Mahila Samrudhhi Yojana — ₹1.25 Lakh Loan at 4% for Women — Frequently Asked Questions
Answers to the questions founders most often ask about Mahila Samrudhhi Yojana — ₹1.25 Lakh Loan at 4% for Women — who qualifies, the funding amount, required documents and how the application works.
Frequently asked questions
How much loan can I get under the Mahila Samrudhhi Yojana?
Eligible women can receive a microfinance loan of up to ₹1,25,000. The scheme is also listed with a ceiling of up to ₹1.3 lakh. The money is released as a repayable loan, not as a grant.
What interest rate applies to this loan?
The loan carries a concessional interest rate of 4% per annum, which keeps the repayment burden low for a small business.
Who is eligible to apply?
The scheme is open to women aged between 21 and 45 years who belong to the Rabari and Bharwad castes, categorised as socially and educationally backward classes, and whose annual income does not exceed ₹3,00,000.
Is the scheme open to every woman in Gujarat?
No. It is targeted specifically at individual women from the Rabari and Bharwad communities in Gujarat who meet the age and income conditions. Applicants from other communities are not covered by this particular scheme.
Does the scheme take equity in my business?
No. This is a debt scheme, so it is entirely non-dilutive — you repay the loan with interest at 4% per annum and keep full ownership of your venture.
Do I need DPIIT recognition or MSME registration to apply?
Neither is listed as a requirement. Eligibility is determined by caste, gender, age and income rather than by any startup or MSME registration.
What is the last date to apply?
There is no fixed deadline. The scheme runs on a rolling basis, so applications can be submitted online at any point during the year.
How do I apply for the Mahila Samrudhhi Yojana?
Applications are filed online. Go to the Gujarat Gopalak Vikas Nigam website, find the Mahila Samrudhhi Yojana section and click Apply Now, fill in the form, verify the details using the preview option, enter the CAPTCHA and submit. Once submitted, an Application ID or reference number is generated — save or print it for later use.
What information and documents will I need to furnish?
Expect to provide Aadhaar, Ration card and Voter ID details, your full name, address with district, taluka, village and PIN, date of birth and age, caste and subcaste, phone, mobile and email, gender and marital status. You will also need your income certificate number, issue date, issuing officer's name and total annual family income, your parent or guardian's occupation, details of any family member in government or private employment, your highest educational qualification, and particulars of any earlier loans. Bank details required include account number, bank and branch name, name as per account, account type, MICR code and IFSC code. If you are physically handicapped, the percentage must be stated.
Can I choose which business to start?
Yes. The scheme gives beneficiaries the flexibility to select and start a business of their own preference, rather than tying the loan to a prescribed activity.
How can I check the status of my application?
Return to the official Gujarat Gopalak Development Corporation website and open the Know App Status section. Enter the scheme name, your application number, your date of birth and the CAPTCHA code, then submit to view the current status.
Who offers Mahila Samrudhhi Yojana — ₹1.25 Lakh Loan at 4% for Women?
Mahila Samrudhhi Yojana — ₹1.25 Lakh Loan at 4% for Women is offered by Gujarat Gopalak Vikas Nigam, a government body. It is provided as non-dilutive funding.
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