Mahila Samruddhi (Gujarat Backward Caste Development Corporation)
Women from Other Backward Classes (OBC) in Gujarat can get low-interest loans up to ₹1.25 lakh to start a self-employment business of their choice. The Gujarat Backward Class Development Corporation funds 95% of the loan at just 4% interest per annum, with zero upfront contribution from the beneficiary. Apply online at gbcdconline.gujarat.gov.in.
About This Scheme
Women from Other Backward Classes (OBC) in Gujarat can get low-interest loans up to ₹1.25 lakh to start a self-employment business of their choice. The Gujarat Backward Class Development Corporation funds 95% of the loan at just 4% interest per annum, with zero upfront contribution from the beneficiary. Apply online at gbcdconline.gujarat.gov.in.
Full official description
The scheme "Mahila Samruddhi" by the Social Justice and Empowerment Department, Government of Gujarat, aims to provide a small-scale credit scheme for creating self-employment for women from backward classes. Through this scheme, low-interest rate loans are provided to female beneficiaries, enabling them to undertake a business of their choice. The scheme is implemented by the Gujarat Backward Class Development Corporation. The primary objective is to empower women from socially and educationally backward classes by facilitating self-employment opportunities.
Benefits
- Loan up to ₹1,25,000 for a self-employment business of the applicant's choice
- Interest rate: 4% per annum
- 95% of unit cost funded as a loan (95% National Corporation + 5% State Government contribution)
- Repayable in 48 equal monthly installments including interest
Who Can Apply (Eligibility)
- Must be a female resident of Gujarat
- Must belong to Other Backward Classes (OBC)
- Family annual income must not exceed ₹3,00,000
- Age between 21 and 45 years on the date of application
- Must have experience in a business requiring technical or skilled work
How to Apply
Step 1: Visit the official website of the Gujarat Backwards Caste Development Corporation. Step 2: On the top menu bar, click on "Apply Online". Step 3: If you’re a new user, click on "New Registration" Enter personal details (name, mobile number, email, aadhaar number, etc.), create a password, and complete OTP verification. Step 4: Use your registered credentials (User ID and password) to log in. Step 5: Click on “New Application”. Select “Mahila Samruddhi” from the list of available schemes. Step 6: Fill out the Application Form, enter the following details:
- Personal Information: Name, gender, date of birth, caste, etc.
- Address Information: Permanent and correspondence address
- Income Details: Monthly family income and source
- Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)
- Bank Account Details: For loan disbursement
Step 7: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
Step 8: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.
Step 9: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
Frequently Asked Questions
What is this scheme primarily for?
This scheme is a microfinance scheme aimed at creating self-employment opportunities for women from backward classes.
What type of business can I choose under this initiative?
Under this scheme, a female beneficiary has the freedom to choose a business of her choice for self-employment.
What kind of help can I expect from this initiative?
This scheme provides financial help in the form of a low-interest rate loan.
How much of the unit cost is provided as a loan?
95% of the unit cost of the proposed business will be provided as a loan.
Who contributes the 95% loan amount?
Out of the 95% unit cost provided as a loan, 95% is contributed by the National Corporation and 5% by the State Government.
How long do I have to repay the loan?
The loan needs to be repaid within 48 equal monthly instalments, which include the interest.
Am I eligible for this if I belong to any caste?
No, the applicant must belong to a socially and educationally backward class, specifically Other Backward Classes (OBC).
What is the age criteria to apply for this?
The applicant's age should be between 21 and 45 years on the date of applying for the loan.
Is this initiative only for women?
Yes, the scheme specifically targets female beneficiaries for self-employment.
What documents are required to apply for this?
You will need to provide a 7/12 Certificate, Aadhaar Card, Affidavit, Age Proof, Attested Copy of PAN Card, Bank Passbook (First Page), Birth Certificate, Caste Certificate, Identity Card, Income Certificate, Passport Size Photos, Quotations, Ration Card, Residence Proof, and School Leaving Certificate.
What is the first step to apply online?
The first step is to visit the official website of the Gujarat Backward Class Development Corporation.
After registration, what should I do to apply?
After registering, you need to log in with your registered User ID and password, then click on "New Application" and select the relevant scheme.
What should I do with the Application ID/Reference Number?
You should save or print the acknowledgement containing the Application ID/Reference Number for future tracking of your application status.
Are physical forms available for this application?
No, the application form type is online only.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- /12 Certificate
- Aadhar Card
- Affidavit
- Age Proof (cross-referencing eligibility criteria for age between 21 and 45 years)
- Attested Copy of Permanent Account Number (PAN) Card
- Bank Passbook (First Page)
- Birth Certificate
- Caste Certificate (cross-referencing eligibility for socially and educationally backward class)
- Identity Card
- Income Certificate (cross-referencing eligibility for family income limit of ₹3,00,000)
- Passport Size Photos
- Quotations
- Ration Card
- Residence Proof
- School Leaving Certificate