About this scheme for women
Gujarat government provides interest-free loans of Rs.1 lakh to women self-help groups (10 or more members) to help them start income-generating activities and achieve financial independence.
Support at a glance
| Scheme Name | Mukhyamantri Mahila Utkarsh Yojana Gujarat |
| State | Gujarat (गुजरात) |
| Launched By | Government of Gujarat |
| Launch Year | 2020 |
| Benefit | Interest-free Rs.1 lakh loan to each women SHG member |
| Category | Women |
| Last Verified | 5 September 2026 |
| Official Portal | https://mmuy.gujarat.gov.in |
મુખ્યમંત્રી મહિલા ઉત્કર્ષ યોજના ગુજરાત સ્વ-સહાય જૂથ (SHG) ની દરેક સભ્ય મહિલાને ₹1 લાખ સુધીની વ્યાજ-મુક્ત લોન આપે છે. SHG ધ્વારા ઉત્પાદક પ્રવૃત્તિ, નાનો ઉદ્યોગ કે વ્યવસાય શરૂ કરવા માટે આ ધિરાણ આપવામાં આવે છે. NABARD-આધારિત SHG ગ્રૂપ્સ બૅન્ક સ્તરે લોન અરજી કરી શકે છે.
📌 फायदा: SHG ની દરેક સભ્ય મહિલાને ₹1,00,000 સુધી 0% વ્યાજ દરે લોન | ₹500 કરોડ ની ક્રેડિટ ગ્યારંટી ફંડ
पात्रता:
ગુજરાત સ્વ-સહાય જૂથ (SHG) ની સભ્ય મહિલા, SHG ઓછામાં ઓછા 6 મહિના જૂનું હોવું જોઈએ, બૅન્ક ખાતું ફરજિયાત.
अर्ज कसा करावा:
GLPC અથવા DWCD જિલ્લા કાર્યાલયે SHG સભ્ય ફોર્મ ભરો, SHG પ્રતિ-આત્મ-સહાય-ગ્રૂપ ID સાથે નજીકની બૅન્ક/ગ્રામ-સ્તર ફેડરેશન સ્વ-ધ્વારા અરજી સુપરત કરો.
What women beneficiaries receive
✅ Interest-free Rs.1 lakh loan to each women SHG member
Which women qualify
- ✓ Gujarat resident woman
- ✓ SHG with minimum 10 members
- ✓ Urban or rural area
- ✓ Not currently a defaulter
Documents to keep ready
How to enrol
- 1Go to the scheme's official portal, mmuy.gujarat.gov.in
- 2Start a new registration with your mobile number and confirm the OTP
- 3Work through each section of the form, matching entries to your documents
- 4Attach the requested paperwork (Aadhaar Card, SHG registration certificate, Bank passbook)
- 5Verify the preview screen, submit, and write down the acknowledgement ID
- 6Return to the portal later to follow the verification stages
Official Government Portal — Gujarat
The single official window for this scheme is mmuy.gujarat.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗 Apply at mmuy.gujarat.gov.inReal-Life Examples — Are You Eligible for Mahila Utkarsh Yojana?
Which of these Mahila Utkarsh Yojana profiles sounds most like you?
Jayaben, a member of a 12-woman self-help group in rural Gujarat with a group bank account and no loan default
Eligible — her SHG has 10+ members and she is not a defaulter — the loan is routed through the group
Hetal, a member of a 10-woman SHG in urban Ahmedabad
Eligible — the scheme covers both urban and rural SHGs that meet the 10-member rule
Rekha, who wants the loan as an individual without joining an SHG
Not eligible — the interest-free loan is given through self-help groups, not to individuals
Nita, in a self-help group of only 6 members
Not eligible — the group must have at least 10 members
Pari, who has defaulted on an earlier loan
Not eligible — current defaulters are excluded
These scenarios are indicative; the official eligibility rules always take precedence.
Common Mistakes — Why Mahila Utkarsh Yojana Applications Get Rejected
- ✗Applying as an individual — the loan is routed through a registered 10+ member SHG, not to single applicants.
- ✗A group with fewer than 10 members.
- ✗Not having the SHG registration certificate and a group/member bank account ready.
- ✗An outstanding default on a previous loan by the applicant.
- ✗Mismatched Aadhaar/bank details that fail verification.
Insider Tips for Mahila Utkarsh Yojana
- →Form or join a 10+ member SHG and get it registered before applying — that is the gateway to the loan.
- →Keep the SHG registration certificate, members' Aadhaar and the group bank passbook together in one file.
- →Because the loan is interest-free, use it for genuine income-generating activity — that is its purpose and makes repayment easier.
- →Apply through GLPC, your district Women & Child Development (DWCD) office, or your village-level federation, which already work with SHGs.