Small Business Scheme (Gujarat Gopalak Vikas Nigam)
₹2 lakh small business loan · 6% interest · Rabari & Bharwad SEBC community Gujarat
Small Business Scheme by Gujarat Gopalak Vikas Nigam (GGVN) provides loans up to ₹2 lakh at 6% interest to members of Rabari and Bharwad SEBC communities to start or grow a small business. Government funds 95% — you contribute just 5%.
About This Scheme
Small Business Scheme by Gujarat Gopalak Vikas Nigam (GGVN) provides loans up to ₹2 lakh at 6% interest to members of Rabari and Bharwad SEBC communities to start or grow a small business. Government funds 95% — you contribute just 5%.
Full official description
The scheme "Small Business Scheme" by the Social Justice & Empowerment Department, Government of Gujarat, aims to support small businesses. Through this scheme, individual loans at an annual interest rate are provided to individuals from the SEBC Rabari and Bharwad communities for establishing businesses such as grocery shops, dairy parlours, animal food sales centres, and mobile-computer repair shops. Gujarat Gopalak Vikas Nigam implements the scheme.
Benefits
- Loan amount: Up to ₹2,00,000
- Interest rate: 6% per annum
- Government covers: 95% of project cost
- Your contribution: 5% of project cost
- Purpose: Any small business or income-generating activity
💡 Why Startups Should Care
For Rabari and Bharwad community entrepreneurs, this scheme offers a straightforward ₹2 lakh at 6% — with the state covering 95% of the loan contribution so your personal stake is just ₹10,000. This is a practical starting loan for pastoral community members looking to transition into or expand small trade businesses.
Who Can Apply (Eligibility)
Rabari or Bharwad caste member (SEBC), aged 21–45, Gujarat resident. Annual family income within prescribed limits.
Exclusions
- Only for SEBC Rabari and Bharwad community members in Gujarat
How to Apply
- Visit ggdconline.gujarat.gov.in — official portal of Gujarat Gopalak Development Corporation.
- Scroll down and register as a new user with your personal details.
- Log in and select the Small Business Scheme.
- Fill in the application form with personal, business, and income details.
- Upload business experience certificate, Aadhaar, ration card, voter ID, income certificate, and caste certificate.
- Submit the application and note your Reference Number for tracking.
Frequently Asked Questions
What is the scheme offered by the Gujarat Gopalak Vikas Nigam?
It is a scheme by the Gujarat Gopalak Vikas Nigam, Government of Gujarat, providing individual loans for small businesses like grocery shops, dairy parlors, and mobile-computer repair shops.
What kind of businesses can I start or expand with this loan?
You can use the loan for businesses such as grocery shops, dairy parlors, animal food sales centers, and mobile-computer repair shops, among others.
What is the interest rate for the loan?
The interest rate for the loan under this scheme is 6% per annum.
How much of the total business cost will the loan cover?
The loan amount covers 95% of the total project cost.
Do I need to contribute any amount from my side?
Yes, you need to contribute 5% of the total project cost as a beneficiary contribution.
What is the age limit to apply for this scheme?
Applicants must be between 21 and 45 years of age as of August 14, 2023.
Do I need any specific experience for my business?
Yes, a certificate of business experience for the specific business for which you are seeking the loan is required.
Where do I go to apply for this scheme online?
You need to visit the official website of the Gujarat Gopalak Development Corporation at https://ggdconline.gujarat.gov.in/.
How do I find the application form on the website?
After visiting the homepage, you need to scroll down, find the "Small Business Scheme," and then click on "Apply Now."
Can someone from a caste other than Rabari or Bharwad apply if they are also from SEBC?
No, the scheme explicitly states that the applicant must belong to the Rabari and Bharwad castes from the Socially and Educationally Backward Classes.
Where can I confirm the official details of this scheme before applying?
You should visit the official website of the Gujarat Gopalak Development Corporation or contact their office directly for the most accurate and up-to-date information.
Is there a maximum age limit for applying?
Yes, the applicant should not be more than 45 years old to apply.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Ration card
- Voter ID
- Income certificate
- Caste certificate (confirming Rabari or Bharwad community)
- Business experience certificate
- Bank passbook
- Passport-size photos