New Swarnim Yojana (for women only) GNTDNT
₹2 lakh self-employment loan · 5% interest, 100% coverage · nomadic & denotified tribe women
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.
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
💡 Why Startups Should Care
With zero beneficiary contribution and a 100% loan for the business amount, this scheme removes the biggest barrier — upfront capital — entirely. For women from nomadic and denotified communities below the poverty line, this is close to grant-level support structured as an affordable loan.
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
- Visit gndcdconline.gujarat.gov.in — official GNDTDC portal.
- Register as a new user with your personal details.
- Log in and select the New Swarnim Yojana scheme.
- Fill in personal, income, and business details.
- Upload Aadhaar, ration card, domicile certificate, caste certificate, and experience proof.
- Submit the application and save your Reference Number.
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.inDocuments Required
- Aadhaar card
- Ration card
- Domicile certificate
- Caste certificate
- Passport-size photograph
- Proof of technical/skilled trade or business experience
- Collateral documents
- Bank account details