NEW SWARNIMA (Gopalak Nigam)

Description
The New Swarnima Scheme is a financial empowerment initiative by the Gujarat Gopalak Vikas Nigam under the Social Justice and Empowerment Department . It aims to provide 100% loan support to women from the Rabari and Bharwad communities to promote self-employment and entrepreneurship. Eligible women between the age of 21 and 45 years , with an annual family income up to ₹3 lakh , can receive a loan of up to ₹2 lakh at a subsidized interest rate of 5% per annum to start a business of their choice. The scheme is designed to increase economic independence and livelihood generation among backward class women.

Exclusions
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Benefits
• 100% loan assistance provided to eligible women
• Loan amount up to ₹2.00 lakh
• Interest rate fixed at 5% per annum
• Loan can be used to start a business of the beneficiary’s choice
• Meant for economically backward women of specific castes
• Encourages entrepreneurship and self-reliance

Eligibility Criteria
1. Be a permanent **resident of Gujarat**1. Be a **woman**1. Belong to the **Rabari or Bharwad caste**1. Belong to a **socially and educationally backward class** as recognized by the Government of Gujarat1. Be between **21 to 45 years** of age1. Have a **total annual family** income not exceeding **₹3.00 lakh**1. Intend to start your **own business or self-employment** venture using the loan

Application Process
Step 1: Step 1: Visit the official DAADC online portal.
Online
Step 1: Visit the official DAADC online portal.

Step 2: Step 2: Register/log in using your credentials.
Online
Step 2: Register/log in using your credentials.

Step 3: Step 3: Fill out the application form with accurate personal and scheme-specific details.
Online
Step 3: Fill out the application form with accurate personal and scheme-specific details.

Step 4: Step 4: Upload the required documents and submit.
Online
Step 4: Upload the required documents and submit.

Required Documents
• Residence/Domicile Certificate of Gujarat
• Caste Certificate (Rabari or Bharwad)
• Income Certificate
• Proof of Age (Aadhaar card, Voter ID, Birth Certificate, etc.)
• Bank Passbook or Cancelled Cheque
• Basic Business Proposal (if required)

Frequently Asked Questions
Q: What is the New Swarnima Scheme?
A: A loan scheme for **Rabari and Bharwad women** to start self-employment ventures.

Q: Who is eligible to apply?
A: Women from Rabari or Bharwad castes, **aged 21–45**, with income under ₹3 lakh/year.

Q: What is the maximum loan amount?
A: **₹2.00 lakh.**

Q: Is there any subsidy or grant in the scheme?
A: **No subsidy**, but interest is subsidized at 5% per annum.

Q: Is collateral required?
A: **No collateral** is mentioned in the scheme guidelines.

Q: Can I use the loan for any type of business?
A: **Yes,** any legal small business or trade.

Q: Can a man apply under this scheme?
A: **No,** only eligible women can apply.

Q: What is the rate of interest?
A: **5% per annum.**

Q: Is it necessary to belong to a backward class?
A: **Yes,** only socially and educationally backward Rabari and Bharwad castes.

Q: Where can I apply?
A: To apply visit the official [**DAADC**](https://daadconline.gujarat.gov.in/) online portal.