AI SummaryTerm Loan Scheme (GNDTDC) offers loans up to ₹20,00,000 to individuals from Nomadic and Denotified Tribes in Gujarat at a low interest rate of 6% per annum. In 2026, eligible applicants can apply online through the official portal of Gujarat Nomadic and Denotified Tribes Development Corporation and use the amount for agriculture, small business, craftsmanship, or service-based trades.
GNDTDC implements the scheme under Social Justice and Empowerment Department, Government of Gujarat. Its main aim is to promote self-employment among Nomadic and Denotified Tribe families and give them a way to earn a steady income.
Term Loan Scheme (GNDTDC) - Introduction
Loan money can be used to buy equipment and raw materials, set up a small workshop or shop, or manage working capital for an existing business. Traditional occupations such as craftsmanship and service-type businesses are also covered under this scheme.
The loan total is shared by three parties. 85% comes from National Corporation, 10% from state government, and only 5% has to be paid by the beneficiary. This keeps the borrower's own share very small.
Key Information
| Key Feature | Details |
|---|---|
| Scheme name | Term Loan Scheme (GNDTDC) |
| Beneficiary state | Gujarat |
| Loan purpose | Agriculture, small-scale business, craftsmanship |
| Interest rate | 6% per annum |
| Repayment tenure | 60 equal monthly installments |
| Main department | Social Justice and Empowerment Department |
Benefits
The scheme gives loan support with a clear funding split. The total loan is made up of 85% from National Corporation, 10% from state government, and 5% from the beneficiary.
| Metric | Amount |
|---|---|
| Maximum loan limit | ₹20,00,000 |
| Interest rate | 6% per annum |
| Beneficiary contribution | 5% of total project cost |
| Repayment | 60 equal monthly installments |
For example, if someone wants to start a small workshop that requires ₹1,00,000, the borrower contributes ₹5,000 and the government and corporation cover the remaining ₹95,000.
Eligibility
To get this loan, the applicant should meet all of the following conditions:
- Permanent resident of Gujarat with a valid residence proof.
- Belong to a Nomadic Tribe or Denotified Tribe community.
- Family annual income should be ₹3,00,000 or less. At least 50% of the total loan budget is reserved for families earning up to ₹1,50,000 per year.
- Age should be between 21 and 50 years on the date of application.
- Prior experience in the trade or business planned is required, especially for technical and skilled work.
- Suitable collateral should be provided to secure the loan.
Application Process
Application for the scheme is fully online. Follow these steps to apply:
STEP 1 - Go to official portal at GNDTDC online loan portal. Scroll down on the homepage, find the Term Loan section, and click Apply Now. Application form will open on a new screen.
STEP 2 - Fill in all sections of the form. Give personal details such as name, father or husband name, address, contact number, Aadhaar number, date of birth, age, caste, and subspecies. Mention details of any past loan. Enter bank account number, bank name, branch, account type, IFSC code, and MICR code for fund transfer.
STEP 3 - Upload photograph and signature from the Upload Photo section. Each file should be smaller than 15 KB. Then open the Upload Document section and upload all required documents in PDF, JPG, JPEG, or PNG format.
STEP 4 - Review the form carefully using the preview option, fill the CAPTCHA, and click Submit. Note down the Application ID. On this portal, the Application Number itself is the Confirmation Number.
STEP 5 - To track the application, go to Know App Status on the portal, select the scheme name, enter Application Number and Date of Birth, and submit. If a correction is needed, use the Edit Application option with the confirmation number and date of birth.
Applicants who have taken an earlier loan from the corporation and still have pending repayment should not apply. Under the direct credit scheme, only one person from a family can apply, and only for one scheme.
Documents
Keep these documents ready before starting the application:
- Identity proof such as Aadhaar card or voter ID.
- Caste certificate showing Nomadic Tribe or Denotified Tribe.
- Income certificate of the family.
- Age proof like birth certificate or school leaving certificate.
- Experience certificate for the trade or business.
- Collateral documents for the loan.
- Recent photograph and signature.
Related schemes from the same corporation: New Akanksha Scheme (Educational Loan) for study loans and Mahila Samriddhi Yojana (for women only) GNTDNT for women applicants.
References
Official Guidelines | Online Application Portal | User Manual
FAQ's
What is the main purpose of this scheme?
Term Loan Scheme (GNDTDC) provides financial support for agriculture, small-scale industries, craftsmanship, and service-based trades for Nomadic and Denotified Tribe families in Gujarat.
What activities are covered under this loan?
Loan can be used for agricultural activities, traditional craftsmanship, small-scale businesses, and service-type trades.
What is the minimum age to apply?
Applicant should be at least 21 years old on the date of application.
Is prior work experience required?
Yes, applicant should have relevant experience in the business or trade they plan to start.
What is the interest rate?
Interest rate is fixed at 6% per annum.
Is collateral required?
Yes, suitable collateral has to be provided to get the loan.
How is the funding structured?
Loan total is 85% from National Corporation, 10% from state government, and 5% from the personal contribution of the beneficiary.
How to repay the loan?
Total amount including interest is repaid in 60 equal monthly installments.
How to edit a submitted application?
Use the Edit Application option on the portal, enter the confirmation number and date of birth, and submit the changes.