AI SummaryTerm Loan Scheme (GSKVN) helps sanitation workers and their dependents across Gujarat start their own businesses with loans ranging from ₹1,00,000 to ₹15,00,000. Gujarat Safai Kamdar Vikas Nigam (GSKVN) keeps this scheme open for applications through the online loan application system, and the updated scheme rules were released in May 2026.
The scheme is run by Gujarat Safai Kamdar Vikas Nigam (GSKVN) under the Social Justice and Empowerment Department, Government of Gujarat, in partnership with the National Safai Karamcharis Finance and Development Corporation (NSKFDC), New Delhi. The loan helps safai kamdars move away from hazardous manual scavenging work and build a stable, dignified income through self-employment.
Term Loan Scheme (GSKVN) - Introduction
Term Loan Scheme (GSKVN) gives a term loan to safai kamdars, scavengers and their legal dependents so they can set up income-generating projects. The loan amount starts at ₹1,00,000 and can go up to ₹15,00,000, with a competitive annual interest rate of 6%.
The scheme gives priority to sanitation workers living below the poverty line, women, persons with disabilities, educated unemployed people and part-time safai kamdars when all other conditions are the same. There is no fixed income limit to apply, which keeps the scheme open to a wide range of eligible people across Gujarat.
Key Information
| Scheme Name | Term Loan Scheme (GSKVN) |
|---|---|
| Level | State |
| Scheme For | Individual |
| Beneficiary States | Gujarat |
| Category | Banking, Financial Services and Insurance, Business and Entrepreneurship, Skills and Employment |
| Target Beneficiaries | Individuals |
| Sub Category | Loan, Setting up or Start-up or Entrepreneurship |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Social Justice and Empowerment Department |
| Implementing Agency | Gujarat Safai Kamdar Vikas Nigam |
| Tags | Loan, Self-employment, Safai Kamdar, Scavenger |
Benefits
This scheme offers strong financial backing to help eligible people succeed in their chosen profession. The main benefits are:
- Loan support from ₹1,00,000 to ₹15,00,000 to start or expand a business.
- A low annual interest rate of 6% keeps the repayment affordable for sanitation workers.
- Support to move away from manual scavenging and into safe, dignified self-employment.
Eligibility
To qualify for this support, the applicant should meet the following criteria:
1. The applicant should be a permanent resident of Gujarat.
2. The applicant should be a scavenger, sanitation worker, or a legal dependent of someone in this profession.
3. The applicant should plan to invest the approved loan amount in a genuine income-generating project or self-employment venture.
Application Process
Applications are accepted fully online through the official GSKVN loan application system and the e-Samaj Kalyan portal. Follow the steps below to apply.
STEP 1 - Visit the official online loan application system at GSKVN Online Loan Application System or the e-Samaj Kalyan portal at esamajkalyan.gujarat.gov.in.
STEP 2 - Choose the registration option on the homepage and enter your details exactly as they appear on your Aadhaar card.
STEP 3 - Set a secure password and submit your details to complete registration. Your User ID and password will be sent by SMS or email.
STEP 4 - Log in with your credentials and complete your user profile on the first login.
STEP 5 - Select Term Loan Scheme (GSKVN) from the list of available schemes, fill in the application form carefully and upload all required documents.
STEP 6 - Review your information, agree to the terms and save your application. Keep the Application Number safe for tracking.
STEP 7 - Track your application using the View Application Status page by entering your Application Number and Date of Birth.
Documents
Keep the following required documents ready when applying:
- Aadhaar Card
- Caste Certificate
- Income Certificate
- PH Identity Card (where applicable)
- Widow Certificate (where applicable)
- Proof of Age
- Identity Card
- Civil Surgeon Certificate for disability (where applicable)
- Ration Card
References
Refer to these official links for more details:
- Official Scheme Guidelines (May 2026)
- GSKVN Online Loan Application System
- Detailed Scheme Information
- Official GSKVN Website
FAQ's
Who is eligible to apply for this scheme?
Any sanitation worker, scavenger, or their legal dependent living in Gujarat can apply.
What is the amount of financial support provided?
Eligible people can receive a loan between ₹1,00,000 and ₹15,00,000 at 6% annual interest.
What is the purpose of this loan?
The loan is for starting or expanding self-employment activities and income-generating projects.
Is there an income limit for applicants?
No, there is no fixed income limit defined for this scheme.
Can persons with disabilities apply?
Yes, if you hold a valid physical handicap (PH) certificate you are eligible to apply, and such applicants get priority.
What is the application fee?
The application process is completely free of charge.
Is it possible to submit the application offline?
No, applications are submitted fully online through the official GSKVN loan application system or the state e-Samaj Kalyan portal.
Is this scheme available across the entire state of Gujarat?
Yes, the scheme is open to eligible individuals throughout Gujarat.