AI SummaryNew Swarnima (Gopalak Nigam) is a loan support scheme run by Gujarat Gopalak Vikas Nigam under the Social Justice and Empowerment Department. It gives women from the Rabari and Bharwad communities in Gujarat low-interest loans to start their own business and become self-employed. Applications are open through the official online portal.
New Swarnima (Gopalak Nigam) - Introduction
New Swarnima (Gopalak Nigam) is a dedicated loan scheme introduced by the Gujarat Gopalak Vikas Nigam under the Social Justice and Empowerment Department. The scheme supports women from the Rabari and Bharwad communities by providing accessible credit to promote small business and self-reliance.
You should consider this scheme if you are a woman between the age of 21 and 50 years and your annual family income is up to ₹5 lakh. The scheme provides loan support for 15 types of businesses, with the maximum unit cost going up to ₹7.5 lakh, at a subsidized interest rate of 5% per annum.
By providing this support, the scheme helps backward class women build sustainable livelihoods and move toward economic independence. The loans are given for a fixed list of businesses, so you should pick the one that matches your skill and experience.
Key Information
| Key | Details |
|---|---|
| Scheme Name | New Swarnima (Gopalak Nigam) |
| Level | State |
| State | Gujarat |
| Category | Business & Entrepreneurship, Social welfare & Empowerment, Women and Child |
| Target Beneficiaries | Women from Rabari and Bharwad communities |
| Benefit Type | Loan support |
| Department | Social Justice and Empowerment Department |
| Application Mode | Online |
Benefits
The scheme offers several advantages to support your entrepreneurial journey:
| Benefit Feature | Details |
|---|---|
| Loan Support | Up to ₹7.5 lakh depending on the business |
| Interest Rate | Subsidized 5% per annum |
| Purpose | Starting a small business from a fixed list |
| Target Audience | Women from Rabari and Bharwad communities |
By offering this low-interest financial support, the government helps eligible women take charge of their financial future and build a successful business.
Businesses Covered
Under New Swarnima (Gopalak Nigam), loans are given for 15 types of businesses. The maximum unit cost depends on the business you choose:
- Tailoring and embroidery work with a maximum unit cost of ₹1.5 lakh.
- Flower bouquet business with a maximum unit cost of ₹2 lakh.
- Ice cream, cold drink or milk parlour with a maximum unit cost of ₹2.5 lakh.
- Home industry such as papad, pickle, namkeen, candle and agarbatti with a maximum unit cost of ₹2.5 lakh.
- Masala grinding equipment with a maximum unit cost of ₹2.5 lakh.
- Beauty parlour with a maximum unit cost of ₹2.5 lakh.
- Computer, cyber cafe, accounting, GST or TALLY software business with a maximum unit cost of ₹3 lakh.
- Stationery, xerox, lamination and spiral binding with a maximum unit cost of ₹5 lakh.
- Imitation jewellery with a maximum unit cost of ₹5 lakh.
- Home furnishing stores with a maximum unit cost of ₹5 lakh.
- Grocery or provision stores with a maximum unit cost of ₹5 lakh.
- Readymade garments or sari stores with a maximum unit cost of ₹5 lakh.
- Gift articles and decorative goods with a maximum unit cost of ₹5 lakh.
- Religious equipment or pooja items shop with a maximum unit cost of ₹5 lakh.
- Gold and silver business with a maximum unit cost of ₹7.5 lakh.
Eligibility
To benefit from New Swarnima (Gopalak Nigam), you should meet the following criteria:
- You should be a permanent resident of Gujarat.
- You should be a woman from the Rabari or Bharwad caste.
- You should be recognized as a member of the socially and educationally backward class by the Government of Gujarat.
- You should be between 21 and 50 years of age.
- Your total annual family income should not exceed ₹5 lakh.
- You should intend to start a business from the list of 15 covered businesses.
Application Process
You should submit your application through the official online portal to start your entrepreneurial journey.
STEP 1 - Visit the official DAADC online portal.
STEP 2 - Register or log in using your credentials.
STEP 3 - Fill out the application form with your accurate personal and business details.
STEP 4 - Upload your required documents and submit the form.
Documents
Please keep the following documents ready for your application process:
- Income certificate showing that your family income is within the limit.
- Caste certificate confirming your status as Rabari or Bharwad.
- School leaving certificate for age proof, or a medical officer certificate if you are not educated.
- Aadhaar card copy and ration card copy.
- Business experience proof for the business you want to start.
- Project report or Udyam certificate for your intended business.
- Bank passbook or a cancelled cheque for financial transfers.
References
For further information and to start your application, you should visit the resources below:
FAQ's
What is New Swarnima (Gopalak Nigam)?
New Swarnima (Gopalak Nigam) is a loan support scheme that provides low-interest loans to Rabari and Bharwad women to launch their own business ventures.
Who is eligible for this scheme?
Women from the Rabari or Bharwad castes aged 21 to 50 with a family income below ₹5 lakh per year can apply.
What is the amount of financial support provided?
You can receive a loan based on the business you choose, with the maximum unit cost going up to ₹7.5 lakh.
Is there a subsidy available?
The scheme provides a subsidized interest rate of 5% per annum on your loan.
Is any collateral required?
No collateral is mandatory according to the current scheme guidelines.
Can I use the loan for any business?
You can use the funds for any of the 15 businesses listed under the scheme.
Can men apply for this scheme?
No, this scheme is specifically designed for eligible women within the mentioned communities.
What is the interest rate applied here?
The interest rate is fixed at 5% per annum.
Must I belong to a backward class?
Yes, you must belong to the socially and educationally backward Rabari or Bharwad castes to be eligible.
Where should I apply?
You should apply via the official DAADC online portal.