GTKVN Gujarat Microfinance Scheme for Women Self Help Groups
Overview
The Micro Finance Scheme for Self Help Groups (SHGs) is offered by the Gujarat Tribal Development Corporation (GTKVN). It provides small, collateral-free loans to women’s SHGs in tribal and rural areas of Gujarat for income-generating activities.
The scheme channels institutional credit to groups that are otherwise excluded from formal banking, empowering women at the grassroots level.
Objective
The scheme aims to strengthen women’s economic participation in tribal and rural Gujarat. By supporting SHGs with micro-finance, it enables collective entrepreneurship and builds savings habits that lead to long-term financial security.
Benefits
- Microloans for income-generating activities through SHGs
- No collateral requirement for eligible groups
- Affordable interest rates with flexible group repayment schedules
- Capacity building and financial literacy support alongside credit
Eligibility
- Women’s SHGs registered with GTKVN or a recognized state authority
- Group members must be residents of Gujarat from tribal or backward areas
- The SHG must have been active and maintaining savings for a minimum specified period
- Group should have a good internal savings and repayment record
- Each member’s income must be within the prescribed limit
Exclusions
- Individual applicants not part of an SHG
- SHGs with poor repayment history or inactive savings records
- Groups not registered with the relevant state authority
- SHGs operating outside Gujarat
Application Process
- SHG submits a collective application to GTKVN through the district office
- The group’s savings record and meeting registers are reviewed
- Application is verified by the GTKVN field officer
- Loan amount is sanctioned based on group size and activity plan
- Disbursement is made to the group’s bank account
- Repayment is monitored through regular field visits
Documents Required
- SHG registration certificate
- Group savings passbook and meeting minutes
- List of members with Aadhaar details
- Tribal or community certificate for members
- Bank account details of the SHG
- Activity or business plan for the loan purpose
- Photographs of group members
