Matru Shakti Utprerak Yojana Gujarat 2026 — Self Help Group (SHG) ની મહિલાઓ માટે ₹1 લાખ સુધીની soft loan અને training. ₹10,000 ₹ revolving fund. Online apply.
गुजरात मातृ शक्ति योजना में SHG (महिला स्व-सहायता समूह) को ₹1 लाख तक का सॉफ्ट लोन और व्यावसायिक प्रशिक्षण मिलता है।
📢 Latest Update — June 2026:
The Matru Shakti Utprerak Yojana continues to support rural and semi-urban women's Self Help Groups (SHGs) across Gujarat with a revolving fund, a low-interest soft loan and vocational training. Applications are processed through the e-Gram Vishwa platform and the local Gram Panchayat on a rolling basis. For the current notification, sanction limits and the list of empanelled training centres, always confirm details on the official portal before you apply.
⚡ Key Facts at a Glance
Matru Shakti Utprerak Yojana — Introduction
The Matru Shakti Utprerak Yojana is a Gujarat Government initiative that strengthens women's Self Help Groups (SHGs) in rural and semi-urban areas. Instead of one-time charity, it gives an SHG the working capital and skills to start or grow a small enterprise: a ₹10,000 revolving fund per group, a soft loan of up to ₹1,00,000 at 3% interest, and 15 days of vocational training delivered through RSETI (Rural Self Employment Training Institutes). Marketing support — exhibitions and e-commerce linkages — helps groups actually sell what they produce.
The scheme is implemented through the District Rural Development Agency (DRDA) and the Gujarat Livelihood Promotion Company (GLPC), with funds reaching the group's bank account by Direct Benefit Transfer (DBT). You can see how it fits into Gujarat's wider welfare framework on the Matru Shakti Yojana scheme page.
Example: Suppose ten women in a village form an SHG, register it, and run it for six months — pooling small monthly savings and keeping clean records. Once eligible, the group can receive the ₹10,000 revolving fund to cover day-to-day needs, then apply for the soft loan to buy raw material for, say, a papad or tailoring unit, while members complete the 15-day RSETI training. The loan is repaid over 3 years in equal monthly installments.
Who is Eligible — Complete Criteria 2026
- ✅ The group must be a registered rural or semi-urban Self Help Group (SHG).
- ✅ The SHG must be active for at least 6 months with regular meetings and savings.
- ✅ Members should belong to BPL / OBC / SC / ST categories.
- ✅ The SHG must have a bank account linked with Aadhaar to receive DBT.
- ❌ Urban SHGs are not covered — this scheme targets rural and semi-urban groups only.
- ❌ Newly formed groups that have not completed the minimum active period are not yet eligible.
- ❌ Groups without proper registration or a verifiable savings record cannot apply.
How to Apply — Step-by-Step 2026
- Register the SHG: Register your Self Help Group on the e-Gram Vishwa portal with member details, the savings record and the Aadhaar-linked group bank account.
- Gram Panchayat verification: The local Gram Panchayat verifies that the group is genuine, active for the required period and that members meet the category criteria.
- DRDA / GLPC approval: The application moves to the District Rural Development Agency (DRDA) and the Gujarat Livelihood Promotion Company (GLPC) for approval and loan sanction.
- Fund transfer via DBT: Once approved, the revolving fund and soft loan amount are transferred directly to the SHG's bank account through DBT.
- Complete the training: Members attend the 15-day vocational training through RSETI to build the skills needed to run the enterprise.
Documents Required
| Document | Purpose |
|---|---|
| SHG registration certificate | Proves the group is a registered SHG |
| List of members with Aadhaar | Confirms membership and identity |
| SHG bank account (Aadhaar-linked) passbook | Required for DBT fund transfer |
| Savings / meeting records (6 months) | Shows the group has been active |
| Category proof (BPL / OBC / SC / ST) | Establishes member eligibility |
| Enterprise / activity plan | Supports the loan request |
Always confirm the exact, current document checklist on the official portal or with your Gram Panchayat, as requirements can be updated by notification.
Myth vs Reality
| Myth | Reality |
|---|---|
| It is a free cash grant. | The ₹1,00,000 is a soft loan at 3% interest, repaid over 3 years; only the ₹10,000 is a revolving fund. |
| Individual women can apply. | Benefits are sanctioned to the SHG as a group, not to individuals. |
| Urban groups can also join. | Only rural and semi-urban SHGs are covered. |
| A brand-new group can get the loan immediately. | The SHG must be active for at least 6 months first. |
| Training is optional and skippable. | The 15-day RSETI vocational training is a core part of the scheme. |
Important Dates & Deadlines 2026
- 🗓️ Applications: Year-round / no fixed last date — registration and verification happen on a rolling basis through e-Gram Vishwa and the Gram Panchayat.
- 🗓️ Minimum group age: The SHG must have completed at least 6 months of active operation before applying.
- 🗓️ Loan repayment: Soft loan is repaid over 3 years in equal monthly installments.
- 🗓️ Training schedule: The 15-day RSETI training is held as per each centre's calendar — check the official portal or your DRDA/GLPC office for dates.
Frequently Asked Questions
Q: Our SHG's fund has not been received yet — what should we do?
First check that the SHG's bank account is correctly Aadhaar-linked, since funds are released by DBT. If the application is approved but the transfer is delayed, follow up with your Gram Panchayat and the DRDA/GLPC office handling the sanction, and confirm the status on the official portal.
Q: How do we check our application status?
Track the application through the e-Gram Vishwa platform where the SHG was registered. The Gram Panchayat and DRDA/GLPC office can also confirm at which stage — verification, approval or sanction — your file currently is.
Q: Our application was rejected — can we reapply?
Yes. Find out the reason for rejection from the Gram Panchayat or DRDA/GLPC — common issues are incomplete registration, less than 6 months of activity, or missing savings records. Fix the gap and reapply once the group meets all criteria.
Q: The sanctioned amount seems wrong — who do we ask?
The revolving fund is ₹10,000 per SHG and the soft loan is up to ₹1,00,000 at 3% interest. If your sanction differs, ask the DRDA/GLPC office for a breakdown and verify the figures against the official notification on the portal.
Q: Why is the Aadhaar-linked bank account so important?
Because the benefit is paid through DBT, the SHG's group bank account must be active and Aadhaar-linked. If the linkage is missing or the account details are wrong, the transfer can fail or be delayed.
Q: We are a new group — when can we apply?
You must wait until your SHG has been active for at least 6 months, with regular meetings and a savings record. Use that period to register the group, open the Aadhaar-linked account and plan your enterprise so you are ready when you become eligible.
Q: Can urban Self Help Groups get this benefit?
No. The Matru Shakti Utprerak Yojana is for rural and semi-urban SHGs only. Urban groups should look at SHG-linkage programmes under other central or state initiatives, such as the schemes listed on our central schemes page.
Q: How do we file a complaint if something goes wrong?
Start with your Gram Panchayat and the district DRDA/GLPC office. If the issue is unresolved, you can register a grievance on the national public grievance portal at pgportal.gov.in.
Helpline Numbers & Grievance Portal
- 📞 Helpline: Check the official portal / latest notification for the current scheme helpline number.
- 🏢 Local offices: Your Gram Panchayat and the district DRDA / GLPC office handle registration, verification and sanction queries.
- 🌐 Grievance portal: File unresolved complaints at pgportal.gov.in.
- 🔗 More schemes: Explore other women-focused programmes on our scheme guides.
📋 संक्षिप्त जानकारी (हिंदी में)
गुजरात की मातृ शक्ति उत्प्रेरक योजना ग्रामीण और अर्ध-शहरी महिला स्व-सहायता समूहों (SHG) के लिए है। इसमें हर SHG को ₹10,000 का रिवॉल्विंग फंड, ₹1 लाख तक का सॉफ्ट लोन (3% ब्याज पर) और RSETI के माध्यम से 15 दिन का व्यावसायिक प्रशिक्षण मिलता है। पात्रता के लिए SHG कम से कम 6 महीने से सक्रिय और पंजीकृत होना चाहिए, सदस्य BPL/OBC/SC/ST श्रेणी से हों और समूह का बैंक खाता आधार से जुड़ा हो। आवेदन e-Gram Vishwa पोर्टल पर पंजीकरण के बाद ग्राम पंचायत की जाँच और DRDA/GLPC की मंज़ूरी से होता है, और राशि DBT के ज़रिए भेजी जाती है। सॉफ्ट लोन 3 साल में समान मासिक किस्तों में चुकाना होता है। शहरी SHG इस योजना के अंतर्गत नहीं आते। ताज़ा जानकारी और हेल्पलाइन के लिए आधिकारिक पोर्टल अवश्य देखें।
🇮🇳 हिंदी में पढ़ें (Read in Hindi)
मातृ शक्ति योजना गुजरात — हिंदी जानकारी
गुजरात में ग्रामीण महिला स्व-सहायता समूहों (SHG) को ₹10,000 रिवॉल्विंग फंड और ₹1 लाख तक का 3% ब्याज पर ऋण मिलता है। साथ में व्यावसायिक प्रशिक्षण और मार्केटिंग सहायता भी।
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