NEW SWARNIMA (Gopalak Nigam)
₹2 lakh self-employment loan · 100% coverage, 5% interest · Rabari & Bharwad women
The New Swarnima scheme from Gujarat Gopalak Vikas Nigam provides low-interest loans of up to ₹2 lakh to women from the Rabari and Bharwad communities who want to start their own business. The loan carries just 5% annual interest and targets women with family income under ₹3 lakh to encourage self-employment and economic independence. Apply online through the DAADC portal at daadconline.gujarat.gov.in.
About This Scheme
The New Swarnima scheme from Gujarat Gopalak Vikas Nigam provides low-interest loans of up to ₹2 lakh to women from the Rabari and Bharwad communities who want to start their own business. The loan carries just 5% annual interest and targets women with family income under ₹3 lakh to encourage self-employment and economic independence. Apply online through the DAADC portal at daadconline.gujarat.gov.in.
Full official description
The New Swarnima Scheme is a financial empowerment initiative by the Gujarat Gopalak Vikas Nigam under the Social Justice and Empowerment Department. It aims to provide 100% loan support to women from the Rabari and Bharwad communities to promote self-employment and entrepreneurship. Eligible women between the age of 21 and 45 years, with an annual family income up to ₹3 lakh, can receive a loan of up to ₹2 lakh at a subsidized interest rate of 5% per annum to start a business of their choice. The scheme is designed to increase economic independence and livelihood generation among backward class women.
Benefits
- 100% loan assistance — no upfront capital contribution required
- Loan amount up to ₹2 lakh
- Subsidized interest rate of 5% per annum
- Loan can be used for any business of the applicant's choice
💡 Why Startups Should Care
Full loan coverage at 5% interest means Rabari and Bharwad women can access ₹2 lakh in business capital with zero personal contribution — a genuine, low-risk starting point for economic independence.
Who Can Apply (Eligibility)
- Must be a woman from the Rabari or Bharwad caste
- Must be a permanent resident of Gujarat
- Must belong to a socially and educationally backward class recognized by the Government of Gujarat
- Age between 21 and 45 years
- Total annual family income must not exceed ₹3 lakh
- Must intend to start or run an own business or self-employment venture
How to Apply
- Visit daadconline.gujarat.gov.in — official DAADC portal.
- Register or log in using your credentials.
- Select the New Swarnima (Gopalak Nigam) scheme.
- Fill in personal, income, and business details.
- Upload residence certificate, caste certificate, income certificate, and age proof.
- Submit the application and track status on the portal.
Frequently Asked Questions
What is the New Swarnima Scheme?
A loan scheme for Rabari and Bharwad women to start self-employment ventures.
Who is eligible to apply?
Women from Rabari or Bharwad castes, aged 21–45, with income under ₹3 lakh/year.
What is the maximum loan amount?
₹2.00 lakh.
Is there any subsidy or grant in the scheme?
No subsidy, but interest is subsidized at 5% per annum.
Is collateral required?
No collateral is mentioned in the scheme guidelines.
Can I use the loan for any type of business?
Yes, any legal small business or trade.
Can a man apply under this scheme?
No, only eligible women can apply.
What is the rate of interest?
5% per annum.
Is it necessary to belong to a backward class?
Yes, only socially and educationally backward Rabari and Bharwad castes.
Where can I apply?
To apply visit the official DAADC online portal.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Residence/domicile certificate of Gujarat
- Caste certificate (Rabari or Bharwad)
- Income certificate
- Proof of age (Aadhaar card, Voter ID, birth certificate)