New Swarnima Yojana for Women — ₹1 Lakh GTKVN Loan at 5% — Frequently Asked Questions

It is a self-employment loan scheme for women, operated by the Gujarat Thakor and Koli Vikas Nigam (GTKVN), which works under the Social Justice and Empowerment Department of the Government of Gujarat. It was created to help women from the Thakor and Koli communities, especially those in BPL households, start a business or trade of their own.

Eligible applicants can receive up to ₹1,00,000, and the loan can finance 100% of the approved project or business cost. In other words, you are not required to fund part of the project yourself before GTKVN steps in.

The rate is 5% per annum. Repayment is spread over five years and is made through 60 equated monthly instalments, with interest included in those instalments.

You must be a woman and a resident of Gujarat, belonging to either the Thakor or the Koli community. Your age has to be between 21 and 50 years on the date you apply, and your family's yearly income must not cross ₹3,00,000. You also need relevant experience in the business or trade you plan to take up, and you must be able to provide suitable collateral.

No. The scheme runs on a rolling basis, so applications remain open at all times. You can apply whenever your business plan and documents are ready, without waiting for a specific window to open.

No. This is a debt scheme, so GTKVN does not take a stake in your venture. You receive the amount as a loan, repay it with interest over five years, and continue to own and control the business entirely.

Yes. Providing suitable collateral is a prerequisite, and the application cannot move forward to sanction without it. The loan is a secured advance rather than an unsecured one.

The scheme is meant for self-employment ventures and trades, and it does not restrict applicants to particular sectors. The business you choose has to be one you have relevant experience in and one that GTKVN approves as a viable project.

You will need scanned copies of your caste certificate, income certificate, Aadhaar card, a passport-size photograph, the first page of your bank passbook, and proof of residence. The online form also asks for personal details such as name, gender, date of birth and caste, your permanent and correspondence addresses, monthly family income and its source, the loan amount you are seeking and how you intend to use it, along with your bank account details for disbursement.

Applications are made online through the GTKVN portal at https://gtkdconline.gujarat.gov.in/. You select the scheme and the relevant loan category, enter the amount you need, complete the application form and upload your documents. Use the preview option to check everything before submitting. On successful submission you will receive an Application ID or reference number — save or print it so you can track your application later. General information about GTKVN is available at https://sje.gujarat.gov.in/gtkvn/Home?lang=English.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for New Swarnima Yojana for Women — ₹1 Lakh GTKVN Loan at 5%, though having it can strengthen your application and unlock other benefits.

New Swarnima Yojana for Women — ₹1 Lakh GTKVN Loan at 5% is offered by Gujarat Thakor and Koli Vikas Nigam (GTKVN), a government body. It is provided as non-dilutive funding.