Mahila Utkarsh Yojana — Quick Overview
| Scheme Name | Mukhyamantri Mahila Utkarsh Yojana Gujarat 2025 |
| 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 |
| Official Portal | https://mmuy.gujarat.gov.in |
What is Mahila Utkarsh Yojana?
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.
Under this scheme, eligible beneficiaries receive Interest-free Rs.1 lakh loan to each women SHG member. The scheme was launched in 2020 and is implemented by the Government of Gujarat.
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.
Benefits of Mahila Utkarsh Yojana
✅ Interest-free Rs.1 lakh loan to each women SHG member
Who is Eligible for Mahila Utkarsh Yojana?
- ✓ Gujarat resident woman
- ✓ SHG with minimum 10 members
- ✓ Urban or rural area
- ✓ Not currently a defaulter
Documents Required for Mahila Utkarsh Yojana
How to Apply for Mahila Utkarsh Yojana Online?
- 1Visit the official portal: https://mmuy.gujarat.gov.in
- 2Register using your Aadhaar-linked mobile number and verify OTP
- 3Fill in the application form with personal and bank details
- 4Upload required documents
- 5Submit the application and note down the reference number
- 6Track application status on the official portal
Official Government Portal — Gujarat
Apply directly on the official Gujarat government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply at mmuy.gujarat.gov.inReal-Life Examples — Are You Eligible for Mahila Utkarsh Yojana?
Find the profile closest to your situation to quickly check whether you qualify:
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
Examples are illustrative — always confirm against the official eligibility criteria before applying.
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.
Frequently Asked Questions — Mahila Utkarsh Yojana
📰 Latest News & Updates — Mahila Utkarsh Yojana
More Gujarat Government Schemes
Kisan Suryoday Yojana Gujarat 2025 — Daytime Electricity
✅ Daytime 3-phase electricity for irrigation from 5 AM to 9 PM
NAMO સરસ્વતી વિજ્ઞાન સાધના યોજના ગુજરાત 2026 — ₹10,000 Science Girls
✅ ₹10,000 financial assistance for girl students opting Science in Class 11
મુખ્યમંત્રી માતૃ શક્તિ યોજના ગુજરાત 2026 — ગર્ભવતી મહિલાઓને પોષણ કિટ
✅ Free nutrition kit worth ₹2,000 (dal, chana, oil, jaggery) per pregnancy — 2 pregnancies
Chiranjeevi Yojana Gujarat 2026 — ₹10 Lakh Free Health Insurance BPL + All Women | chiranjeevi.gujarat.gov.in
✅ ₹10 lakh annual cashless health insurance — 1,576+ surgical packages covered
iKhedut Portal Gujarat 2026 — ₹1 Lakh+ Subsidy on Farm Equipment & Irrigation | ikhedut.gujarat.gov.in
✅ 25-50% subsidy on tractor, drip/sprinkler irrigation, solar pump, seeds, and 60+ farm schemes
Mukhyamantri Kisan Sahay Yojana Gujarat 2026 — ₹20,000/Hectare Crop Loss Compensation | ikhedut.gujarat.gov.in
✅ ₹20,000/hectare (33-60% crop loss) or ₹25,000/hectare (60%+ loss) — max 4 hectares, no premium
Mukhyamantri Amrutam (MA) Yojana Gujarat 2026 — Free Health Insurance ₹5 Lakh for BPL Families | ma.gujarat.gov.in
✅ Free cashless treatment up to ₹5 lakh per family per year — major illnesses, surgeries, government + empanelled private hospitals
Mukhyamantri Yuva Swavalamban Yojana Gujarat 2026 — Fee Waiver ₹2 Lakh for EWS Students | mysy.guj.nic.in
✅ Fee waiver up to ₹2 lakh/year + ₹1,200/month hostel allowance + ₹500/month exam fee — EWS students in professional courses
Namo Laxmi Yojana Gujarat 2026 — ₹50,000 Scholarship for Class 9-12 Girl Students | namo-laxmi.gujarat.gov.in
✅ ₹50,000 total over 4 years — ₹10,000/year (Class 9-10) + ₹15,000/year (Class 11-12) — girl students in government schools
NAMO E-Tablet Yojana Gujarat 2026 — ₹1,000 માં Tablet | ગ્રેજ્યુએટ સ્ટુડન્ટ્સ | 20 Lakh Students
✅ Subsidised tablet at just ₹1,000 (market value ₹8,000-12,000) for first-year college students
Gujarat Vahli Dikri Yojana 2026 — ₹1.10 Lakh for Girl Child in 3 Stages | emahilakalyan.gujarat.gov.in
✅ ₹1.10 lakh total — ₹4,000 (Class 1) + ₹6,000 (Class 9) + ₹1,00,000 (age 18) — for Gujarat girl children
Gujarat Mukhyamantri Yuva Swavalamban Yojana (MYSY) 2026 — Education Loan & Scholarship | mysy.gujarat.gov.in
✅ Tuition + hostel + books for higher/professional education + self-employment loans up to ₹6 lakh — Gujarat students
Digital Gujarat Scholarship 2026 — Pre/Post-Matric for SC/ST/OBC/NTDNT/Minorities | digitalgujarat.gov.in
✅ Single portal for 25+ Gujarat scholarships — Pre/Post-Matric, Hostel Aid, Food Bill, Foreign Study Loan ₹15L, Vidya Sahay
Manav Garima Yojana Gujarat 2026 — ₹4,000 Toolkit + Self-Employment for SC | esamajkalyan.gujarat.gov.in
✅ FREE toolkit worth ₹4,000 for SC families — 28 trades (tailoring, beauty, mobile repair, cobbler, snacks etc.)
Gujarat SC/ST Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month Maintenance | esamajkalyan.gujarat.gov.in
✅ Full tuition + ₹550–₹1,200/month maintenance — Gujarat SC/ST students Class 11 to professional courses
Gujarat OBC/SEBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,000/Month | esamajkalyan.gujarat.gov.in
✅ Full tuition + ₹500–₹1,000/month maintenance — Gujarat OBC/SEBC students Class 11 to professional
Gujarat Kuvarbainu Mameru 2026 — ₹10,000 Marriage Gift for Tribal/ST Girls | esamajkalyan.gujarat.gov.in
✅ ₹10,000 in household articles/cash as marriage gift — ST tribal girls from poor families
Gujarat BOCW Welfare Board 2026 — ₹2 Lakh Insurance + Pension for Construction Workers | bocwwb.gujarat.gov.in
✅ ₹2 lakh accident insurance + ₹1,000/month pension (60+) + education + maternity — Gujarat construction workers
Gujarat Viklang Divyang Sahay 2026 — ₹1,200/Month Pension + Free Aids for Disabled | esamajkalyan.gujarat.gov.in
✅ ₹600–₹1,200/month disability pension + free aids/appliances — Gujarat disabled persons (40%+ disability)
Gujarat Widow Pension Nari Gaurav Nidhi 2026 — ₹1,250/Month for Widows | esamajkalyan.gujarat.gov.in
✅ ₹1,250/month widow pension — Gujarat widows with annual income ≤ ₹1.50 lakh
Gujarat iKhedut Portal 2026 — 50-75% Subsidy Seeds, Drip Irrigation, Farm Machinery | ikhedut.gujarat.gov.in
✅ 50-75% subsidy on seeds/drip irrigation/farm machinery/polyhouse — all Gujarat farmers via iKhedut portal
Gujarat MGNREGA Job Card 2026 — 100 Days Guaranteed Work ₹272/Day | nrega.nic.in
✅ 100 days guaranteed employment at ₹272/day — all rural households in Gujarat — payment in 15 days via DBT
Gujarat Mukhyamantri Gruh Yojana 2026 — Affordable Housing EWS/LIG with ₹2.67 Lakh Subsidy | gujrera.gujarat.gov.in
✅ ₹2.67 lakh (EWS) / ₹2.35 lakh (LIG) housing loan subsidy + affordable flat allotment — urban Gujarat families
Gujarat Antyodaya Anna Yojana 2026 — 35 kg Food Grain/Month at ₹1-2/kg for BPL | digitalgujarat.gov.in
✅ 35 kg grains/month at ₹1-2/kg (AAY) OR free 5 kg/person/month (PHH) — Gujarat BPL ration card holders
Gujarat Pandit Dindayal Awas Yojana 2026 — Free House for SC/ST BPL Families | esamajkalyan.gujarat.gov.in
✅ Free house construction assistance ₹1.50 lakh (₹1.20L central + ₹0.30L state) — rural Gujarat SC/ST BPL homeless families
Gujarat Swarna Jayanti Shahari Rozgar Yojana 2026 — Urban Self-Employment & Wage Jobs for BPL | sje.gujarat.gov.in
✅ ₹2 lakh micro-enterprise loan (25% subsidy max ₹50,000) + free skill training + urban wage employment — BPL urban Gujarat families