Mahila Samruddhi Yojana DAADC Gujarat Loan for SC ST Women
Overview
Mahila Samruddhi Yojana is a women-focused loan scheme by DAADC (Dalit and Adivasi Development Corporation) in Gujarat. It provides financial assistance to women from Scheduled Caste and Scheduled Tribe communities for income-generating activities and small businesses.
The scheme is designed to promote women’s economic empowerment and social independence.
Objective
The scheme aims to uplift SC and ST women in Gujarat by giving them access to affordable credit. It empowers women to become economically independent through self-employment, reducing dependency and improving household well-being.
Benefits
- Loan for self-employment or income-generating business activity
- Concessional interest rates
- Subsidy element to reduce the repayable amount
- Moratorium on repayment during the business setup phase
Eligibility
- Female resident of Gujarat from SC or ST community
- Age between 18 and 50 years
- Annual family income within the DAADC-prescribed ceiling
- Proposed activity must be from the approved list of businesses
- No prior default on government or institutional loans
Exclusions
- Male applicants are not eligible
- Women from non-SC/ST categories
- Family income above the defined ceiling
- Applicants with pending loan defaults
- Business activities outside the DAADC-approved list
Application Process
- Visit the nearest DAADC district office
- Request and fill the Mahila Samruddhi Yojana application form
- Include details of the business or activity planned
- Attach all required documents
- Application is verified by a DAADC field officer
- Loan is sanctioned and disbursed to the applicant’s bank account
Documents Required
- SC or ST caste certificate
- Income certificate from a revenue authority
- Proof of Gujarat residence
- Aadhaar card
- Bank passbook copy
- Business description or activity plan
- Passport-size photographs
