Term Loan Scheme (GTKVN)

Loan Amount: Loans up to ₹10,00,000/- are provided for eligible small businesses.

Interest Rate: Interest on the loan will be charged at 6% up to ₹5,00,000/-.

Loan Coverage: Government share 95% of project cost, and beneficiary share 5% margin money

Loan Tenure: The loan amount will have to be repaid in 60 equal monthly installments including interest.

Guarantor: One guarantor required

The applicant should be a resident of Gujarat.

The applicant should belong to Thakor or Koli community.

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

The applicant’s age should be between 21 and 50 years.

The applicant must have experience/skilled in the proposed trade or business.

The applicant will have to provide suitable collateral to get the loan.

Note: At least 50% of the total loan amount will be allocated for families with annual income up to ₹1,50,000/-.

Online

Step 1: Visit the official website of the Gujarat Thakor and Koli Vikas Nigam.

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

Ration Card

Voter ID

Passport Size Photos

Business Address Proof

Birth Certificate

Caste Certificate

Bank Passbook

Income Certificate