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Banking,Financial Services and Insurance; Business & Entrepreneurship; Skills & Employment

Direct Finance Scheme by NSFDC (GSCDC)

Under this scheme, loans are offered at a low interest rate, ranging from 1% to 5%, specifically for self-employment to scheduled caste (SC) individuals.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- Provide a loan for self-employment to a scheduled caste person at a low interest rate of just 1% to 5%.

Who can apply

The applicant must be a resident of Gujarat.; The applicant must belong to the Scheduled Caste (SC) community.; The applicant must be unemployed.; The applicant’s annual family income should not exceed ₹3,00,000.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

Is there any fee to apply?

No, the application form and services are completely free.

What is Bahedhari Patrak?

A notarized surety document is required for loan sanction.

Who is eligible for the scheme?

Scheduled Caste persons with family income up to ₹3,00,000.

What is the rate of interest on loans under this scheme?

Loans are available at concessional rates between 1% to 5%.

What is the purpose of the loan?

The purpose for self-employment and business ventures.

Can salaried individuals apply for this scheme?

No, only unemployed SC persons seeking self-employment are eligible.

What documents are required?

Aadhaar card, caste certificate, income certificate, bank details, and business-related documents.

Where can I apply for this scheme?

The apply online at https://gscdconline.gujarat.gov.in/.

Is there an offline application process?

No, applications are accepted only online.

Where can I get more information?

More details are available on https://sje.gujarat.gov.in/ddcw and the https://gscdconline.gujarat.gov.in/.