DAADC Gujarat Passenger Auto Rickshaw Loan for SC ST

Overview

The Passenger Auto Rickshaw Loan Scheme is offered by the Dalit and Adivasi Development Corporation (DAADC) in Gujarat. It provides subsidized loans to individuals from Scheduled Caste and Scheduled Tribe communities to purchase passenger auto rickshaws for self-employment.

This scheme supports livelihood creation through a simple, practical income-generating asset.

Objective

The scheme aims to promote economic independence among SC and ST individuals by enabling them to own and operate auto rickshaws as a source of income. It reduces dependence on wage labor and supports entrepreneurial development at the grassroots level.

Benefits

• Subsidized loan for purchasing a new passenger auto rickshaw
• Low interest rates compared to commercial vehicle finance
• Subsidy component from the state government reducing the loan burden
• Flexible repayment schedule aligned with income from operations

Eligibility

• Resident of Gujarat belonging to a Scheduled Caste or Scheduled Tribe
• Age between 18 and 50 years
• Annual family income within the ceiling prescribed by DAADC
• Must hold a valid driving license (or willing to obtain one)
• Should not have previously availed similar benefits from DAADC or other corporations

Exclusions

• Applicants not belonging to SC or ST category
• Individuals with existing defaults on government or institutional loans
• Applicants who have already received a vehicle under a similar scheme
• Residents outside Gujarat are not eligible

Application Process

1. Visit the nearest DAADC district office in Gujarat
2. Collect and fill in the application form for the Auto Rickshaw Loan Scheme
3. Attach all required documents
4. Submit the application for scrutiny and verification
5. Field verification is conducted by the corporation representative
6. Loan is sanctioned and disbursed to the vehicle dealer or applicant

Documents Required

• Caste certificate (SC/ST) from a competent authority
• Income certificate
• Proof of residence
• Driving license or enrollment proof for driving training
• Bank account details and passbook copy
• Passport-size photographs
• Aadhaar card