Mahila Samriddhi Yojana (GTKVN)
₹60,000 micro-loan · 4% interest, 100% coverage · Thakor & Koli women
Women from Thakor and Koli communities in Gujarat can access low-interest loans of up to ₹60,000 to start or expand small businesses, with the Gujarat Thakor and Koli Vikas Nigam covering 100% of the business cost. Interest is 4% per annum, repayable over 4 years in equal monthly installments. Apply online at gtkdconline.gujarat.gov.in.
About This Scheme
Women from Thakor and Koli communities in Gujarat can access low-interest loans of up to ₹60,000 to start or expand small businesses, with the Gujarat Thakor and Koli Vikas Nigam covering 100% of the business cost. Interest is 4% per annum, repayable over 4 years in equal monthly installments. Apply online at gtkdconline.gujarat.gov.in.
Full official description
The "Mahila Samriddhi Yojana" is implemented by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to empower women entrepreneurs from the Thakor and Koli communities by providing access to micro-loans for self-employment. Under this scheme, financial assistance in the form of low-interest loans is provided to eligible women beneficiaries to help them set up small businesses or trades based on their skills.
Benefits
- Loan up to ₹60,000 (covers 100% of the proposed business/trade cost)
- Interest rate: 4% per annum
- Repayment: 48 equal monthly installments (4 years) including interest
- 50% of total scheme funds prioritized for the poorest families (income up to ₹1.5 lakh/year)
💡 Why Startups Should Care
With 100% loan coverage (no personal contribution needed) at just 4% interest, this is one of the most accessible starter loans for Thakor and Koli women. The ₹60,000 amount fits well for tailoring units, small retail, or home-based food businesses.
Who Can Apply (Eligibility)
- Must be a woman from Thakor or Koli caste residing in Gujarat
- Age: 21–50 years at time of application
- Annual family income must not exceed ₹3,00,000
- Must have relevant technical skills and experience in the proposed trade or business
- Must be able to provide suitable collateral for the loan
- Priority: at least 50% of total loan funds reserved for families with annual income up to ₹1,50,000
How to Apply
- Visit gtkdconline.gujarat.gov.in and click "Apply Now" in the top menu.
- Click on the "Mahila Samriddhi Yojana" loan scheme.
- Select the loan category and fill in the loan amount.
- Fill in personal information, address, income details, and bank account details.
- Upload Aadhaar, ration card, voter ID, caste certificate, income certificate, and bank passbook.
- Click "Preview" to verify details, then "Submit" — save your Application ID.
Frequently Asked Questions
Who can apply for this scheme?
Women belonging to the Thakor or Koli communities are eligible to apply.
What is the income eligibility criterion under the scheme?
The annual family income should not exceed ₹3 lakh. Priority is given to families with income up to ₹1.50 lakh.
What is the repayment term?
The loan has to be repaid in 48 equal monthly installments along with interest.
Can women from other communities apply for this scheme?
No, only women from the Thakor or Koli communities are eligible.
Is there any margin money required from the applicant?
No margin money is required. The scheme covers 100% of the proposed business loan amount.
Is collateral needed?
A guarantor or surety is required.
Where do I apply online?
Applicants apply online through https://gtkdconline.gujarat.gov.in/
Can the loan be used for purposes other than business?
No, the loan is strictly meant for starting or expanding a trade or business.
What is the rate of interest on the loan?
The loan carries an interest rate of 4% per annum.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Ration card
- Voter ID
- Passport-size photos
- Business address proof
- Birth certificate
- Caste certificate
- Income certificate
- Bank passbook