Swayam Saksham Yojana (GTKVN)
₹5 lakh professional startup loan · 5% interest · Thakor & Koli educated youth
Swayam Saksham Yojana by Gujarat Thakor and Koli Vikas Nigam (GTKVN) provides loans up to ₹5 lakh at 5% interest to educated unemployed youth from Thakor and Koli communities aged 18–35, to start their own business.
About This Scheme
Swayam Saksham Yojana by Gujarat Thakor and Koli Vikas Nigam (GTKVN) provides loans up to ₹5 lakh at 5% interest to educated unemployed youth from Thakor and Koli communities aged 18–35, to start their own business.
Full official description
The "Swayam Saksham Yojana" is implemented by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to promote economic self-reliance among professionally educated unemployed youth (both men and women) from the Thakor and Koli communities, aged between 18 and 35 years, who hold degrees in fields such as Pharmacy, Architecture, Software/Hardware, Automobile Engineering, Law, Chartered Accountancy, and others.
Under this scheme, financial assistance in the form of low-interest loans is provided to eligible beneficiaries who have completed higher professional education and wish to become self-reliant by starting their own business in their respective fields. It specifically supports individuals trained in professional fields like medicine, law, engineering, accounting, hotel management, and even wrestling or sculpture, to use their skills for gainful self-employment.
Benefits
- Loan amount: Up to ₹5,00,000
- Interest rate: 5% per annum
- Government covers 95% of project cost; you contribute just 5%
- Repayment: Equal monthly instalments over 4–5 years
💡 Why Startups Should Care
If you hold a professional degree (pharmacy, engineering, architecture, nursing) and belong to the Thakor or Koli community, this scheme funds your practice or consultancy with ₹5 lakh at just 5% — repayable over 5 years. That's cheaper capital than most bank loans for professional startups.
Who Can Apply (Eligibility)
Gujarat resident, Thakor or Koli community, aged 18–35, completed professional/vocational education, unemployed, with annual family income below ₹3 lakh.
Exclusions
- Available only to Thakor and Koli community members
- Annual family income must not exceed ₹3,00,000
- Applicant age must be 18–35 years
- Must hold a professional degree in fields like pharmacy, engineering, architecture, nursing, or similar
How to Apply
- Visit gtkdconline.gujarat.gov.in and click "Apply Now" in the top menu.
- Click on the "Swayam Saksham Yojana" loan scheme.
- Select the loan category and fill in the loan amount.
- Fill in personal information, address, income details, loan requirement, and bank account details.
- Upload Aadhaar, bank passbook, business address proof, professional course certificate, income certificate, passport-size photo, and quotations.
- Click "Preview" to verify all details, then click "Submit".
- Save your Application ID/Reference Number for tracking.
Frequently Asked Questions
Who is eligible for this scheme?
Youth from the Thakor or Koli castes aged 18 to 35 with professional education.
What type of businesses are supported?
Clinics, labs, law/CA offices, architecture firms, chemist shops, hotel businesses, etc.
Do I need to provide collateral?
The applicant must provide a guarantor or surety as per GTKVN rules.
What is the repayment period?
60 months (5 years), in equal monthly installments.
Is the scheme limited to Gujarat?
Yes, it is applicable only in Gujarat.
Is there an application process offline?
No, applications must be submitted online at gtkdconline.gujarat.gov.in
Where can I track my application?
On the same portal: https://gtkdconline.gujarat.gov.in
Is any margin money required?
Yes, 5% of the project cost must be contributed by the applicant.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Bank passbook or cancelled cheque
- Business address proof
- Certificate of professional course (pharmacy, engineering, etc.)
- Income certificate
- Passport-size photos
- Quotations for equipment or setup
- Election card copy