Mahila Samruddhi Yojana (DAADC)

Description
The "Mahila Samruddhi Yojana" is implemented by the Dr. Ambedkar Antyodaya Development Corporation DAADC under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to promote self-employment and financial independence among women from the Antyodaya Samaj, especially from Scheduled Castes. Under this scheme, loans are provided at a concessional interest rate to eligible women for starting small-scale businesses.

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Benefits
• Loan Amount: ₹50,000/- provided to eligible women for starting micro or small businesses.
• Interest Rate: 6% per annum.
• State Government Contribution: 95% of the loan amount, i.e., ₹47,500/-, is borne by the state.
• Beneficiary Contribution: 5% of the loan amount, i.e., ₹2,500/-.
• Possible Monthly Installment Amount: ₹1,445/- per month.
• Duration: 36 Months (3 years)

Eligibility Criteria
1. The applicant should be a permanent resident of Gujarat.
2. The applicant should be a woman.
3. The applicant should belong to the Scheduled Caste (SC) category.
4. The applicant should belong to the Antyodaya Anna Yojana (AAY) family or be from the economically backward class.
5. The applicant’s annual family income should not exceed ₹3,00,000/-.
6. The applicant should be planning to start a self-employment venture or micro-enterprise.
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Application Process
Step 1: Step 1: Visit the official website of the Dr. Ambedkar Antyodaya Vikas Nigam (SC).
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Step 1: Visit the official website of the Dr. Ambedkar Antyodaya Vikas Nigam (SC).

Step 2: Step 2: On the top menu bar, click on "Apply Now".
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Step 2: On the top menu bar, click on "Apply Now".

Step 3: Step 3: Click on the loan scheme name.
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Step 3: Click on the loan scheme name.

Step 4: Step 4: Select the loan category and fill in the loan amount.
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Step 4: Select the loan category and fill in the loan amount.

Step 5: Step 5: Fill out the Application Form, enter the following details:
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Personal Information: Name, gender, date of birth, caste, etc.
Address Information: Permanent and correspondence address
Income Details: Monthly family income and source
Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)
Bank Account Details: For loan disbursement

Step 6: Step 6: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
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Step 6: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.

Step 7: Step 7: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.
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Step 7: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.

Step 8: Step 8: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
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Step 8: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.

Required Documents
• Aadhaar Card
• Bank Passbook/Cancelled Cheque
• Caste Certificate
• Ration Card
• Copy of Election Card
• Widow Certificate
• Age Proof
• Birth Certificate
• Income Certificate
• School Leaving Certificate
• Copy of Electricity Bill

Frequently Asked Questions
Q: Who can apply for this scheme?
A: Scheduled Caste women from Antyodaya or economically backward families in Gujarat.
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Q: What is the loan amount under this scheme?
A: ₹50,000/- is provided as a loan.
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Q: What is the state government’s contribution?
A: ₹47,500 (95% of the loan) is contributed by the state government.
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Q: Can widows apply for this scheme?
A: Yes, widows are eligible.
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Q: What documents are needed?
A: Aadhaar, caste, income proof, bank details, and others.
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Q: How to apply for the scheme?
A: Apply online at [https://daadconline.gujarat.gov.in](https://daadconline.gujarat.gov.in).
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Q: Who implements the scheme?
A: Dr. Ambedkar Antyodaya Development Corporation.
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Q: Can the loan be used for any business?
A: Yes, for any approved small business or self-employment purpose.
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