Personal Loan Scheme: Get Up to ₹15,00,000 Loan at Only 6% Interest | Apply Online
Financial support is one of the biggest requirements for starting a small business, expanding an existing work setup, or becoming self-dependent. To support sanitation workers and their dependents, the Government of Gujarat has launched a very useful welfare scheme called Personal Loan Scheme – GSKVN (SCW36).
Under this scheme, eligible beneficiaries can get business loans up to ₹15,00,000 at only 6% interest rate, which is much lower than private banks and NBFC loans.
This scheme is managed under the Social Justice and Empowerment Department, Gujarat, and is available for beneficiaries across Gujarat.
Personal Loan Scheme
- Scheme Name: Personal Loan Scheme – GSKVN (SCW36) (8732)
- Beneficiary Group: Sanitation workers and their dependents
- Department: Social Justice and Empowerment Department (SJE), Gujarat
- Sector: Social Welfare
- Scheme Ownership: Central + State Government
- Scheme Type: General Scheme
- Coverage Area: Entire Gujarat
Major Benefit of This Scheme
Loan Benefit (Up to ₹15 Lakh)
- The biggest attraction of this scheme is that it provides a loan up to ₹15,00,000 for various business and self-employment activities.
Low Interest Rate – Only 6%
- Normally business loans come with high interest rates (12% to 30%) from banks/finance companies. But this scheme offers loans at an affordable rate of only 6%, making it a highly beneficial option.
Purpose of the Personal Loan Scheme
The main objective is:
- To help sanitation workers become financially empowered
- To support families of sanitation workers through business/self-employment
- To provide easy access to credit at low interest
- To promote entrepreneurship and income generation
Who Can Apply? (Eligibility Criteria)
This scheme is applicable to:
Applicable For
- Sanitation workers (Safai Kamdar)
- Dependents of sanitation workers
Category
- All categories (as per scheme info)
Caste Eligibility
- Any caste can apply (no restriction)
Income Limit
As per details:
- Individual income limit: 0
- Family income limit: 0
(Meaning: no income ceiling mentioned in scheme table)
Loan Type / Assistance Type
Type of Benefit: Loan Assistance
- This is a financial loan-based scheme, not direct cash subsidy.
Required Documents (Important Checklist)
To apply successfully, you must upload/submit these documents:
- Aadhaar Card
- Income Certificate
- Age Proof
- Identity Proof
- Caste Certificate
- Disability ID Card (if applicable)
- Civil Surgeon Disability Certificate (if applicable)
- Ration Card
- Widow Certificate (if applicable)
Application Process (Online)
Application Form Type
- Online Application
Application Fee
- ₹0 (Free)
Where to Apply
- You can apply online through Gujarat e-Samaj Kalyan portal.
Important Links
Scheme Details Page:
https://esamajkalyan.gujarat.gov.in/index.aspx?ServiceID=jfbtupS/CjmLfMfDmiG4Zw==
Department Website:
https://sje.gujarat.gov.in/
Apply Online URL:
https://esamajkalyan.gujarat.gov.in/index.aspx?HodID=e9WPBCeZRfxthgNWrYxGJA==
Form Download (Gujarati / English)
The form is available in both languages:
The Personal Loan Scheme – GSKVN (SCW36) is a powerful opportunity for sanitation workers and their dependents to improve their financial future. With a maximum loan of ₹15,00,000 and only 6% interest rate, this scheme can help beneficiaries start a business, become self-reliant, and support their family income.
Reference / Official Portal
- For latest updates, online details, and official guidelines, refer to:
- Mari Yojana Portal (Official Government Scheme Portal)
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