Term Loan Scheme (GSKVN)

Description
The "Term Loan Scheme" is implemented by the Gujarat Safai Kamdar Vikas Nigam GSKVN under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to uplift safai kamdars scavengers and their dependents by providing financial assistance in the form of term loans to help them take up various trades or professions for self-employment. The scheme also aims to integrate them into the mainstream society by enabling them to move away from the traditional, inhuman, and hazardous occupation of manual scavenging and lead a life of dignity. Under this scheme, beneficiaries are eligible to receive term loans ranging from ₹1,00,000 to ₹15,00,000 to start income-generating self-employment activities or projects. The scheme is implemented with the support of the National Safai Karamcharis Finance & Development Corporation NSKFDC , New Delhi, in collaboration with the State Government, through the Gujarat Safai Kamdar Vikas Nigam.

Exclusions
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Benefits
• Loan Amount:
• loans from ₹1,00,000/- to ₹15,00,000/- are provided at an interest rate of 6% for various businesses.

Eligibility Criteria
1. The applicant should be a resident of Gujarat.
2. The applicant should be a scavenger/sanitation worker or a dependent of one.
3. The applicant should be willing to use the loan for starting income-generating self-employment activities or projects.
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Application Process
Step 1: Step 1: Visit the Social Justice & Empowerment Department website: https://esamajkalyan.gujarat.gov.in
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Step 1: Visit the Social Justice & Empowerment Department website: https://esamajkalyan.gujarat.gov.in

Step 2: Step 2: Click on “Please Register Here” on the homepage.
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Step 2: Click on “Please Register Here” on the homepage.

Step 3: Step 3: Fill in your personal details as per Aadhaar.
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Step 3: Fill in your personal details as per Aadhaar.

Step 4: Step 4: Create a password and submit the form.
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Step 4: Create a password and submit the form.

Step 5: Step 5: Verify details and click “Confirm”.
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Step 5: Verify details and click “Confirm”.

Step 6: Step 6: You will receive your User ID & Password via SMS/email.
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Step 6: You will receive your User ID & Password via SMS/email.

Step 7: Step 1: Go to the portal homepage.
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Step 1: Go to the portal homepage.

Step 8: Step 2: Enter your User ID, Password, and Captcha.
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Step 2: Enter your User ID, Password, and Captcha.

Step 9: Step 3: Click “Login” to access your dashboard.
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After login, complete your User Profile (first-time only).

Step 10: Step 1: Homepage will show eligible schemes – click on the one you want.
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Step 1: Homepage will show eligible schemes – click on the one you want.

Step 11: Step 2: Fill out the scheme application form.
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Step 2: Fill out the scheme application form.

Step 12: Step 3: Upload the required documents.
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Step 3: Upload the required documents.

Step 13: Step 4: Review all entries, agree to terms, and click “Save Application” & note down your Application Number for tracking.
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Step 4: Review all entries, agree to terms, and click “Save Application” & note down your Application Number for tracking.

Step 14: Step 1: Click on “View Application Status”
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Step 1: Click on “View Application Status”

Step 15: Step 2: Enter your Application Number and Date of Birth
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Step 2: Enter your Application Number and Date of Birth

Step 16: Step 3: Click “View Status” to check progress
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Step 3: Click “View Status” to check progress

Required Documents
• Aadhaar Card
• Caste Certificate
• Income Certificate
• PH Identity Card, If applicable
• Widow Certificate, If applicable
• Age Proof
• Identity Card
• PH Certificate from Civil Surgeon, If applicable
• Ration Card

Frequently Asked Questions
Q: Who can apply for the scheme?
A: Any sweeper, scavenger, or their dependent residing in Gujarat.
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Q: What is the loan amount offered?
A: The loan amount is ₹1,00,000 to ₹15,00,000.
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Q: What is the loan used for?
A: Self-employment activities/projects or small businesses.
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Q: Is there any income limit?
A: No, there is no income limit.
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Q: Are persons with disabilities eligible?
A: Yes, with a valid PH certificate and ID.
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Q: Is there any application fee?
A: No, the application is free.
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Q: Can I apply offline?
A: No, applications must be submitted online.
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Q: Is the scheme available across Gujarat?
A: Yes, it is available statewide.
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