Mukhyamantri Mahila Utkarsh Yojana 2026: ₹1 Lakh Interest-Free Loan for Gujarat Women

Gujarat government's Mukhyamantri Mahila Utkarsh Yojana (MMUY) is accepting applications in 2026 for interest-free loans of up to ₹1 lakh for women who join a Joint Liability Earning and Savings Group (JLESG). Registration is open on the official portal at mmuy.gujarat.gov.in, and eligible women can apply through their group with zero collateral, zero processing fee and no interest for the full loan term.

Each JLESG has 10 women members, and every member can get a loan of ₹1 lakh. So a single group of 10 women can together get financial support of up to ₹10 lakh under this scheme. Gujarat Women Economic Development Corporation (GWEDC) runs the scheme along with the Women and Child Development Department. For more state schemes, women can also check the Mari Yojana Gujarat portal.

Mukhyamantri Mahila Utkarsh Yojana 2026 Details

This scheme was launched in September 2020 to help women start small businesses like tailoring, beauty parlours, dairy work, kirana shops, handicrafts, food processing units and other micro-enterprises. In 2026, the whole process has become fully online through the MMUY portal, which makes group registration and loan application much easier for women in both rural and urban areas of Gujarat.

The state government bears the interest cost of the loan, so members do not pay any interest. Members who repay their instalments on time also get an extra 6% per year subsidy as an incentive for good repayment behaviour. The repayment period is 5 years, which gives enough time to run the business and repay in small parts.

Announced in the Gujarat Budget 2020-21, the scheme was launched on 17 September 2020 by the then Chief Minister Vijay Rupani. The current Chief Minister of Gujarat is Bhupendra Patel. The scheme continues to run under the Women and Child Development Department through GWEDC.

Detail	Information
Scheme Name	Mukhyamantri Mahila Utkarsh Yojana (MMUY)
Launched By	Gujarat Government
Launch Date	17 September 2020
Nodal Department	Women and Child Development Department (through GWEDC)
Eligible People	Women members of a JLESG (10-member group) in Gujarat
Loan Amount	Up to ₹1 lakh per woman (₹10 lakh per group of 10)
Interest Rate	0% (interest paid by state government)
Repayment Period	Up to 5 years
Application Mode	Online
Official Website	mmuy.gujarat.gov.in

Apply Online at Mukhyamantri Mahila Utkarsh Yojana Portal

Application for Mukhyamantri Mahila Utkarsh Yojana is done through the group, not as a single person. First, 10 women from the same area come together and form a Joint Liability Earning and Savings Group. After the group is formed, one member can fill the application online on the MMUY portal on behalf of the group. The direct link to access the Gujarat MMUY portal is https://mmuy.gujarat.gov.in/. The homepage of Mukhya Mantri Mahila Utkarsh Yojna will appear as shown below:-

Here are the steps to apply online under the scheme in 2026:-

STEP 1 - Go to the official website at mmuy.gujarat.gov.in and open the homepage of the MMUY portal on your mobile or computer.

STEP 2 - Click on the new registration or apply online option available on the homepage and choose whether your group belongs to a rural area or an urban area.

STEP 3 - Fill in the group details, including the name of the JLESG, area, taluka, district and details of all 10 women members like name, Aadhaar number, age, education and mobile number.

STEP 4 - Enter the business plan of each member and the total loan amount required by the group, along with the bank account details of the group or the individual members for loan payment.

STEP 5 - Upload scanned copies of the required documents like Aadhaar card, residence proof, education certificate and business plan for each member.

STEP 6 - Check all filled details once, submit the application form and save the acknowledgement or application number for future reference and status check.

After submitting the online form, the application is reviewed by the concerned bank and GWEDC office. Once approved, the loan amount is sent directly to the bank account of each member through DBT payment.

Offline Application at GWEDC Office

Women who are not comfortable with the online process can also visit their nearest Gujarat Women Economic Development Corporation (GWEDC) office or district-level office of the Women and Child Development Department. Officers at these offices help in forming the JLESG, filling the form and collecting the required documents. Rural women can also take help from local Anganwadi workers, ASHA workers or block-level Mahila Mandal offices.

Who Can Apply for Mukhyamantri Mahila Utkarsh Yojana

This scheme is only for women who are permanent residents of Gujarat and want to start or grow a small business. Before applying, check who can apply as per the scheme rules:-

• Residence - The applicant must be a permanent resident of Gujarat with proper address proof of the state.
• Age - The woman must be 18 years or above on the date of application.
• Education - Basic education up to at least 8th standard is required for applying under the scheme.
• Group Membership - The applicant must be part of a Joint Liability Earning and Savings Group (JLESG) of 10 women from the same area.

Government employees are not eligible under this scheme. Women who are already getting a similar interest-free loan from another government scheme for the same business also cannot apply again for the same purpose. There is no strict family income limit as per the current portal information, so women from all economic backgrounds who fit the other rules can apply.

Loan Benefits Under MMUY

The main aim of Mukhyamantri Mahila Utkarsh Yojana is to give women a chance to start their own income source without the pressure of interest and heavy paperwork. The benefits given under the scheme are:-

• Interest-Free Loan - Every eligible woman member gets a loan of up to ₹1 lakh with 0% interest for the full loan period.
• No Collateral - Women do not need to give any property, gold or third-party guarantee to get this loan.
• No Processing Fee - There is no application fee, form fee or processing charge at any step of the loan.
• 6% Subsidy - Members who repay all instalments on time get an extra 6% per year subsidy as a reward.
• 5-Year Repayment - The loan is repaid in easy instalments over 5 years, which reduces the monthly load.
• Skill Training - Free business training and skill support is given to help women run their business well.

Payment is done through DBT payment to the bank account of the member, so there is no middleman and no cash handling problem. This makes the process clear and safe for every woman in the group.

Documents Required for MMUY Application

Every member of the group needs a set of documents at the time of applying. Keep these ready in scanned format before starting the online application on the MMUY portal:-

Required documents include Aadhaar card of the applicant, residence proof of Gujarat like ration card, voter ID or electricity bill, age proof like birth certificate or school leaving certificate, education certificate showing pass of 8th standard or above, one passport-size photo, bank account passbook or cancelled cheque of the member, mobile number linked with Aadhaar, and a simple written business plan showing what the woman will do with the loan money. The group also needs to submit its JLESG formation document with the names and signatures of all 10 members.

Business Ideas Supported Under MMUY

Women can use the MMUY loan for a wide range of small businesses. Some common examples supported under the scheme are tailoring and stitching units, beauty parlours, dairy and cattle rearing, poultry farming, kirana or general stores, papad and pickle making, food processing, agarbatti making, handloom and handicraft units, mobile repair shops and small retail counters. Members can choose any legal business as per their skill and local demand.

Important Points to Remember

MMUY scheme is fully digital in 2026, so most work like registration, loan application, document upload and status check can be done from the mmuy.gujarat.gov.in portal. Members should not share their login details with anyone. If a group faces any problem in registration or loan payment, they can contact the GWEDC office or use the help contact given on the official portal.

FAQ's

Is Mukhyamantri Mahila Utkarsh Yojana still active in 2026?

Yes, the scheme is running in 2026 and applications are being accepted online through mmuy.gujarat.gov.in for women who form a JLESG of 10 members.

Can a single woman apply for MMUY without a group?

No, a single woman cannot apply directly. She must first join or form a Joint Liability Earning and Savings Group of 10 women from the same area to apply for the loan.

How much loan can one woman get under this scheme?

Each eligible woman member gets an interest-free loan of up to ₹1 lakh, so a full group of 10 women can together get up to ₹10 lakh.

Is there any income limit to apply for MMUY?

As per the current portal information, there is no strict family income limit. Women from all economic backgrounds who meet the age, education and group rules can apply.

Do members have to pay any interest on the loan?

No, the loan is fully interest-free for the members. The interest cost is paid by the Gujarat government directly to the bank.

What happens if a member repays the loan on time?

Members who pay all instalments on time get an extra 6% per year subsidy as a reward for good repayment behaviour.

What is the repayment period of the MMUY loan?

The loan is to be repaid in easy instalments within 5 years from the date of loan payment to the member's bank account.

For more details, visit the official Mukhyamantri Mahila Utkarsh Yojana Portal at https://mmuy.gujarat.gov.in/index.html