About this banking scheme
The scheme aims to promote self-employment and financial independence among women from the Antyodaya Samaj, especially from Scheduled Castes. Under this scheme, loan up to Rs. 50,000/- is provided at a concessional interest rate to eligible women for starting small-scale businesses.
The "Mahila Samruddhi Yojana" is implemented by the Dr. Ambedkar Antyodaya Development Corporation (DAADC) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to promote self-employment and financial independence among women from the Antyodaya Samaj, especially from Scheduled Castes. Under this scheme, loans are provided at a concessional interest rate to eligible women for starting small-scale businesses.
Benefits at a glance
| Scheme name | Mahila Samruddhi Yojana (DAADC) (MSYDAADC) |
|---|---|
| Launched by | Social Justice and Empowerment Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Banking |
| Level / State | State · Gujarat |
| Official portal | daadconline.gujarat.gov.in (link at the end of this page) |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Online |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | No |
| Family income limit | Up to Rs. 3 lakh per year |
| Age | 18 to 80 years |
Who can apply (quick check)
- 👤Female
- 🎂Age 18 to 80 years
- 🏷️SC
- 💰Income Rs. 3 lakh tak
- 📝Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- Loan Amount: Rs. 50,000/- provided to eligible women for starting micro or small businesses.
- Interest Rate: 6% per annum.
- State Government Contribution: 95% of the loan amount, i.e., Rs. 47,500/-, is borne by the state.
- Beneficiary Contribution: 5% of the loan amount, i.e., Rs. 2,500/-.
- Possible Monthly Installment Amount: Rs. 1,445/- per month.
- Duration: 36 Months (3 years)
Who qualifies
- The applicant should be a permanent resident of Gujarat.
- The applicant should be a woman.
- The applicant should belong to the Scheduled Caste (SC) category.
- The applicant should belong to the Antyodaya Anna Yojana (AAY) family or be from the economically backward class.
- The applicant’s annual family income should not exceed Rs. 3,00,000/-.
- The applicant should be planning to start a self-employment venture or micro-enterprise.
Who is not eligible
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Registration walkthrough
Online
Step 1: Visit the official website of the Dr. Ambedkar Antyodaya Vikas Nigam (SC).
Step 2: On the top menu bar, click on "Apply Now".
Step 3: Click on the loan scheme name.
Step 4: Select the loan category and fill in the loan amount.
Step 5: Fill out the Application Form, enter the following details:
- Personal Information: Name, gender, date of birth, caste, etc.
- Address Information: Permanent and correspondence address
- Income Details: Monthly family income and source
- Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)
- Bank Account Details: For loan disbursement
Step 6: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
Step 7: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.
Step 8: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
Frequently asked questions
Who can apply for this scheme?
Scheduled Caste women from Antyodaya or economically backward families in Gujarat.
What is the loan amount under this scheme?
Rs. 50,000/- is provided as a loan.
What is the state government’s contribution?
Rs. 47,500 (95% of the loan) is contributed by the state government.
Can widows apply for this scheme?
Yes, widows are eligible.
What documents are needed?
Aadhaar, caste, income proof, bank details, and others.
How to apply for the scheme?
Apply online at https://daadconline.gujarat.gov.in.
Who implements the scheme?
Dr. Ambedkar Antyodaya Development Corporation.
Can the loan be used for any business?
Yes, for any approved small business or self-employment purpose.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines sje.gujarat.gov.in (PDF)
- Official Website sje.gujarat.gov.in
- Scheme Details mariyojana.gujarat.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
The details on this page are from the official listing and have not been rewritten or reviewed by our team yet. Confirm them on the official portal before applying.
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