The Government of Gujarat has launched the Mahila Samridhi Yojana 2025 to promote women empowerment and self-employment. This scheme is specially designed to help backward class, nomadic, and liberated caste women start their own small businesses by providing low-interest financial assistance.
The scheme is implemented by the Gujarat Backward Class Development Corporation (GBCD) under the Department of Social Justice and Empowerment, Government of Gujarat. Eligible women can apply online and avail business loans at a subsidized interest rate of just 4% per annum.
What is Mahila Samridhi Yojana 2025?
Mahila Samridhi Yojana 2025 is a women-centric loan scheme aimed at making women financially independent. Under this scheme, eligible women can receive loans to start or expand self-employment activities, small businesses, or skilled professions.
The primary focus of the scheme is on women belonging to nomadic and liberated castes living in Gujarat, ensuring inclusive development and economic stability.
Mahila Samridhi Yojana 2025 – Overview
| Scheme Name | Mahila Samridhi Yojana 2025 |
|---|---|
| Launched By | Government of Gujarat |
| Implementing Authority | Gujarat Backward Class Development Corporation |
| Department | Social Justice & Empowerment |
| Beneficiaries | Backward Class Women of Gujarat |
| Type of Assistance | Business Loan |
| Maximum Loan Amount | ₹1,25,000 |
| Interest Rate | 4% per annum |
| Repayment Period | 48 monthly installments |
| Application Mode | Online |
| Official Website | https://gbcdconline.gujarat.gov.in |
| Helpline Number | (079) 23257559 |
Objectives of Mahila Samridhi Yojana 2025
The main objectives of the scheme are:
- To promote self-employment among women
- To provide micro-credit support to economically weaker women
- To encourage women entrepreneurship
- To improve the financial condition of nomadic and liberated caste women
- To make women self-reliant and economically independent
Eligibility Criteria for Mahila Samridhi Yojana 2025
To apply for the scheme, applicants must meet the following eligibility conditions:
- Applicant must be a female resident of Gujarat
- Applicant must belong to Nomadic or Liberated Caste
- Age should be between 21 and 50 years
- Annual family income must not exceed ₹3 lakh
- At least 50% of the loan amount is reserved for families with income up to ₹1.50 lakh
- Applicant should have experience in skilled or technical business (if applicable)
- Applicant must provide adequate security for the loan
Key Features of Mahila Samridhi Yojana 2025
- Maximum loan amount: ₹1,25,000
- Low interest rate: Only 4% per annum
- 100% business cost covered through loan
- Loan contribution structure:
- 95% – National Corporation
- 5% – State Government
- 0% – Beneficiary contribution
- Repayment period: 48 equal monthly installments
- Applicable for self-employment and small business activities
Loan Usage Under Mahila Samridhi Yojana
The loan can be used for:
- Small retail shops
- Tailoring and stitching units
- Beauty parlours
- Handicrafts and cottage industries
- Skilled technical services
- Any lawful self-employment activity approved by the corporation
How to Apply Online for Mahila Samridhi Yojana 2025
Follow these simple steps to apply online:
- Visit the official website of Gujarat Backward Class Development Corporation
👉 https://gbcdconline.gujarat.gov.in - Select Mahila Samridhi Yojana
- Click on Apply Now
- Fill in personal, income, caste, and business details
- Submit the application form
- Note down the confirmation number
- Upload photograph and signature using the Upload Photo option
- Upload required documents
- Click on Confirm Application
- Take a printout of the final submitted application for reference
Documents Required for Mahila Samridhi Yojana 2025
Applicants must upload the following documents:
- Aadhaar Card
- Address Proof
- Identity Proof
- Caste Certificate (if applicable)
- Income Certificate issued by competent authority
- SHG Membership ID (if available)
- Bank Account Details
- Recent Passport Size Photograph
- Signature
Scheme Duration & Repayment Details
- Loan repayment must be completed in 48 equal monthly installments
- Interest is calculated at 4% annually
- Timely repayment helps maintain credit eligibility for future schemes
Why Mahila Samridhi Yojana is Important?
The Mahila Samridhi Yojana 2025 plays a vital role in:
- Reducing unemployment among women
- Encouraging small-scale entrepreneurship
- Providing affordable credit to underprivileged women
- Strengthening women-led businesses
- Supporting inclusive economic growth in Gujarat
FAQs for Mahila Samridhi Yojana 2025
1. What is Mahila Samridhi Yojana 2025?
Mahila Samridhi Yojana 2025 is a Gujarat Government scheme that provides low-interest business loans to backward class, nomadic, and liberated caste women to help them start their own self-employment or small business ventures.
2. Who can apply for Mahila Samridhi Yojana in Gujarat?
Only women residents of Gujarat belonging to nomadic or liberated castes are eligible. The applicant’s age must be between 21 and 50 years, and the family income should not exceed ₹3 lakh per year.
3. What is the maximum loan amount under Mahila Samridhi Yojana 2025?
Under this scheme, eligible women can avail a loan of up to ₹1,25,000 for starting or expanding a small business or self-employment activity.
4. What is the interest rate for Mahila Samridhi Yojana loan?
The loan is provided at a subsidized interest rate of only 4% per annum, making it one of the most affordable government loan schemes for women in Gujarat.
5. Is any personal contribution required from the beneficiary?
No. The beneficiary does not need to contribute any amount. The loan is funded through 95% National Corporation support and 5% State Government contribution.
6. What is the repayment period for the Mahila Samridhi Yojana loan?
The loan amount must be repaid in 48 equal monthly installments (EMIs), including interest, as per the repayment schedule issued by the corporation.
7. What types of businesses are allowed under Mahila Samridhi Yojana?
Women can use the loan to start small businesses, self-employment activities, technical or skilled professions, retail shops, tailoring units, beauty parlours, handicrafts, and other approved business activities.
8. How to apply online for Mahila Samridhi Yojana 2025?
Applicants must apply online through the official website of the Gujarat Backward Class Development Corporation at
👉 https://gbcdconline.gujarat.gov.in
by filling out the application form and uploading the required documents.
9. What documents are required for Mahila Samridhi Yojana application?
Required documents include Aadhaar Card, income certificate, caste certificate, address proof, bank account details, passport-size photograph, and signature. Additional documents may be required based on the business type.
10. Which department implements Mahila Samridhi Yojana 2025?
The scheme is implemented by the Gujarat Backward Class Development Corporation under the Department of Social Justice and Empowerment, Government of Gujarat.
Important Links
- Official Website: https://gbcdconline.gujarat.gov.in
- Helpline Number: (079) 23257559
Conclusion
The Mahila Samridhi Yojana 2025 is a powerful initiative by the Government of Gujarat to empower women from backward, nomadic, and liberated castes. With low-interest loans, easy online application, and zero beneficiary contribution, this scheme opens doors for women to achieve financial independence and self-reliance.
Eligible women should apply online as soon as possible and take advantage of this excellent opportunity to start or grow their own business.