New Swarnima Yojana for Women (GTKVN) offers financial support of up to ₹2,00,000 (₹2 lakh) to women from the Thakor and Koli communities in Gujarat who want to start their own business or trade. The scheme is implemented by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Social Justice and Empowerment Department and is meant for women living below the poverty line.
As of August 2026, online applications for the scheme are accepted through the official GTKVN portal at gtkdconline.gujarat.gov.in. Eligible women can get 100% of the approved project cost as a loan at a low interest rate and repay it in 60 monthly installments, which keeps the repayment easy to manage.
Women looking for similar loan support can also check the New Swarnima Scheme (GBCDC) and the New Swarnim Yojana for Women (GNTDNT), which have separate guides on SarkariYojana.
New Swarnima Yojana for Women - Introduction
New Swarnima Yojana for Women (GTKVN) acts as a support system for the economic growth of women from the Thakor and Koli communities. Implemented by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Social Justice and Empowerment Department, the scheme gives women who live below the poverty line a clear way to set up their own trade or business. With financial support of up to ₹2,00,000, the government helps eligible women turn their business plans into reality.
The loan covers the full project cost, so a woman does not have to arrange money from her own pocket. The repayment period is 60 months, and the interest rate is around 5% per annum as per the rate fixed by the state government from time to time. According to the official scheme page of the Social Justice and Empowerment Department, the maximum loan limit under this scheme is ₹2,00,000.
Key Information
| Key | Details |
|---|---|
| Scheme Name | New Swarnima Yojana for Women (GTKVN) |
| Level | State |
| Beneficiary | Individual |
| State | Gujarat |
| Loan Amount | Up to ₹2,00,000 |
| Interest Rate | 5% per annum |
| Repayment | 60 monthly installments |
Benefits
The scheme gives full financial support to women who want to start or expand their own business:
| Benefit | Value |
|---|---|
| Loan Amount | Up to ₹2,00,000 |
| Interest Rate | 5% per annum |
| Loan Coverage | 100% of the project cost |
| Repayment Period | 60 months |
For example, if Sunita from a local village applies for this loan to start a small tailoring shop, she can receive the full project cost and repay it in 60 easy monthly installments, making it very manageable.
Eligibility
To be eligible for New Swarnima Yojana for Women (GTKVN), a woman should meet the following criteria:
- A woman and a permanent resident of Gujarat.
- Belongs to the Thakor or Koli community.
- Between 21 and 50 years of age on the date of application.
- Total annual family income should not exceed ₹3,00,000.
- Relevant experience in the business or trade she wishes to start.
- Able to provide suitable collateral for the loan.
Important note: At least 50% of the total loan funds are reserved for families with an annual income of ₹1,50,000 or less.
Application Process
Women can apply for the scheme online through the official GTKVN portal. The steps are simple and can be completed from home:
STEP 1 - Go to the official online portal of the Gujarat Thakor and Koli Vikas Nigam at gtkdconline.gujarat.gov.in. This is the government portal used for all direct loan schemes of the Nigam.
STEP 2 - Click on the 'Apply Now' option available on the menu bar of the homepage.
STEP 3 - Select New Swarnima Yojana for Women (GTKVN) and choose the loan category under which you want to apply.
STEP 4 - Enter the required loan amount and fill in your personal, address, income and bank account details correctly. Use your own mobile number, because all updates about the application are sent on that number.
STEP 5 - Upload the required documents, including your caste certificate, income certificate, Aadhaar card, passport size photo, bank passbook first page and residence proof.
STEP 6 - Check all the details using the preview option and then click on 'Confirm Application'. The application will be considered only after it is confirmed.
STEP 7 - Save the Application ID or Reference Number. This number also works as the confirmation number and is needed to track the status of your application.
Note: Only one person from a family can apply under the direct loan scheme, and only under one scheme at a time. Women who have already taken a loan from the Nigam or who still have pending loan repayment cannot apply again. Those who applied in a previous year but did not complete the loan documentation must apply fresh.
Documents Required
Keep the following documents ready before starting the online application:
- Aadhaar Card - for identity verification of the applicant.
- Ration Card - to confirm the family details and Below Poverty Line status.
- Voter ID - as a second proof of identity and residence.
- Recent passport size photos - needed for the application form.
- Business address proof - shows where the proposed business or trade will run.
- Birth certificate or age proof - to confirm the age of the applicant.
- Caste certificate - to confirm that the applicant belongs to the Thakor or Koli community.
- Bank passbook copy - first page showing the account details for loan payment.
- Income certificate - to confirm that the family income is within the limit.
References
For official details, applicants can visit the following links:
- Official Guidelines of New Swarnima Yojana for Women
- GTKVN Official Website
- Online Application Portal of GTKVN
FAQ's
What is the primary objective of this scheme?
The main aim is to support women from the Thakor and Koli communities living below the poverty line by providing funds for self-employment ventures.
Who is eligible to apply for this scheme?
Women of the Thakor or Koli community aged 21 to 50 years who meet the income and experience criteria can apply.
What is the annual family income limit?
The total annual household income should not be more than ₹3,00,000. At least 50% of the loan funds are kept for families with an annual income up to ₹1,50,000.
Is there any specific age constraint?
Yes, the applicant should be between 21 and 50 years old on the date of submitting the application.
What is the interest rate applied?
A simple interest rate of 5% per annum is applied, as per the rate fixed by the state government from time to time.
How long do I get to repay the loan?
The loan has to be repaid in 60 equal monthly installments, including interest.
Does the scheme cover the full business cost?
Yes, New Swarnima Yojana for Women (GTKVN) covers 100% of the approved project cost.
Is collateral required?
Yes, suitable collateral must be provided to secure the loan amount.
What is the maximum loan amount?
As per the official scheme page of the Social Justice and Empowerment Department, the maximum loan limit under this scheme is up to ₹2,00,000.