100% State Government Divyangjan Term Loan Yojana
₹50,000–1 lakh loan at 6% · Divyangjan (40%+ disability) · Gujarat
Gujarat's Social Justice Department offers concessional term loans of ₹50,000 to ₹1 lakh to persons with disabilities (40% or more, certified by a Civil Surgeon) to help them start or support livelihood and business ventures. The loan is repaid over 5 years at a subsidized interest rate of 6% per annum. Apply online through the eSamajkalyan portal at esamajkalyan.gujarat.gov.in.
About This Scheme
Gujarat's Social Justice Department offers concessional term loans of ₹50,000 to ₹1 lakh to persons with disabilities (40% or more, certified by a Civil Surgeon) to help them start or support livelihood and business ventures. The loan is repaid over 5 years at a subsidized interest rate of 6% per annum. Apply online through the eSamajkalyan portal at esamajkalyan.gujarat.gov.in.
Full official description
The scheme "100% State Government Divyangjan Term Loan Yojana" was launched by the Social Justice and Empowerment Department, Government of Gujarat, to provide financial support to native residents of Gujarat who have a disability of 40% or more. The eligible individuals can avail of a term loan ranging from ₹50,000/- to ₹1,00,000/- at a concessional interest rate of 6% per annum for a repayment period of five years. This initiative empowers PwDs to become self-reliant by supporting their livelihood and business ventures.
Benefits
- Loan amount: ₹50,000 to ₹1,00,000 (disbursed as a term loan)
- Interest rate: 6% per annum (subsidized rate)
- Repayment period: 5 years
💡 Why Startups Should Care
For entrepreneurs with disabilities, this state-backed loan removes reliance on informal or high-interest lenders, offering a formal, affordable path to self-employment capital.
Who Can Apply (Eligibility)
- Must be a resident of Gujarat
- Must have a disability of 40% or more
- Disability and its percentage must be certified by a Civil Surgeon
How to Apply
- Visit the eSamajkalyan official website (esamajkalyan.gujarat.gov.in).
- Register and select this scheme.
- Submit Aadhaar, bank passbook, birth certificate, and identity card.
- Attach PH Certificate from Civil Surgeon confirming 40%+ disability.
- Submit the application and track status.
Frequently Asked Questions
What is the objective of the "100% State Govt Divyangjan Term Loan Yojana"?
The "100% State Govt Divyangjan Term Loan Yojana" aims to provide financial assistance in the form of concessional loans to persons with disabilities who are residents of Gujarat and have been certified with at least 40% disability, thereby enabling them to become self-reliant and economically empowered.
Who is eligible to apply for this loan scheme?
Any person with a minimum of 40% disability, as certified by a civil surgeon, who is also a permanent resident of Gujarat, is eligible to apply under this loan scheme regardless of their income, education, profession, or category.
What is the range of loan amounts offered under this scheme?
Under this scheme, the eligible beneficiaries can receive a loan amount that ranges between ₹50,000/- and ₹1,00,000/-, based on their requirement and the discretion of the sanctioning authority.
What interest rate is charged on the loan amount under this scheme?
The scheme provides the loan at a concessional interest rate of only 6% per annum, which is significantly lower than standard market interest rates, thereby reducing the financial burden on the applicant.
What is the repayment duration provided for repaying the loan?
Beneficiaries under this scheme are granted a loan repayment period of 5 years, during which they must repay the principal and the interest as per the agreed terms.
Is there any income-related eligibility criterion for applicants under this scheme?
No, there is no individual or family income limit for applicants; the scheme is designed to be inclusive and is open to persons with disabilities from all income groups.
Does the scheme impose any restrictions based on caste, religion, or educational qualification?
The scheme does not discriminate based on caste, religion, educational qualifications, or professional background, and it is open to all eligible persons with disabilities in Gujarat.
Where can an interested applicant submit their application for the scheme?
Interested individuals can apply online by visiting the official eSamajKalyan portal, where they must register, complete the application form, and upload the required documents.
What documents must be submitted along with the application form?
Applicants must upload essential documents, including their Aadhaar Card, bank passbook or a cancelled cheque, birth certificate, identity card, disability certificate issued by a civil surgeon, PH identity card, and a true copy of their election card.
Is there a specific age requirement for applicants of this scheme?
While the scheme does not specify a particular age limit, applicants must be of legally permissible age to apply for a government loan, typically meaning they must be adults capable of entering into a loan agreement.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Bank passbook / cancelled cheque
- Birth certificate
- Identity card
- Physically Handicapped (PH) certificate from Civil Surgeon