Term Loan Scheme (GSKVN)
Self-employment loan ₹1–15 lakh · 6% p.a. · Gujarat safai kamdars & dependents
The Term Loan Scheme by Gujarat Safai Kamdar Vikas Nigam (GSKVN) provides business loans of ₹1–15 lakh to sanitation workers (safai kamdars) and their family members in Gujarat to start or grow income-generating businesses.
About This Scheme
The Term Loan Scheme by Gujarat Safai Kamdar Vikas Nigam (GSKVN) provides business loans of ₹1–15 lakh to sanitation workers (safai kamdars) and their family members in Gujarat to start or grow income-generating businesses.
Full official description
The "Term Loan Scheme" is implemented by the Gujarat Safai Kamdar Vikas Nigam (GSKVN) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to uplift safai kamdars (scavengers) and their dependents by providing financial assistance in the form of term loans to help them take up various trades or professions for self-employment. The scheme also aims to integrate them into the mainstream society by enabling them to move away from the traditional, inhuman, and hazardous occupation of manual scavenging and lead a life of dignity.
Under this scheme, beneficiaries are eligible to receive term loans ranging from ₹1,00,000 to ₹15,00,000 to start income-generating self-employment activities or projects. The scheme is implemented with the support of the National Safai Karamcharis Finance & Development Corporation (NSKFDC), New Delhi, in collaboration with the State Government, through the Gujarat Safai Kamdar Vikas Nigam.
Benefits
- Loan amount: ₹1,00,000 to ₹15,00,000
- Interest rate: 6% per annum
- Usable for any income-generating business — trade, manufacturing, services, food, transport, and more
💡 Why Startups Should Care
For safai kamdars looking to exit manual scavenging and start their own business, this scheme offers up to ₹15 lakh at a concessional 6% interest — the same rate as many priority-sector bank loans. The loan covers a wide range of trades, giving you flexibility to choose a business suited to your skills.
Who Can Apply (Eligibility)
Gujarat resident who is a safai kamdar (scavenger/sanitation worker) or an immediate dependent of one, willing to use the loan for a legitimate business or income-generating activity.
How to Apply
- Visit esamajkalyan.gujarat.gov.in and click "Please Register Here".
- Fill in your personal details as per Aadhaar, create a password, and submit.
- Verify your details and click "Confirm" — you'll receive a User ID and password via SMS/email.
- Log in with your User ID, password, and captcha.
- Complete your User Profile (first-time users only).
- On the homepage, click on this scheme and fill in the application form.
- Upload all required documents.
- Review all entries, agree to terms, and click "Save Application" — note your Application Number.
- Track status at esamajkalyan.gujarat.gov.in/ViewApplicationStatus.aspx using your Application Number and date of birth.
Frequently Asked Questions
Who can apply for the scheme?
Any sweeper, scavenger, or their dependent residing in Gujarat.
What is the loan amount offered?
The loan amount is ₹1,00,000 to ₹15,00,000.
What is the loan used for?
Self-employment activities/projects or small businesses.
Is there any income limit?
No, there is no income limit.
Are persons with disabilities eligible?
Yes, with a valid PH certificate and ID.
Is there any application fee?
No, the application is free.
Can I apply offline?
No, applications must be submitted online.
Is the scheme available across Gujarat?
Yes, it is available statewide.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Caste certificate
- Income certificate
- Age proof
- Identity card
- Ration card
- PH identity card (if applicable)
- Widow certificate (if applicable)
- PH certificate from Civil Surgeon (if applicable)