Gujarat State Business & EntrepreneurshipWomen and Child

New Swarnim Yojana (for women only) GNTDNT

Women from nomadic and denotified tribes in Gujarat living below the poverty line can get loans of up to ₹2 lakh at 5% annual interest to start any self-employment business of their choice — with zero contribution required from the borrower. The scheme is run by the Gujarat Nomadic and Denotified Tribes Development Corporation. Apply online at gndcdconline.gujarat.gov.in.

Social Justice and Empowerment Department For: Individual Official Source
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About This Scheme

Women from nomadic and denotified tribes in Gujarat living below the poverty line can get loans of up to ₹2 lakh at 5% annual interest to start any self-employment business of their choice — with zero contribution required from the borrower. The scheme is run by the Gujarat Nomadic and Denotified Tribes Development Corporation. Apply online at gndcdconline.gujarat.gov.in.

Full official description

The scheme "New Swarnim Yojana (For Women Only)" by the Social Justice and Empowerment Department, Government of Gujarat, aims to empower women of nomadic and denotified castes living below the poverty line to achieve economic upliftment by getting self-employment with dignity. Under this scheme, women beneficiaries will be able to do business/occupation of their choice. The Gujarat Nomadic and Denotified Tribes Development Corporation implement the scheme.

Benefits

  • Loan up to ₹2,00,000 (covers 100% of the business/occupation cost)
  • Interest rate: 5% per annum
  • Zero borrower contribution required (95% from National Corporation + 5% from State Government)
  • Repayment: 60 equal monthly installments (5 years), including interest

Who Can Apply (Eligibility)

  • Must be a woman from a nomadic or denotified caste in Gujarat
  • Age: 21–50 years at time of application
  • Annual family income must not exceed ₹3,00,000 (effective from April 2018)
  • Must have experience in a technical and skilled trade or business
  • At least 50% of total scheme funds reserved for families with annual income up to ₹1,50,000

How to Apply

Online

Step 1: Visit the Official Portal

  • Go to the Official Website Gujarat Nomadic and Denotified Tribes Development Corporation. - Scroll down on the homepage, find the "New Swarnim Yojana" and click on "Apply Now".
  • You will be directed to the application form.

Step 2: Access and Fill Out the Application Form

  • Complete all sections under "Applicant information," including full name, father/husband's name, gender, complete address details, contact numbers, Aadhaar No., parents/husband/guardian occupation and income details. Also provide Date of Birth, Age, Caste, and Subspecies. Also, if you are disabled and provide a percentage.
  • For each applicable qualification (SSC, HSC, Diploma, Degree, Graduation), tick the checkbox and fill in the Degree, Board/University Name, Academic year, and Percentage obtained.
  • Fill in details about the college/institution admitted to, university affiliation, course name, enrollment number, organisation address, website, course duration (in years and semester), and date of admission.
  • Specify who accredited the course/institution, their name, and address. Proof of accreditation must be submitted.
  • Select "Yes" or "No" for "Have you obtained admission through government-mandated admission?".
  • If staying in a hostel, provide the Hostel name, Hostel address, and Hostel contact number.
  • Fill in the requested loan amounts for Admission Fee, Tuition Fee, Examination Fee, Hostel Fee, Estimated cost of books/stationery, and Other fees.
  • List details of any physical assets owned (land, house, government property, NCC, LIC, KVP, etc.).
  • Indicate if anyone in the family works in a government/private sector job. If "Yes," provide Name, Designation, Place, and Salary details.
  • Fill in the Bank Account Number, select the Bank Name from the dropdown, provide the Branch Name, Name as per Account, select Bank Account Type (Saving/Current), and enter the MICR Code and IFSC Code.

Step 3: Review and Final Submission

  • Carefully review each module. Use the preview option to examine the application before final submission. Fill out the provided "CAPTCHA" and Click on “Submit”.

Track and Review Status

  • Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
  • Go to the Official Website Gujarat Nomadic and Denotified Tribes Development Corporation. - Scroll down and locate the Know App Status. Click on "Know App Status".
  • Select the Scheme name, Enter App No., and Birth Date. Fill out the Captcha and click on Submit.

Frequently Asked Questions

What is the main purpose of this scheme?

This special new scheme aims for the economic upliftment of women from nomadic and denotified castes living below the poverty line, helping them achieve self-employment with dignity.

What kind of business or occupation can I choose to undertake if I receive a loan under this scheme?

Under this scheme, you will be able to undertake a business or occupation of your choice.

Who is eligible to apply for a loan under this scheme?

The applicant must be a woman from a nomadic or denotified caste.

What are the age criteria to apply for this scheme?

The applicant's age should be at least 21 years and not more than 50 years as of the date of application.

Do I need to have any specific experience to be eligible for this loan?

Yes, the applicant must have experience in a technical and skilled trade or business.

Will I need to provide any collateral to secure the loan?

Yes, the applicant will have to provide suitable collateral to get the loan.

What is the interest rate applicable to the loan amount?

The interest rate will be 5% per annum.

What percentage of the business/occupation amount is provided as a loan under this scheme?

Under this scheme, 100% loan of the business/occupation amount is provided.

What are the contributions from different entities towards the loan amount?

The loan amount will consist of 95% National Corporation contribution, 5% State Government contribution, and zero beneficiary contribution.

How long do I have to repay the loan amount, including interest?

The loan amount, including interest, will have to be repaid in 60 equal monthly instalments.

Ready to apply?

Visit the official government portal to apply for this scheme.

Apply on myScheme.gov.in

Documents Required

  • Aadhaar Card.
  • Ration Card.
  • Domicile Certificate.
  • Caste Certificate.
  • Passport-size Photograph.
  • Proof of Technical and Skilled Trade/Business Experience.
  • Collateral Documents.
  • Bank Account Details.

Tags

Self EmploymentBusinessLoanNomadic And Denotified Castes
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