Mahila Samruddhi Yojana (DAADC)
The scheme aims to promote self-employment and financial independence among women from the Antyodaya Samaj, especially from Scheduled Castes. Under this scheme, loan up to ₹50,000/- is provided at a concessional interest rate to eligible women for starting small-scale businesses.
About This Scheme
The “Mahila Samruddhi Yojana” is implemented by the Dr. Ambedkar Antyodaya Development Corporation (DAADC) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to promote self-employment and financial independence among women from the Antyodaya Samaj, especially from Scheduled Castes. Under this scheme, loans are provided at a concessional interest rate to eligible women for starting small-scale businesses.
Benefits
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)
Eligibility Criteria
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.
Application Process
Apply 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.
Official Source: View on myScheme.gov.in
Benefits
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)
Application Process
Apply 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.
References & Official Links
Scheme Details
| Full Name | Mahila Samruddhi Yojana (DAADC) |
| Short Title | MSYDAADC |
| Level | State |
| Scheme For | Individual |
| Categories | Banking,Financial Services and Insurance, Business & Entrepreneurship, Women and Child |
| States | Gujarat |
| Gender | Female |
| Caste/Category | SC, OBC, EWS |
| Area | Both |
| Income Limit | ₹300,000/year |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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