Passenger Vehicle/Loading Vehicle Loan Scheme (DAADC) helps unemployed individuals from Scheduled Caste Antyodaya families in Gujarat start their own transport business by offering loans for passenger or freight vehicles. Dr. Ambedkar Antyodaya Development Corporation runs this scheme under the Social Justice and Empowerment Department of Gujarat, and applications for 2026 are open on the official online portal.
The scheme gives loan support at a low 4 percent interest rate so that eligible people can buy a passenger or loading vehicle and earn a steady income. For example, if Ramesh, an eligible individual, wants to buy a small mini-truck for goods delivery, he can use this loan to make the purchase and build a stable income source. This support encourages self-employment and helps marginalized families in the transport sector.
Key Information
Here are the main details of the scheme at a glance:
| Detail | Information |
|---|---|
| Scheme Name | Passenger Vehicle/Loading Vehicle Loan Scheme (DAADC) |
| Level | State |
| Beneficiary State | Gujarat |
| Implementing Agency | Dr. Ambedkar Antyodaya Development Corporation |
| Category | Banking and Financial Services |
| Target Audience | Unemployed Scheduled Caste Antyodaya Individuals |
| Loan Amount (Three Wheeler) | Up to ₹3,00,000 |
| Loan Amount (Four Wheeler) | Up to ₹15,00,000 |
| Interest Rate | 4 percent |
| Application Deadline | 14 August 2026 |
| Benefit Type | Loan Support |
Eligibility
To qualify for this support, you should meet the following criteria:
- You should be a permanent resident of Gujarat and belong to the Scheduled Caste (SC) category as part of an Antyodaya family.
- You must be currently unemployed and should not be a safai karmachari or a dependent of one.
- Your total family income should not exceed ₹3,00,000 per year.
- You should be at least 18 years old on the date of the advertisement.
- Neither you nor any dependent family member should be working in a government or semi-government office.
- You should not have taken a previous loan under this corporation or any government scheme unless it has been fully repaid.
- For the vehicle loan, you must hold a valid driving licence for the vehicle you want to buy.
Benefits
This scheme provides financial support through low-interest loans to buy passenger and freight vehicles. The loan amount depends on the type of vehicle you choose.
For a three-wheeler, such as an auto rickshaw or a small loading vehicle, you can get up to ₹3,00,000. For a four-wheeler, such as a passenger car or a goods-carrying truck, the loan can go up to ₹15,00,000. In both cases, the interest rate is a low 4 percent, which keeps the monthly repayment easy to manage.
Application Process
You should follow the simple online application process to apply for this loan:
STEP 1 - Visit the official DAADC online portal and click on the scheme you want to apply for. Choose the three-wheeler option or the four-wheeler option as per your vehicle.
STEP 2 - Register or log in using your valid credentials on the portal.
STEP 3 - Fill out the application form carefully with all the required personal and professional details.
STEP 4 - Upload the required documents as asked by the system.
STEP 5 - Submit your application and keep a copy of the submitted form with you for future reference.
Documents
You should keep the following required documents list ready for your application:
- Aadhaar Card
- Ration Card
- First page of your bank passbook
- Valid income certificate
- Caste certificate
- Driving licence along with the abstract of the licence
- Proof of age, such as a School Leaving Certificate, Birth Certificate, or a certificate from a Medical Officer or Civil Surgeon
References
View Official Scheme Guidelines (Scheme No. 416)
Official DAADC Online Loan Application Portal
FAQ's
What is the main purpose of Passenger Vehicle/Loading Vehicle Loan Scheme (DAADC)?
The main purpose is to provide low-interest loans to unemployed individuals from Scheduled Caste Antyodaya families in Gujarat, enabling them to buy passenger or freight vehicles for transport services and earn a steady income.
Who can apply for this vehicle loan?
Any unemployed person belonging to the Scheduled Caste category and an Antyodaya family residing in Gujarat with a family income under ₹3,00,000 per year can apply. The applicant must be at least 18 years old and hold a valid driving licence.
Which vehicles can I buy under this scheme?
You can purchase both passenger vehicles for public transport and freight vehicles for moving goods. The loan amount is up to ₹3,00,000 for a three-wheeler and up to ₹15,00,000 for a four-wheeler.
Do I need a driving licence to apply?
Yes, possessing a valid driving licence for the vehicle you want to buy is required for your application.
Is there an application fee?
No, there is no application fee for this scheme; the process is fully free.
What is the last date to apply in 2026?
Applications for the 2026 cycle are open until 14 August 2026, up to 24:00 hours on the official portal.
How can I submit my application?
You should submit your application online through the official portal at https://daadconline.gujarat.gov.in.