Mahila Samruddhi Yojana (DAADC)

Loan Amount: ₹50,000/- provided to eligible women for starting micro or small businesses.

Interest Rate: 6% per annum.

State Government Contribution: 95% of the loan amount, i.e., ₹47,500/-, is borne by the state.

Beneficiary Contribution: 5% of the loan amount, i.e., ₹2,500/-.

Possible Monthly Installment Amount: ₹1,445/- per month.

Duration: 36 Months (3 years)

The applicant should be a permanent resident of Gujarat.

The applicant should be a woman.

The applicant should belong to the Scheduled Caste (SC) category.

The applicant should belong to the Antyodaya Anna Yojana (AAY) family or be from the economically backward class.

The applicant’s annual family income should not exceed ₹3,00,000/-.

The applicant should be planning to start a self-employment venture or micro-enterprise.

Online

Step 1: Visit the official website of the Dr. Ambedkar Antyodaya Vikas Nigam (SC).

Step 2: On the top menu bar, click on "Apply Now".

Step 3: Click on the loan scheme name.

Step 4: Select the loan category and fill in the loan amount.

Step 5: Fill out the Application Form, enter the following details:

Personal Information: Name, gender, date of birth, caste, etc.

Address Information: Permanent and correspondence address

Income Details: Monthly family income and source

Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)

Bank Account Details: For loan disbursement

Step 6: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.

Step 7: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.

Step 8: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.

Aadhaar Card

Bank Passbook/Cancelled Cheque

Caste Certificate

Ration Card

Copy of Election Card

Widow Certificate

Age Proof

Birth Certificate

Income Certificate

School Leaving Certificate

Copy of Electricity Bill