About this banking scheme
This scheme aims to instill a sense of self-reliance in the youth belonging to backward classes after receiving vocational education/training. Under this scheme, eligible youth are provided loans at a low-interest rate to start self-employment ventures.
The scheme "Swayam Saksham Yojana" is implemented by the Gujarat Backward Classes Development Corporation (GBCDC) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to inculcate the spirit of self-reliance among socially and educationally backward class youth who have received vocational or professional training. Under this scheme, low-interest loans are provided to educated unemployed youth for setting up self-employment ventures like clinics, law offices, engineering units, and more. The initiative focuses on empowering beneficiaries to start independent businesses with financial assistance, promoting economic inclusion and entrepreneurship.
Benefits at a glance
| Scheme name | Swayam Saksham Yojana (GBCDC) (SSYGBCDC) |
|---|---|
| Launched by | Social Justice and Empowerment Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Banking |
| Level / State | State · Gujarat |
| Official portal | gbcdconline.gujarat.gov.in (link at the end of this page) |
Key facts
| Implementing agency | Gujarat Backward Classes Development Corporation (GBCDC) |
|---|---|
| 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 |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 35 years
- 🏷️OBC
- 🏘️Rural
- 💰Income Rs. 3 lakh tak
- 📝Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
Loan Amount:
- Up to Rs. 5,00,000/- per applicant.
Interest Rate:
- 6% per annum.
Loan Share: Under the scheme, the loan will be distributed in a unit cost ratio where-
- 85% will be covered by a national corporation
- 10% by State Government
- 5% contribution by the beneficiary
Repayment Terms:
- This loan will have to be repaid in 60 equal monthly installments including interest.
Who qualifies
- The applicant should be a resident of Gujarat.
- The applicant should belong to the Socially and Educationally Backward Classes (SEBC).
- The applicant should be between 18 and 35 years of age on the date of application.
- The applicant should be unemployed but professionally educated (e.g., doctor, engineer, lawyer, CA, etc.).
- The total annual family income of the applicant should not exceed Rs. 3,00,000/-.
- The applicant should have completed a professional course (degree or diploma).
- The applicant should intend to start a professional business such as clinics, nursing homes, physiotherapy clinics, biomedical labs, legal offices, medical stores, architect offices, engineering units, C.A. offices, etc.
Who is not eligible
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Registration walkthrough
Online
Step 1: Visit the official website of the Gujarat Backwards Caste Development Corporation.
Step 2: On the top menu bar, click on "Apply Online".
Step 3: If you’re a new user, click on "New Registration" Enter personal details (name, mobile number, email, aadhaar number, etc.), create a password, and complete OTP verification.
Step 4: Use your registered credentials (User ID and password) to log in.
Step 5: Click on “New Application”. Select “Swayam Saksham Yojana” from the list of available schemes.
Step 6: 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 7: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
Step 8: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.
Step 9: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
Frequently asked questions
Who can apply for the scheme?
Youth from Socially and Educationally Backward Classes (SEBC) with professional education and annual family income under Rs. 3,00,000.
What is the age limit for applicants?
18 to 35 years on the date of application.
What professions are eligible for the scheme?
Doctors, engineers, lawyers, architects, physiotherapists, CAs, etc.
What kind of business can be started using this loan?
Clinics, labs, medicine shops, architect/law/CA offices, and similar professional units.
Can existing businesses apply for loan expansion?
No. The scheme is intended for first-time business setups.
Can an applicant from another state apply?
No. The scheme is applicable within Gujarat only.
Where can I apply for the scheme?
The applicant visits the Gujarat Backward Caste Development Corporation portal.
What documents are needed to apply?
Aadhaar Card, Caste Certificate, Income Certificate, Educational Certificates, etc.
Is there any subsidy or contribution from the government?
Yes. 85% loan from National Corporation, 10% by State Government, and 5% by the applicant.
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
- Scheme Details mariyojana.gujarat.gov.in
- Application Portal www.digitalgujarat.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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