice versa.

Mahila Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat is open to startups at any stage. It is open to startups registered anywhere in India.

Mahila Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat 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 support here is credit, and the headline figure is a loan of ₹50,000 per beneficiary — capital meant to be deployed into a micro or small business, either to launch one or to grow something already running.

The terms that matter:

• Interest: charged at a concessional 6% per annum.
• State government share: 95% of the loan amount, or ₹47,500, is borne by the Gujarat government.
• Borrower share: just 5%, which is ₹2,500.
• Repayment: spread over 36 months (three years), which translates into an instalment of approximately ₹1,445 per month.

Because the money is lent and not invested, the scheme does not pick up a stake in the business. Disbursement is routed to the bank account details supplied in the application form.

Mahila Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat is offered by Development Corporation for Rabari/Bharwad and Allied Castes, Government of Gujarat (DAADC), a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

Before you apply to Mahila Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat, 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 Samruddhi Yojana — ₹50,000 Loan for SC Women in Gujarat is best suited for startups in India seeking non-dilutive funding of ₹50,000. If that describes your startup, review the eligibility criteria above before applying.