SGDTLY

100% State Government Divyangjan Term Loan Yojana

6.0/10

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.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.0
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 4.0/10 Moderate
Application complexity 4.0/10 Moderate
Financial impact 8.0/10 Good
Literacy barrier 6.0/10 Moderate
Women inclusivity 6.0/10 Moderate
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact8.0
  • Rural utility4.0
  • Awareness4.5
  • Simplicity6.0
  • Inclusivity6.0

What problem does this scheme solve?

The scheme provides essential financial support to differently-abled individuals in Gujarat, promoting self-reliance and economic empowerment.

Key challenges addressed

  • Financial assistance for individuals with disabilities
  • Support for livelihood and business ventures

Most beneficial for

  • Differently-abled individuals
  • Low-income residents of Gujarat

Likely challenges

  • Complex online application process
  • Potential lack of awareness among eligible beneficiaries

Practical insights for citizens

While the scheme has potential benefits, the complexity of the application process may deter eligible individuals from applying.

Rural challenges

  • Limited internet access
  • Lack of awareness about the scheme

Digital challenges

  • High digital dependency for application
  • Need for digital literacy

Implementation bottlenecks

  • Certification process may delay applications
  • Potential bureaucratic hurdles

Awareness challenges

  • Low awareness among target beneficiaries
  • Need for outreach programs

Application analysis

Application mode
Online portal
Documents burden
Moderate, requires multiple documents
Verification complexity
Moderate, requires certification from a civil surgeon
Office dependency
Low, primarily online
DBT dependency
No
CSC support
Limited
Estimated citizen effort
High, due to multiple steps in the application process

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Inclusive
  • Target income group Low-income
  • Occupation reach Self-employed, small business owners

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time loan
Benefit practicality
Practical for self-employment and business ventures
Financial meaningfulness
Moderately meaningful, depending on the individual's needs
Long-term impact
Potentially significant if beneficiaries utilize loans effectively

Plain-language guidance

This scheme offers loans to differently-abled individuals in Gujarat to help them start businesses or improve their livelihoods. Applicants must have a disability of 40% or more.

Who should apply
Differently-abled residents of Gujarat seeking financial support.
Who may struggle
Individuals with limited digital skills or those unfamiliar with online applications.
Best application route
Apply via the official eSamajkalyan portal after registering online.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

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 "100% State Govt Divyangjan Term Loan Yojana" 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.

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.

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.

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.

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.

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.

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.

Where can an interested applicant submit their application for the scheme?

Interested individuals can apply online by visiting the official eSamajKalyan portal, where they must register, complete the application form, and upload the required documents.

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.

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

Guidelines
https://mariyojana.gujarat.gov.in/Schemeatoz.aspx

Apply

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Frequently asked questions

What is the purpose of 100% State Government Divyangjan Term Loan Yojana?
100% State Government Divyangjan Term Loan Yojana is a government welfare initiative designed to support Individual, Individual through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for 100% State Government Divyangjan Term Loan Yojana?
Eligibility for 100% State Government Divyangjan Term Loan Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under 100% State Government Divyangjan Term Loan Yojana?
Benefits under 100% State Government Divyangjan Term Loan Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages 100% State Government Divyangjan Term Loan Yojana?
100% State Government Divyangjan Term Loan Yojana is managed by Social Justice and Empowerment Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for 100% State Government Divyangjan Term Loan Yojana?
Yes, eligible applicants may be able to apply online for 100% State Government Divyangjan Term Loan Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for 100% State Government Divyangjan Term Loan Yojana?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for 100% State Government Divyangjan Term Loan Yojana?
Applications for 100% State Government Divyangjan Term Loan Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for 100% State Government Divyangjan Term Loan Yojana?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is 100% State Government Divyangjan Term Loan Yojana available in all states?
No, 100% State Government Divyangjan Term Loan Yojana is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
Can residents outside Gujarat apply for 100% State Government Divyangjan Term Loan Yojana?
Eligibility for 100% State Government Divyangjan Term Loan Yojana is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
Can CSC centres help users apply for 100% State Government Divyangjan Term Loan Yojana?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for 100% State Government Divyangjan Term Loan Yojana?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for 100% State Government Divyangjan Term Loan Yojana?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for 100% State Government Divyangjan Term Loan Yojana in Gujarat?
Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with 100% State Government Divyangjan Term Loan Yojana applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.