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Banking,Financial Services and Insurance; Business & Entrepreneurship; Women and Child

Mahila Samruddhi Yojana (DAADC)

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 ₹50,000/- is provided at a concessional interest rate to eligible women for starting small-scale businesses.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- Loan Amount: ₹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., ₹47,500/-, is borne by the state.- Beneficiary Contribution: 5% of the loan amount, i.e., ₹2,500/-.- Possible Monthly Installment Amount: ₹1,445/- per month.- Duration: 36 Months (3 years)

Who can apply

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 ₹3,00,000/-.; The applicant should be planning to start a self-employment venture or micro-enterprise.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common 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?

₹50,000/- is provided as a loan.

What is the state government’s contribution?

₹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.