AI Summary100 State Government Divyangjan Term Loan Yojana helps differently abled residents of Gujarat get a term loan between ₹50,000 and ₹1,00,000 at a low interest rate of 6% per year. The loan has to be repaid within 5 years, and it is meant for people who want to start or grow their own business.
Social Justice and Empowerment Department of Gujarat runs this scheme through Gujarat State Divyangjan Finance and Development Corporation. Online applications are accepted on the eSamajkalyan portal, and as of August 2026 the primary level of this scheme is open for new applications.
100 State Government Divyangjan Term Loan Yojana - Introduction
This scheme is made for native residents of Gujarat who have a disability of 40% or more. The loan amount helps with business ventures and livelihood needs so that differently abled people can become self-reliant without depending on expensive market loans.
Disability certificate from a Civil Surgeon is required to prove the disability percentage. There is no income limit, no educational requirement, and no restriction on caste or religion, so the scheme remains open to all eligible people in the state.
Key Information
| Feature | Details |
|---|---|
| Scheme Name | 100 State Government Divyangjan Term Loan Yojana |
| Level | State |
| Beneficiary State | Gujarat |
| Target Audience | Individuals with disabilities |
| Nodal Agency | Gujarat State Divyangjan Finance and Development Corporation |
| Interest Rate | 6% per Annum |
| Loan Range | ₹50,000 to ₹1,00,000 |
| Repayment Tenure | 5 Years |
| Application Mode | Online on eSamajkalyan portal |
| Official Website | esamajkalyan.gujarat.gov.in |
Application Process
The whole process happens online on the eSamajkalyan portal. Below are the steps to register, apply, and track the loan application.
STEP 1 - Visit the official eSamajkalyan portal and click on the New User? Please Register Here! link in the right panel. Fill in the registration form, complete the captcha, and click Submit. Once registered, the User ID will be shown on the screen, so save it for future logins.
STEP 2 - Log in with the User ID, password, and captcha code. After login, update the profile details with correct personal information.
STEP 3 - Go to the Corporation menu at the top and select Gujarat State Divyangjan Finance and Development Corporation. From the scheme list, choose 100% State Govt Divyangjan Term Loan Yojana - Primary Level, which is open for new applications on the portal.
STEP 4 - Fill in the online application form with the required details and upload all required documents in the specified format and size. You can also download the application form PDF for reference before filling the online form.
STEP 5 - Check all the details and uploaded documents once, correct any mistakes, and click Submit. Note down the Application Number and take a printout of the submitted form for future use.
STEP 6 - To check the status, go to the bottom of the eSamajkalyan homepage and click Your Application Status. Enter the Application Number and date of birth, then click View Status to see where the application stands.
Benefits
Beneficiaries get a term loan between ₹50,000 and ₹1,00,000 depending on the requirement and the approval of the sanctioning authority. The interest rate is only 6% per year, which is far lower than normal bank loan rates, and the repayment period is 5 years.
For example, a loan of ₹50,000 at 6% interest keeps the EMI small and easy to manage. This support lets differently abled people run their own business, buy equipment, or start a small livelihood activity without money pressure.
Eligibility
Anyone who meets the basic conditions listed below can apply for this loan scheme:
- Permanent resident of Gujarat: Applicant must live in Gujarat and should be able to show proof of residence.
- Disability of 40% or more: The disability and its percentage must be certified by a Civil Surgeon.
- Adult applicant: Applicant should be of legal age to sign a loan agreement. There is no income limit or educational requirement.
Documents
Keep these documents ready before starting the online application:
- Aadhaar Card and a government identity card for identity proof.
- Bank passbook or a cancelled cheque for bank details.
- Birth certificate for age proof.
- Disability certificate issued by a Civil Surgeon and the PH identity card.
- Election card or Voter ID for address proof.
References
Official details, notifications, and guidelines for 100 State Government Divyangjan Term Loan Yojana are available on the links below.
Gujarat State Divyangjan Finance and Development Corporation page
You can also check Loan for Foreign Study (E.B.C.) scheme, another loan support run through the same corporation.
FAQ's
What is the main aim of 100 State Government Divyangjan Term Loan Yojana?
The scheme gives concessional loans to differently abled residents of Gujarat with 40% or more disability, so they can become self-reliant and run their own business or livelihood activity.
Can I apply if my family income is high?
Yes. There is no income limit for this scheme. It is made for all income groups, and eligible differently abled people can apply.
What is the loan repayment period?
The loan has to be repaid within 5 years, along with interest at the rate of 6% per year.
Do I need any special educational qualification?
No. There is no educational qualification or professional background requirement for this loan.
Is there any age limit?
The scheme does not fix a specific age limit, but the applicant must be a legal adult who can sign the loan agreement.
Where can I apply for this scheme?
Applications are accepted online on the official eSamajkalyan portal. Register as a new user, fill the form, and submit it with the required documents. You can check the application status on the same portal.