Self-Employment Scheme: Nana Vyavasay Mate Loan Yojana
Business loan up to ₹10 lakh · 5% interest (4% for women) · Gujarat unreserved category
Nana Vyavasay Mate Loan Yojana is a Gujarat government scheme that gives loans up to ₹10 lakh to general-category (unreserved) residents to start a small business. No interest subsidy — it's a direct loan at standard rates, but with easy access through the government corporation.
About This Scheme
Nana Vyavasay Mate Loan Yojana is a Gujarat government scheme that gives loans up to ₹10 lakh to general-category (unreserved) residents to start a small business. No interest subsidy — it's a direct loan at standard rates, but with easy access through the government corporation.
Full official description
"Nana Vyavasay Mate Loan Yojana" is a component under the "Self-Employment Scheme" introduced by the Social Justice and Empowerment Department, Gujarat. Under this scheme, for any self-employment business like a business or grocery shop, medical store, readymade garment store, bookstore, etc., a loan of up to ₹10,00,000/- or the actual expenditure incurred, whichever is less, will be provided by the Corporation. The scheme is being implemented by the Gujarat Unreserved Education and Economical Development Corporation. The scheme is being implemented by the Gujarat Unreserved Education and Economical Development Corporation.
Benefits
- Loan amount: Up to ₹10,00,000 (or actual project cost, whichever is lower)
- Purpose: Starting or expanding a small business or trade activity
- Access: Through the government's self-employment scheme infrastructure
💡 Why Startups Should Care
For unreserved-category entrepreneurs in Gujarat, this scheme delivers up to ₹10 lakh at just 5% — or 4% if you're a woman — to start a small business. That interest saving versus a commercial loan (typically 12–14%) translates to ₹70,000+ saved over 5 years on a ₹10 lakh loan.
Who Can Apply (Eligibility)
Gujarat resident, unreserved (general) category, aged 18–50, with annual family income below ₹8 lakh. Applicant must not already be a government employee or loan defaulter.
Exclusions
- Only 1 person per family can avail the benefit
- Maximum 5 beneficiaries per village are selected
- Annual family income must not exceed ₹6,00,000
- Business must be started within 3 months of receiving the loan
How to Apply
- Visit esamajkalyan.gujarat.gov.in and navigate to "Gujarat Unreserved Education and Economical Development Corporation" under the Corporation menu.
- Click "Nana Vyavasay Mate Loan Yojana" under "Self-Employment Scheme", then click "Apply Now".
- Click "New User? Please Register Here" and fill in your details, then click Register.
- Log in with your User ID, password, and captcha.
- Confirm your permanent address or enter the correct one, then click "Save & Next".
- Upload all relevant documents.
- Review your details and click "Yes, Submit" if everything is correct.
- Note your Application Number for future reference.
- After submitting online, print the application, sign it, and submit it along with original documents to the Deputy Director (Non-Reserved Category) or District Social Welfare Officer.
- Check application status at esamajkalyan.gujarat.gov.in/ViewApplicationStatus.aspx.
Frequently Asked Questions
What is the "Nana Vyavasay Mate Loan Yojana"?
The "Nana Vyavasay Mate Loan Yojana" provides financial assistance of up to [?]10,00,000/- to individuals for starting or expanding self-employment businesses, such as grocery shops, medical stores, bookstores, and garment shops.
Who can apply for the Nana Vyavasay Mate Loan Yojana?
Any individual who is a resident of the state, is unemployed or seeking self-employment, and has a viable business plan can apply for the scheme.
How are beneficiaries selected under this scheme?
Beneficiaries are selected through a draw system, which ensures a fair and transparent selection process.
Can multiple members from the same family apply for this loan?
No, only one person per family is eligible to apply for and receive the loan under this scheme.
What types of businesses are supported under this scheme?
The scheme provides financial aid for self-employment businesses such as grocery shops, medical stores, bookstores, readymade garment stores, and similar small businesses.
What is the maximum loan amount an individual can receive?
An individual can receive up to[?]10,00,000/-, or the actual business expenditure incurred, whichever is lower.
Is there any preference given to women applicants?
Yes, at least 10% of the selected applicants will be women, giving them priority under this scheme.
What happens if an applicant fails to submit the required documents within the given timeline?
If an applicant does not submit the required documents within the specified time, their application may be rejected.
How will an applicant be informed about the selection result?
Applicants will receive a notification via Email/SMS if they are selected under the scheme.
What should an applicant do if their application is rejected?
If an application is rejected, the applicant can check the reason for rejection and reapply in the next cycle if they meet the eligibility criteria.
What steps should an applicant take after receiving in-principle approval?
After receiving in-principle approval, the applicant must upload the required documents online within 7 days and submit physical copies to the District Manager's Office within 30 days.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Application form in prescribed format
- Aadhaar card copy
- Income certificate
- Proof of residence
- Proof of age / educational qualification
- School leaving certificate (LC)
- Business proposal
- Bank statement
- Bank passbook copy
- Non-deposit certificate
- Driving licence (if applicable)