The Mukhyamantri Mahila Utkarsh Yojana is a flagship initiative of the Government of Gujarat aimed at empowering women by promoting entrepreneurship and self-employment. Under this scheme, eligible women are provided interest-free loans of up to ₹1 lakh to start a new business or expand an existing one—without any collateral security.
In addition to financial support, the scheme offers training and skill development programs to strengthen women’s entrepreneurial capabilities and encourage long-term financial independence.
📌 Scheme Overview
| Particulars | Details |
|---|---|
| Scheme Name | Mukhyamantri Mahila Utkarsh Yojana |
| Launching State | Gujarat |
| Implementing Department | Gujarat Women’s Economic Development Corporation (GWEDC) |
| Target Beneficiaries | Women Entrepreneurs |
| Loan Amount | Up to ₹1,00,000 |
| Interest Rate | Interest-Free |
| Repayment Period | Up to 5 Years |
| Collateral Requirement | Not Required |
| Income Limit | No Income Limit |
🎯 Objectives of the Scheme
- To promote women entrepreneurship in the state
- To provide interest-free financial assistance for business activities
- To enhance skills and business knowledge through training programs
- To create employment opportunities for women
- To support women in achieving financial independence
⭐ Key Features
- Interest-Free Loan: Loans up to ₹1 lakh without any interest burden
- No Collateral Required: Applicants do not need to provide security
- Flexible Repayment: Loan repayment period of up to 5 years
- 6% Subsidy: Additional subsidy of 6% per annum for timely repayment
- Skill Development: Free training and entrepreneurship development programs
- No Processing Fee: No charges for loan application
- No Income Restriction: Open to women from all income groups
🎁 Benefits of Mukhyamantri Mahila Utkarsh Yojana
- Easy access to interest-free business loans
- Encourages self-employment and micro-enterprise development
- Enhances entrepreneurial skills and confidence
- Helps women achieve economic self-reliance
- Promotes job creation and economic growth in Gujarat
- Inclusive scheme with no income limit
✅ Eligibility Criteria
To apply for this scheme, the applicant must:
- Be a woman resident of Gujarat
- Be 18 years or above
- Have passed at least 8th standard
- Possess a valid Aadhaar card
❌ Exclusions
- Government employees are not eligible
- Beneficiaries cannot avail similar benefits under another scheme for the same purpose
📝 Application Process (Offline / Online Assisted)
- Visit the official website of the scheme or GWEDC
- Download the application form or collect it from the nearest GWEDC office
- Fill in personal and business-related details carefully
- Attach all required documents
- Submit the completed application form to the designated office
📄 Required Documents
- Aadhaar Card
- Government-issued ID proof (Voter ID / PAN / Driving License)
- Address proof (Voter ID / Passport / Driving License)
- Educational certificate (minimum 8th pass)
- Detailed business plan (nature of business, investment, expected income)
- Bank account details for loan disbursement
- Recent passport-size photographs
🌼 Why This Scheme Matters
The Mukhyamantri Mahila Utkarsh Yojana plays a crucial role in empowering women, encouraging entrepreneurship, and strengthening the grassroots economy. By removing financial barriers and providing skill support, the scheme helps women transform their business ideas into sustainable livelihoods.