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UdyogSetu उद्योग सेतु • 2026
🏛️ Gujarat State Scheme Zero-Interest Micro Loan 2026 Active Scheme

Mukhyamantri Mahila Utkarsh Yojana (MMUY Gujarat)

मुख्यमंत्री महिला उत्कर्ष योजना (गुजरात)

Ministry / Dept: Women & Child Development and Rural Development, Govt of Gujarat • Agency: Urban Local Bodies (GULM) / Rural Livelihood Mission (GLPC) / Banks

Max Funding Limit ₹1,00,000 (₹1 Lakh per Joint Liability Earning Group)
Government Subsidy 0% Interest Rate (State Government pays entire bank interest directly)
Security / Collateral 100% Collateral-Free (Joint liability group guarantee)
Promoter Margin 0.0% Project Cost

📋 Scheme Objective & Overview

Provides completely interest-free loans of ₹1 Lakh to women Joint Liability and Earning Groups (JLEGs) of 10 women, with the Gujarat Govt footing the entire bank interest bill.

Eligible Sectors: Small BusinessHandicraftsCateringStitching & GarmentsRetailDairy

💰 Key Financial Benefits & Subsidy Details

  • ✓0% Interest rate: 100% of interest amount paid by Gujarat Government.
  • ✓Zero processing fee and zero stamp duty on loan documents.
  • ✓Empowers groups of 10 women to launch collective micro-businesses.
  • ✓Quick processing through GLPC and GULM nodal officers.

🎯 Who is Eligible? (Eligibility Criteria)

  • •Joint Liability and Earning Group (JLEG) comprising 10 women members.
  • •Permanent residents of Gujarat aged 18 to 60 years.
  • •Must be engaged in or planning an income-generating activity.

Age Requirement: 18 to 60 years.

Education Qualification: None

📑 Mandatory Documents Required Checklist

Scanned PDF / Copies
📄Aadhaar cards of all 10 group members
📄Group resolution & bank savings account passbook
📄Address proof in Gujarat

🚀 Step-by-Step Application Procedure

11. Form a group of 10 women and register with GLPC (Rural) or GULM (Urban).
22. Submit group application at the local Anganwadi, Gram Panchayat, or Nagar Palika office.
33. Bank verifies group savings discipline and disburses ₹1 Lakh interest-free loan.

❓ Frequently Asked Questions (Mukhyamantri Mahila Utkarsh Yojana (MMUY Gujarat))

What is the maximum loan limit under Mukhyamantri Mahila Utkarsh Yojana (MMUY Gujarat)?

Eligible applicants can avail up to ₹1,00,000 (₹1 Lakh per Joint Liability Earning Group) in financial assistance from authorized partner banks.

How much capital subsidy is provided?

The scheme provides 0% Interest Rate (State Government pays entire bank interest directly) credited directly to the loan bank account upon milestone verification.

Is collateral security or mortgage required?

100% Collateral-Free (Joint liability group guarantee).

Ready to apply for Mukhyamantri Mahila Utkarsh Yojana (MMUY Gujarat)?

Submit your online application through the official government portal.

Apply on Official Portal →

Toll-Free Helpline: 079-23253724

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