Gujarat Mukhyamantri Mahila Utkarsh Yojana

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Overview & About

Zero-interest loan scheme for women SHGs in Gujarat providing credit up to ₹1 lakh per member for livelihood activities.

Mukhyamantri Mahila Utkarsh Yojana provides zero-interest loans to women Self Help Groups (SHGs) in Gujarat. Under the scheme, 10-lakh SHG groups each with 10 members get ₹1 lakh per member loan at 0% interest. The government bears the interest cost of 6-7%, making it effectively interest-free for women.

⚡ Key Facts

State Gujarat

Loan ₹1,00,000/member (0% interest)

Interest Borne By State Government

Beneficiaries 10 lakh SHG members

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Benefits

Zero interest loan: ₹1,00,000 per SHG member
Government bears full interest subsidy
Loan through commercial banks
Repayment period: 1–2 years
For any livelihood/business activity
No collateral required

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Eligibility Criteria

Woman member of registered SHG in Gujarat
SHG must have minimum 10 members
SHG must be 6 months old with regular savings
Members should not have existing overdue loans

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Required Documents

SHG registration certificate, Member Aadhaar, Bank passbook, SHG savings register

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How to Apply

1

SHG applies collectively at partner bank

2

Bank verifies SHG registration and savings track record

3

₹10 lakh disbursed to SHG (₹1 lakh per member)

4

Government pays interest subsidy directly to bank

5

Members repay principal only over 1–2 years

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Frequently Asked Questions

Does each SHG member get ₹1 lakh separately? ▾

Yes, each of the 10 members of an SHG gets ₹1 lakh. The total loan per SHG is ₹10 lakh disbursed through the group.

Do we repay interest at all? ▾

No, the scheme is truly 0% interest. The Gujarat government pays the bank interest on your behalf. You repay only the principal amount.

Overview & About

Benefits

Eligibility Criteria

Required Documents

How to Apply

Frequently Asked Questions

Jump to Section

Quick Facts

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Gujarat Mukhyamantri Mahila Utkarsh Yojana

Overview & About

Benefits

Eligibility Criteria

Required Documents

How to Apply

Frequently Asked Questions

Jump to Section

Quick Facts

Need Help?

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