Swarojgar Lakshi Loan Yojana 2025: Loan for Self-Employment in Gujarat
The Government of Gujarat has launched the Swarojgar Lakshi Loan Yojana 2025 to support non-reserved category citizens in becoming self-reliant through self-employment. Implemented by the Social Justice and Empowerment Department, this scheme provides financial assistance to start small businesses, startups, and self-employment activities.
This initiative aims to empower the youth and women by offering loans at low-interest rates so they can begin their own income-generating ventures.
✅ Overview of Swarojgar Lakshi Loan Yojana 2025
| Scheme Name | Swarojgar Lakshi Loan Yojana 2025 |
|---|---|
| Loan Amount | Up to ₹10,00,000 |
| Beneficiaries | Non-Reserved Category Residents of Gujarat |
| Age Limit | 18 to 50 years |
| Interest Rate | Men: 5% • Women: 4% |
| Application Mode | Online |
| Purpose | To promote self-employment and small businesses |
⭐ Key Highlights of the Scheme
- Loan Amount: Up to ₹10 lakh for 40 types of small businesses
- Age Limit: 18 to 50 years
- Interest Rate:
- Men: 5% per annum
- Women: 4% per annum
- Family Annual Income Limit: Must be below ₹6 lakh
🚕 Loan for Small Vehicles
Beneficiaries needing a vehicle for self-employment—such as rickshaw, loading rickshaw, Maruti Eeco, Jeep-Taxi, etc.—can get a loan covering the full On-Road Cost of the vehicle.
🏪 Loan for Small Businesses
Individuals who wish to start a small business such as:
- Provision Store
- Medical Store
- Book Store
- Ready-Made Garments Shop
…can avail a loan of up to ₹10 lakh to set up their business.
🚚 Loan for Large/Loading Vehicles
Eligible beneficiaries can get up to ₹6 lakh for businesses such as:
- Transport
- Logistics
- Travellers / Travel Agency
- Food Van or Food Court
- Loading & Delivery Vehicle with Structure
🎯 Eligibility Criteria
To apply under the Swarojgar Lakshi Loan Yojana, applicants must:
- Be an Indian citizen
- Belong to the Non-Reserved Category of Gujarat
- Not be a defaulter of any bank loan
- Have a valid Aadhaar Card and Bank Account
- Have a Business Plan for the new venture
- For vehicle loans – must possess a valid driving license
📝 Terms & Conditions of the Loan
- Vehicle must be hypothecated in the name of the corporation
- Loan repayment starts after 3 months, payable in 5 years (monthly EMI)
- For business loans, business must start within 3 months of receiving the loan
- If the loan amount exceeds ₹7.50 lakh, the applicant must provide immovable property guarantee
- Applicants must submit 5 blank cheques signed in favor of the corporation
📌 Documents Required
- Educational Qualification Certificates
- Proof of Age
- Aadhaar Card
- Ration Card with applicant’s name
- Residential Proof
- Non-Reserved Category Certificate
- Family Income Certificate
- IT Return / Form-16 (if applicable)
- Business Place Proof
- Business Experience Proof (if any)
- Consent Letter for Property Mortgage
- Bank Passbook (First Page Copy with IFSC code)
🧵 40 Types of Small Businesses Covered Under the Scheme
Some of the eligible activities include:
- Masonry Work
- Carpentry
- Iron/Blacksmith Work
- Xerox/Printing Shop
- Tailoring
- Grocery Shop
- Computer & IT Services
- Mandap Decoration
- Utensils Rental
- Cycle Repair
- Photo Studio
- Electronics Repair
- Welding Work
- Band & Music Instruments
- Pan Shop
- Mic & Sound System
- Flour Mill
- Ceramic Shop
- Spare Parts Shop
- Readymade Garments Store
…and many more!
🙋♂️ Frequently Asked Questions (FAQs)
Q1: Who can apply for Swarojgar Lakshi Loan Yojana 2025?
Only Gujarat residents belonging to the Non-Reserved Category can apply.
Q2: How much loan can I get under this scheme?
You can get up to ₹10 lakh for business and ₹6 lakh for vehicles.
Q3: What is the interest rate under this scheme?
-
Men: 5% per annum
-
Women: 4% per annum
Q4: Is collateral required for the loan?
Yes, if the loan amount exceeds ₹7.50 lakh, you must provide property as security.
Q5: Can women apply for this loan?
Yes, women can apply and also get lower interest at just 4%.
Q6: How long is the repayment period?
5 years with monthly EMIs, starting after 3 months of receiving the loan.
📍 How to Apply Online for Swarojgar Lakshi Loan Yojana 2025?
Follow the steps below:
- Visit the official website of the Gujarat Government
- Click on “Swarojgar Lakshi Loan Yojana Apply Online”
- Fill the application form with required details
- Upload the necessary documents
- Submit the application and note the Application Number
- The bank or nodal agency will contact you for verification