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Banking,Financial Services and Insurance; Business & Entrepreneurship

Small Business Scheme (Gujarat Gopalak Vikas Nigam)

The scheme aims to support small businesses. Through this scheme, individual loans at an annual interest rate are provided to members of the SEBC Rabari and Bharwad communities for establishing businesses, such as grocery shops, dairy parlours, and animal food sales centres.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- The maximum loan limit is ₹2,00,000/- per individual. | - The interest rate is 6% per annum. | - The loan amount disbursed is 95% of the total project cost. | - The beneficiary Contribution is 5% of the total project cost.

Who can apply

The applicant should belong to the Rabari and Bharwad castes from the Socially and Educationally Backward Classes (SEBC).; The applicant's age should be between 21 and 45 years.; The applicant's annual income should not exceed ₹3,00,000/-.

Required Paperwork

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

Common Questions

What is the scheme offered by the Gujarat Gopalak Vikas Nigam?

It is a scheme by the Gujarat Gopalak Vikas Nigam, Government of Gujarat, providing individual loans for small businesses like grocery shops, dairy parlors, and mobile-computer repair shops.

What kind of businesses can I start or expand with this loan?

You can use the loan for businesses such as grocery shops, dairy parlors, animal food sales centers, and mobile-computer repair shops, among others.

What is the interest rate for the loan?

The interest rate for the loan under this scheme is 6% per annum.

How much of the total business cost will the loan cover?

The loan amount covers 95% of the total project cost.

Do I need to contribute any amount from my side?

Yes, you need to contribute 5% of the total project cost as a beneficiary contribution.

What is the age limit to apply for this scheme?

Applicants must be between 21 and 45 years of age as of August 14, 2023.

Do I need any specific experience for my business?

Yes, a certificate of business experience for the specific business for which you are seeking the loan is required.

Where do I go to apply for this scheme online?

You need to visit the official website of the Gujarat Gopalak Development Corporation at https://ggdconline.gujarat.gov.in/.

How do I find the application form on the website?

After visiting the homepage, you need to scroll down, find the "Small Business Scheme," and then click on "Apply Now."

Can someone from a caste other than Rabari or Bharwad apply if they are also from SEBC?

No, the scheme explicitly states that the applicant must belong to the Rabari and Bharwad castes from the Socially and Educationally Backward Classes.

Where can I confirm the official details of this scheme before applying?

You should visit the official website of the Gujarat Gopalak Development Corporation or contact their office directly for the most accurate and up-to-date information.

Is there a maximum age limit for applying?

Yes, the applicant should not be more than 45 years old to apply.