The scheme was launched by the Department of Social Justice & Empowerment, Government of Gujarat, in 1991.

Beneficiaries belonging to the Scheduled Caste category can access a maximum loan of ₹10 lakhs to purchase a business premises/shop in urban areas.

The beneficiary bears interest up to 4%, while any bank interest payable above 4% is covered by the government as an interest subsidy for three years.

A subsidy assistance of ₹15,000/- is also given under this scheme.

Applicants must be natives of Gujarat and belong to the Scheduled Caste category. There is no income limit.

The loan assistance is provided only for the purpose of establishing a shop or business at one place.

The subsidy will be paid three months after the opening of the shop.

Priority is given to educated unemployed individuals, unemployed mill workers, persons with technical and professional experience, and self-employed persons with qualifications.

Yes, loans/assistance can be provided for such premises, but they must be mortgaged to the government until the loan amount is repaid.

Yes, applicants are free to repay loan installments and interest earlier than the due date.

Defaulters will be charged 2.5% more as penal interest, and the outstanding loan amount can be recovered as land revenue arrears.

Eligible applicants may apply through the e-Samaj Kalyan Portal: https://esamajkalyan.gujarat.gov.in/