Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest

The Mahila Samruddhi Yojana is a credit scheme from the Gujarat Government that helps women from sanitation-worker households build an income of their own. It is administered by the Social Justice and Empowerment Department, while the Gujarat Safai Kamdar Vikas Nigam (GSKVN) handles the rollout and the evaluation of applications.

The core offer is straightforward: an eligible woman can borrow up to ₹1,00,000 at a concessional 4% annual interest rate and put it into launching or expanding a small venture. Women who work as Safai Kamdars, together with the women who depend on them, are the intended beneficiaries of this support.

Because the funding is a loan, the scheme suits women who want to own and run a business themselves while repaying at a soft rate. Applications remain open all year with no fixed closing date, and the entire process runs online through Gujarat's eSamajKalyan portal.

The activities covered are broad rather than tied to one trade — tailoring and embroidery, beauty services, grocery retail, animal husbandry, bamboo craft, mandap decoration, computer or electrical shops and mobile repairing are all named as examples. For a founder in this category, the scheme can be the step from daily wage work to an independent business.

• Loan of up to ₹1,00,000 for each eligible woman
• Concessional interest of 4% per annum
• Open to female Safai Kamdars and their dependents in Gujarat
• Applicants must be native Gujarat residents aged 18 to 50 years
• Rolling applications — no fixed last date
• Covers trades such as grocery, tailoring, beauty parlour, animal husbandry and mobile repairing

The criteria for this scheme are narrow, and all of the following must hold true for an application to qualify:

• Gender: the applicant must be a woman.
• Domicile: she must be a native resident of Gujarat State.
• Category: she must be a Safai Kamdar (sanitation worker) or a dependent woman of a Safai Kamdar.
• Age: she must be at least 18 years old and not more than 50 years old.

The loan is sanctioned to an individual woman and made out in her own name for the venture she proposes. There is no requirement for a registered company or partnership mentioned in the scheme, and applicants are not restricted to one sector — the scheme instead names a wide set of small businesses it is meant to support.

Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest is open to startups at any stage. It is open to startups registered anywhere in India.

Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest 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.

Selected beneficiaries receive debt funding on soft terms:

• Loan size: up to ₹1,00,000 per eligible woman.
• Interest: 4% per annum on the amount sanctioned.
• Nature of the support: a loan, so the beneficiary repays it at the concessional rate and keeps complete ownership of her business — no stake or equity is given away.
• Purpose: to establish or expand a self-employment venture or small business.

The money can be used across a wide range of activities. The scheme names these as examples:

• Mandap decoration
• Computer and electrical shops
• Animal husbandry
• Grocery stores
• Bamboo work
• Sewing and embroidery
• Beauty parlours
• Mobile repairing

These are illustrations rather than a closed list — the loan is intended for self-employment ventures and small businesses generally, so the goal is to help a woman move into business ownership and improve her family's livelihood.

Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest 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.

Applications are assessed by the Gujarat Safai Kamdar Vikas Nigam (GSKVN) once they are submitted through the eSamajKalyan portal. The scheme does not publish a formal stage-by-stage timeline, but the evaluation is described in the following way:

• Screening: submitted applications are screened for completeness.
• Eligibility verification: the applicant's age, Gujarat residency and status as a Safai Kamdar or a dependent of one are checked.
• Document review: the proofs uploaded with the application are examined.
• Business plan assessment: the proposed venture and the financial requirement stated in the form are reviewed.
• Fund allocation: GSKVN allocates the loan to applicants whose proposals fit the scheme's objectives and guidelines.

Applicants may be contacted during this period for further clarification or verification, so keep the contact details in your application up to date.

Before you apply to Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest, 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 (GSKVN) — ₹1 Lakh Loan at 4% Interest is best suited for startups in India seeking non-dilutive funding of ₹1L. If that describes your startup, review the eligibility criteria above before applying.