Passenger Auto Rickshaw Loan Scheme — Gujarat SC Antyodaya Loan

The Passenger Auto Rickshaw Loan Scheme is a credit programme from the Government of Gujarat that helps a person from a Scheduled Caste household in an Antyodaya family buy a passenger auto-rickshaw and run it as a business. The Social Justice and Empowerment Department is the sponsoring department, and the Dr. Ambedkar Antyodaya Development Corporation (DAADC) delivers the scheme on the ground.

The logic behind it is straightforward. For most low-income households, the single largest barrier to entering transport work is the price of the vehicle itself. By advancing the capital needed for that purchase, the scheme lets a beneficiary start earning as an auto-rickshaw operator rather than staying dependent on uncertain wage work. The vehicle becomes a working asset that brings in money over time.

Support here is a loan, not a grant or an equity stake. The amount sanctioned varies from case to case, and the money is meant to be repaid on the terms DAADC sets out. Because it is a debt instrument, the beneficiary gives up no ownership share in the enterprise.

There is no fixed application window — submissions are accepted on a rolling basis. Applications move through the DAADC online portal at daadconline.gujarat.gov.in, which handles registration, form filling and document upload. The scheme is also reachable through the state's scheme listing at mariyojana.gujarat.gov.in.

• Loan (not a grant) to buy a passenger auto-rickshaw
• Open to Scheduled Caste applicants from Antyodaya families in Gujarat
• Household income must stay within ₹3,00,000 a year
• Rolling applications — no fixed deadline
• Delivered by the Dr. Ambedkar Antyodaya Development Corporation
• Applied online through the DAADC portal

Four conditions decide who gets in, and all of them have to be met together:

• Gujarat domicile — the applicant has to be living permanently in Gujarat.
• Scheduled Caste background — the scheme is reserved for applicants from an SC community.
• Antyodaya family status — the applicant's household must be recognised as an Antyodaya family.
• Income ceiling — total household income from every source must stay within ₹3,00,000 per year.

The beneficiary is an individual who will operate the auto-rickshaw, rather than a company or a partnership firm. DPIIT recognition and MSME registration are not part of the stated eligibility checklist here; the test is caste, household status, income and residency, verified against certificates and proofs.

Passenger Auto Rickshaw Loan Scheme — Gujarat SC Antyodaya Loan is open to startups at any stage. It is open to startups registered anywhere in India.

Passenger Auto Rickshaw Loan Scheme — Gujarat SC Antyodaya Loan 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 scheme's support takes one concrete form: a repayable loan that funds the purchase of a passenger auto-rickshaw. The sanctioned amount varies, so there is no single published figure that applies to every applicant.

The practical effect of that capital is what matters most. Owning the vehicle converts the beneficiary from someone seeking work into a self-employed transport operator, and the auto-rickshaw then generates a steady income stream for the household. This is the route the scheme uses to reduce economic vulnerability and bring marginalised families into Gujarat's mainstream economy.

Because the assistance is structured as debt, it is non-dilutive — no equity, no ownership share and no claim on the business is handed over. Repayment follows the terms laid down by the Dr. Ambedkar Antyodaya Development Corporation.

Passenger Auto Rickshaw Loan Scheme — Gujarat SC Antyodaya Loan 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.

• Online application — the applicant completes one-time registration on the DAADC portal, logs in, fills in the personal, family and scheme-specific sections, and uploads scanned copies of the required papers before submitting.
• Document verification — DAADC officials examine the form and attachments against the eligibility conditions, with caste, household income and residency checked most closely.
• Possible field verification — a visit or enquiry may be arranged in some cases to confirm the applicant's background and the genuineness of the need.
• Notification — applicants who clear scrutiny are informed of the outcome.
• Disbursement and purchase — the loan procedure moves forward and the process for buying the auto-rickshaw is set in motion.

Before you apply to Passenger Auto Rickshaw Loan Scheme — Gujarat SC Antyodaya Loan, 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.