Term Loan

Term Loan (Gujarat Minorities Finance & Development Corporation Limited)

T

राज्य

राज्य / केंद्र शासित प्रदेश: गुजरात

मंत्रालय / नोडल: Social Justice and Empowerment Department

विभाग: Social Justice and Empowerment Department

नोडल विभाग: Social Justice and Empowerment Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

लक्षित लाभार्थी: Minority Families, Unemployed Individuals

टैग: Loan, Minorities, Self-Employment, Small Business, Financial Help, Gujarat, Social Welfare, Empowerment, Interest Subsidy, Economic Development, Youth, Women

विवरण

The Term Loan Scheme, managed by the Gujarat Minorities Finance & Development Corporation Limited under the Social Justice and Empowerment Department, provides personal loans for small business and self-employment activities. Loans of up to Rs. 20 lakhs are available for various sectors including agriculture, technical self-employment, service businesses, craft occupations, and the transport sector. The scheme targets minority families across the state, with specific income limits and interest rates based on the beneficiary's annual family income.

लाभ

  • - Personal loans for small business/self-employment up to Rs. 20 lakhs
  • Interest rate of 3% per annum for beneficiaries with an annual family income up to Rs. 98,000 (rural) or Rs. 1,20,000 (urban)
  • Interest rate of 8% per annum for male beneficiaries with an annual family income between Rs. 1,20,001 and Rs. 8,00,000
  • Interest rate of 5% per annum for female beneficiaries with an annual family income between Rs. 1,20,001 and Rs. 8,00,000
  • Personal loans for small business/self-employment up to Rs. 20 lakhs
  • Interest rate of 3% per annum for beneficiaries with an annual family income up to Rs. 98,000 (rural) or Rs. 1,20,000 (urban)
  • Interest rate of 8% per annum for male beneficiaries with an annual family income between Rs. 1,20,001 and Rs. 8,00,000
  • Interest rate of 5% per annum for female beneficiaries with an annual family income between Rs. 1,20,001 and Rs. 8,00,000

पात्रता

Eligible applicants include:

  • Individuals aged between 21 and 45 years
  • Minority families
  • No specific educational or professional qualifications required
  • Unemployed individuals can apply

आवेदन प्रक्रिया

Online

To apply, visit the online application portal at Gujarat Minorities Finance & Development Corporation. Required documents include:

  • 7/12 Certificate
  • Aadhar Card
  • Age Proof
  • Bank Pass Book/Cancelled Cheque
  • Business Address Proof
  • Caste Certificate
  • Certificate of Professional Course
  • Copy of License
  • Graduate Mark Sheet
  • Identity Card
  • Income Certificate
  • 12th Std Mark Sheet
  • Passport Size Photos
  • Post Graduate Mark Sheet
  • Quotations
  • Ration Card
  • School Leaving Certificate

संदर्भ

आवेदन करें

अभी आवेदन करें

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

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