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Business & Entrepreneurship; Social welfare & Empowerment; Women and Child

NEW SWARNIMA (Gopalak Nigam)

Self-employment loan scheme for Rabari and Bharwad women in Gujarat, offering up to ₹2 lakh at 5% annual interest to promote economic independence.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- 100% loan assistance provided to eligible women- Loan amount up to ₹2.00 lakh- Interest rate fixed at 5% per annum- Loan can be used to start a business of the beneficiary’s choice- Meant for economically backward women of specific castes- Encourages entrepreneurship and self-reliance

Who can apply

Be a permanent **resident of Gujarat**1. Be a **woman**1. Belong to the **Rabari or Bharwad caste**1. Belong to a **socially and educationally backward class** as recognized by the Government of Gujarat1. Be between **21 to 45 years** of age1. Have a **total annual family** income not exceeding **₹3.00 lakh**1. Intend to start your **own business or self-employment** venture using the loan

Required Paperwork

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

Common Questions

What is the New Swarnima Scheme?

A loan scheme for Rabari and Bharwad women to start self-employment ventures.

Who is eligible to apply?

Women from Rabari or Bharwad castes, aged 21–45, with income under ₹3 lakh/year.

What is the maximum loan amount?

₹2.00 lakh.

Is there any subsidy or grant in the scheme?

No subsidy, but interest is subsidized at 5% per annum.

Is collateral required?

No collateral is mentioned in the scheme guidelines.

Can I use the loan for any type of business?

Yes, any legal small business or trade.

Can a man apply under this scheme?

No, only eligible women can apply.

What is the rate of interest?

5% per annum.

Is it necessary to belong to a backward class?

Yes, only socially and educationally backward Rabari and Bharwad castes.

Where can I apply?

To apply visit the official DAADC online portal.