Swayam Saksham Yojana 2026: Up to ₹5 Lakh Self-Employment Loan, Eligibility & Apply Online
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Quick answer
Swayam Saksham Yojana provides low-interest loans of up to ₹5,00,000 to professionally qualified, unemployed SEBC youth in Gujarat to help them launch their own professional setups. The loan carries an interest rate of 6% per annum with repayment spread over 60 monthly instalments. Eligible candidates can submit their applications online through the official GBCDC portal.
At a glance
| Main benefit | Up to ₹5,00,000 loan at 6% interest |
| Ministry / department | Social Justice and Empowerment Department |
| Level | State Government (Gujarat) |
| Age | 18–35 years |
| Income limit | ₹3 lakh |
| Application mode | Online |
About the scheme
Implemented by the Gujarat Backward Classes Development Corporation (GBCDC) under the Social Justice and Empowerment Department, the Swayam Saksham Yojana promotes self-reliance among professionally educated youth from Socially and Educationally Backward Classes (SEBC). The initiative offers financial support up to ₹5,00,000 at an annual interest rate of 6% to establish independent ventures such as medical clinics, legal consultancies, CA offices, and engineering units. By funding new business setups with a structured unit-cost formula (85% national corporation, 10% state government, and 5% beneficiary share), the programme empowers young professionals to become independent entrepreneurs.
Benefits
- Loan amount of up to ₹5,00,000 per eligible applicant
- Concessional interest rate of 6% per annum
- Cost sharing model: 85% covered by a national corporation, 10% by the State Government, and 5% contributed by the beneficiary
- Repayment term of 60 equal monthly instalments including interest
Who can apply (eligibility)
- The applicant must be a resident of Gujarat
- The applicant must belong to the Socially and Educationally Backward Classes (SEBC)
- Age must be between 18 and 35 years on the date of application
- The applicant must be unemployed but hold professional qualifications (such as doctor, engineer, lawyer, CA, architect, or physiotherapist)
- Total annual family income must not exceed ₹3,00,000
- Must have completed a professional course (degree or diploma)
- Must intend to set up a professional venture such as a clinic, nursing home, physiotherapy clinic, biomedical lab, legal office, medical store, architect office, engineering unit, or CA office
Who cannot apply
- Existing businesses seeking loan expansion are not eligible (the scheme is only for first-time business setups)
- Applicants residing outside the state of Gujarat are not eligible
Documents required
- Aadhaar Card
- Bank Passbook or Cancelled Cheque
- Business Address Proof
- Certificate of Professional Course
- Income Certificate
- Passport Size Photos
- Quotations
- True Copy of Election Card
- Age Proof or Birth Certificate
- Caste Certificate
- Graduate Mark sheet or relevant Mark sheet
- Post Graduate Mark sheet (if applicable)
- School Leaving Certificate
How to apply
- 1Visit the official Gujarat Backward Classes Development Corporation portal at gbcdconline.gujarat.gov.in.
- 2Click on 'Apply Online' located on the top menu bar of the homepage.
- 3Select 'New Registration', enter your personal details, set a password, and verify using the OTP.
- 4Log in with your registered User ID and password.
- 5Click on 'New Application' and choose 'Swayam Saksham Yojana' from the scheme menu.
- 6Complete the application form with personal, address, family income, loan requirement, and bank account information.
- 7Upload required scanned documents including caste certificate, income proof, Aadhaar card, photograph, bank passbook copy, and residence proof.
- 8Review all entries using the 'Preview' option and click 'Submit'.
- 9Note down the generated Application ID or Reference Number and print the acknowledgement slip for future tracking.
Frequently asked questions
Who is eligible to apply for Swayam Saksham Yojana?+
Unemployed youth from Gujarat belonging to Socially and Educationally Backward Classes (SEBC), aged 18 to 35 years, with a professional degree or diploma and family income up to ₹3,00,000, are eligible.
How much loan can be availed under the scheme?+
Eligible candidates can receive a loan of up to ₹5,00,000.
What is the interest rate and repayment period?+
The loan carries an interest rate of 6% per annum and must be repaid in 60 equal monthly instalments including interest.
Can I apply to expand an existing business?+
No, the scheme does not cover business expansion; it is strictly meant for establishing new first-time professional setups.
What is the funding pattern under the scheme?+
The unit cost is shared as 85% by a national corporation, 10% by the State Government, and 5% as beneficiary contribution.
Can residents of other states apply for this scheme?+
No, this scheme is strictly for permanent residents of Gujarat.
NaukriZila is not a government website. Apply only on the official portal; never pay anyone to apply for a government scheme. Source: myScheme (Government of India)