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

Each selected woman can receive an individual loan of up to ₹1,00,000. The amount is sanctioned in the beneficiary's own name rather than to a company or group.

The loan carries an annual interest rate of 4%. Since the support is structured as debt, the beneficiary repays what she borrows along with interest at that rate.

Four conditions apply together: the applicant must be a woman, must be a native resident of Gujarat State, must be either a Safai Kamdar or a dependent woman of a Safai Kamdar, and must be between 18 and 50 years of age.

No. The scheme covers two groups — women who work as Safai Kamdars themselves and women who are dependents of a Safai Kamdar. In both cases the applicant must be a woman, a native Gujarat resident, and within the 18 to 50 age band.

Yes. An applicant's age must not be less than 18 years and must not exceed 50 years. Applications from outside that range do not meet the scheme's eligibility criteria.

No. Native residency in Gujarat State is a mandatory condition. This is a Gujarat Government scheme delivered through the state's eSamajKalyan portal, so applicants must be native residents of the state.

The loan is meant for self-employment ventures and small businesses. Named examples include mandap decoration, computer and electrical shops, animal husbandry, grocery stores, bamboo work, sewing and embroidery, beauty parlours and mobile repairing — the list is illustrative, not exhaustive.

There is no fixed deadline. The scheme operates on a rolling basis and accepts applications continuously, so you can apply whenever your business plan and documents are ready.

No. This is a debt scheme — you take a loan and repay it at 4% annual interest. No equity stake or ownership share is taken, so the business stays entirely yours.

You will need proof of identity, proof of address, proof of age, and proof that you are a Safai Kamdar or a dependent of one, along with documents relating to the business you are proposing. All of these are uploaded on the eSamajKalyan portal as part of the application.

Applications are made online on the eSamajKalyan portal at esamajkalyan.gujarat.gov.in. Register as a new user under the Gujarat Safai Kamdar Development Corporation section, create a user ID and password, then log in with those credentials and the captcha code. After reading the scheme details and confirming, verify your permanent address, click 'Save & Next' and fill in the form including details of your proposed business and financial need. Upload the required documents, review everything, click 'Yes, Submit' and then 'Save Application'. Note down the application number shown and optionally print a copy for your records.

Submitted applications go through screening, verification of the applicant's eligibility, review of the uploaded documents and an assessment of the proposed business plan. The Gujarat Safai Kamdar Vikas Nigam then allocates funds to applicants who fit the scheme's guidelines, and you may be contacted for clarification or verification along the way.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest, though having it can strengthen your application and unlock other benefits.

Mahila Samruddhi Yojana (GSKVN) — ₹1 Lakh Loan at 4% Interest is offered by Social Justice and Empowerment Department, Government of Gujarat, a government body. It is provided as non-dilutive funding.