SGDTLY

100% State Government Divyangjan Term Loan Yojana

The scheme provides provide financial support to native residents of Gujarat who have a disability of 40% or more. The eligible individuals can avail of a term loan ranging from ₹50,000/- to ₹1,00,000/- at a concessional interest rate of 6% per annum for a repayment period of five years.

State Cash

States / UT: Gujarat

Nodal department: Social Justice and Empowerment Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Categories: Social welfare & Empowerment

Sub-categories: Loan

Target beneficiaries: Individual

Tags: Loan, Disability, Social Welfare, Differently Abled

Details

The scheme "100% State Government Divyangjan Term Loan Yojana" was launched by the Social Justice and Empowerment Department, Government of Gujarat, to provide financial support to native residents of Gujarat who have a disability of 40% or more. The eligible individuals can avail of a term loan ranging from ₹50,000/- to ₹1,00,000/- at a concessional interest rate of 6% per annum for a repayment period of five years. This initiative empowers PwDs to become self-reliant by supporting their livelihood and business ventures.

Benefits

  • Loans ranging from ₹50 000/- to ₹1 00 000/- are disbursed at an annual rate of 6% for a period of 5 years

Loans ranging from ₹50,000/- to ₹1,00,000/- are disbursed at an annual rate of 6% for a period of 5 years.

Eligibility

  • The applicant must be a resident of Gujarat.
  • The applicant must be differently abled.
  • The percentage of the disability must be 40% or above.
  • The disability and its percentage must be certified by a civil surgeon.

Exclusions


Application Process

Online

Registration

Step 1: Visit the Official Website of eSamajkalyan.
Step 2: In the right pane of the home page, click "New User? Please Register Here!".
You will be taken to the Registration Form.
Step 3: In the form, provide all the mandatory fields, fill in the captcha code, and click "Submit" to complete the registration process. A popup will appear acknowledging successful registration and displaying your User ID for Login.

Application

Step 1: Visit the Official Website of eSamajkalyan.
Step 2: In the "Citizen Login" section provided in the right pane of the home page, provide your User ID and Password, fill in the Captcha Code, then click "Login".
Step 3: In the ribbon provided at the top of the website, click the "Corporation" menu, then click "Gujarat State Divyangjan Finance and Development Corporation". A list of schemes will be displayed. Select the scheme you intend to apply for.
Step 4: You will be taken to the online application form of the scheme. In the form, provide all the mandatory fields and upload all the mandatory documents in the specified format and size.
Step 5: Carefully review all the information provided and the documents uploaded. Make corrections, if any.
Step 6: Click "Submit" to submit your application. You'll receive a confirmation message. Note down your Application Number for future reference. You can also take a printout of the submitted application form.

Track Application Status

Step 1: Visit the Official Website of eSamajkalyan.
Step 2: Navigate to the bottom of the home page, and click "Your Application Status".
Step 3: In the next page, provide your Application Number, Date of Birth, and click "View Status". The current status of your application will be displayed.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is the objective of the "100% State Govt Divyangjan Term Loan Yojana"?
The &quot;100% State Govt Divyangjan Term Loan Yojana&quot; aims to provide financial assistance in the form of concessional loans to persons with disabilities who are residents of Gujarat and have been certified with at least 40% disability, thereby enabling them to become self-reliant and economically empowered. <br> <br>
Who is eligible to apply for this loan scheme?
Any person with a minimum of 40% disability, as certified by a civil surgeon, who is also a permanent resident of Gujarat, is eligible to apply under this loan scheme regardless of their income, education, profession, or category. <br> <br>
What is the range of loan amounts offered under this scheme?
Under this scheme, the eligible beneficiaries can receive a loan amount that ranges between ₹50,000/- and ₹1,00,000/-, based on their requirement and the discretion of the sanctioning authority. <br> <br>
What interest rate is charged on the loan amount under this scheme?
The scheme provides the loan at a concessional interest rate of only 6% per annum, which is significantly lower than standard market interest rates, thereby reducing the financial burden on the applicant. <br> <br>
What is the repayment duration provided for repaying the loan?
Beneficiaries under this scheme are granted a loan repayment period of 5 years, during which they must repay the principal and the interest as per the agreed terms. <br> <br>
Is there any income-related eligibility criterion for applicants under this scheme?
No, there is no individual or family income limit for applicants; the scheme is designed to be inclusive and is open to persons with disabilities from all income groups. <br> <br>
Does the scheme impose any restrictions based on caste, religion, or educational qualification?
The scheme does not discriminate based on caste, religion, educational qualifications, or professional background, and it is open to all eligible persons with disabilities in Gujarat. <br> <br>
Where can an interested applicant submit their application for the scheme?
Interested individuals can apply online by visiting the official [eSamajKalyan](https://esamajkalyan.gujarat.gov.in/index.aspx?HodID=Mgt3fh4h1dSAcTIdCEHhzQ==) portal, where they must register, complete the application form, and upload the required documents. <br> <br>
What documents must be submitted along with the application form?
Applicants must upload essential documents, including their Aadhaar Card, bank passbook or a cancelled cheque, birth certificate, identity card, disability certificate issued by a civil surgeon, PH identity card, and a true copy of their election card. <br> <br>
Is there a specific age requirement for applicants of this scheme?
While the scheme does not specify a particular age limit, applicants must be of legally permissible age to apply for a government loan, typically meaning they must be adults capable of entering into a loan agreement.

References

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Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

  • Aadhaar Card
  • Income Certificate
  • Caste Certificate (if applicable)
  • Residence Proof
  • Bank Account Details
  • Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status