Every Scheme. Every Citizen. Every Benefit.
Women & Child · Gujarat State Scheme

Mukhyamantri Mahila Utkarsh Yojana 2026 – Eligibility, Benefits & Apply Online

Mukhyamantri Mahila Utkarsh Yojana gives women in Gujarat an interest-free loan of up to ₹1 lakh to start or grow a business. No collateral is needed, and you get a 6% yearly subsidy if you repay on time.
Women Entrepreneurs Interest-Free Loan ₹1 Lakh 5-Year Repayment 6% Subsidy Gujarat
Apply on Official Portal View on myScheme.gov.in
₹1 Lakh
Loan Amount
0%
Interest Rate
5 Years
Repayment
6% p.a.
Subsidy
Written by · Last Updated: 16 June 2026 · Source: Gujarat Government / GWEDC

What is Mukhyamantri Mahila Utkarsh Yojana?

The Gujarat government started the Mukhyamantri Mahila Utkarsh Yojana in 2020 to help women become financially independent. Under this scheme, women can get an interest-free loan of up to ₹1 lakh to start a new business or grow an existing one.

No collateral is needed for the loan, and you get up to 5 years to repay it. Along with the loan, the scheme also offers free training to help women learn basic business and money management skills.

You can apply online or visit your nearest Gujarat Women's Economic Development Corporation (GWEDC) office. There is no processing fee and no income limit, so women from any financial background can apply.

Objectives of Mukhyamantri Mahila Utkarsh Yojana

  • Help more women start or grow their own business.
  • Give women loans without charging any interest.
  • Train women in basic business and money management skills.
  • Create job opportunities for women and support Gujarat's economy.

Features of Mukhyamantri Mahila Utkarsh Yojana

Interest-Free Loan
Loan up to ₹1 lakh at 0% interest, with no collateral needed.
Repayment Period
Up to 5 years to repay the loan, with no rush.
Training & Skill Dev.
Free training to build basic business and money skills.
6% Annual Subsidy
Extra 6% yearly subsidy if you repay the loan on time.
No Processing Fee
No fee charged at any stage of the loan application.
No Income Limit
Open to women from all income groups, with no ceiling.

Benefits of Mukhyamantri Mahila Utkarsh Yojana

  • Interest-Free Loan: Up to ₹1 lakh, no interest and no collateral, so starting a business costs less.
  • 6% Annual Subsidy: An extra 6% yearly subsidy for repaying on time, cutting your effective cost further.
  • No Processing Fee: Applying is free, with no hidden charges.
  • 5-Year Repayment: Enough time to settle the loan without pressure.
  • Skill Training: Free training to build business and money skills.
  • More Jobs: Helps create work for women and supports Gujarat's economy.
  • Financial Independence: Helps women earn and manage their own money.
  • No Income Limit: Women from any income group can apply.

Eligibility Criteria for Mukhyamantri Mahila Utkarsh Yojana

You must meet all of these conditions to apply:

Gender
Must be a woman
Domicile
Must be a permanent resident of Gujarat
Age Limit
18 years or older
Education
Must have passed Class 8
Identity
Must hold a valid Aadhaar card
Government employees cannot apply for this scheme. You also cannot take benefits from this scheme and another similar scheme at the same time.

How to Apply for Mukhyamantri Mahila Utkarsh Yojana

You can apply online or in person at your nearest GWEDC office.

1

Visit the Official Website

Go to the official MMUY portal, or visit your nearest GWEDC office to get the application form in person.

2

Download the Application Form

Download the form from the website, or collect a printed copy from the GWEDC office.

3

Fill in All Required Details

Fill the form carefully with your personal and business details. Match every entry with your supporting documents.

4

Attach Required Documents

Attach all listed documents — ID proof, address proof, education certificate, business plan, bank details, and photos.

5

Submit the Application

Submit the form with all attachments online, or hand it in at the nearest GWEDC office. Keep a copy for your own records.

No application fee: Applying is completely free, with no charge at any step.

Documents Required for Mukhyamantri Mahila Utkarsh Yojana

  • 1Valid Aadhaar card of the applicant.
  • 2Any government ID proof — Voter ID, Driving Licence, or PAN Card.
  • 3Any government address proof — Voter ID, Driving Licence, or Passport.
  • 4Class 8 pass certificate.
  • 5A business plan, with the type of business, investment needed, and expected income.
  • 6Bank account details for loan disbursement.
  • 7Recent passport-size photographs of the applicant.

Exclusions of Mukhyamantri Mahila Utkarsh Yojana

These applicants cannot apply for this scheme:

Government employees
Women already getting benefits from a similar scheme for the same purpose
You cannot take this loan and a similar loan from another scheme at the same time.

Mukhyamantri Mahila Utkarsh Yojana FAQs

What is Mukhyamantri Mahila Utkarsh Yojana?
It is a Gujarat government scheme that gives women entrepreneurs an interest-free loan of up to ₹1 lakh to start or grow a business. It also includes free skill training and a 6% yearly subsidy for repaying on time.
What is the loan amount under the scheme?
Up to ₹1,00,000 (₹1 lakh) as an interest-free loan, with no collateral needed.
Is there any interest charged on the loan?
No. The loan is completely interest-free. The government also adds a 6% yearly subsidy if you repay on time.
How long do I have to repay the loan?
You get up to 5 years to repay the loan.
Who is eligible to apply?
Women who are permanent residents of Gujarat, aged 18 or above, have passed Class 8, and hold a valid Aadhaar card.
Can government employees apply?
No. Government employees cannot apply for this scheme.
Is there any income limit to apply?
No. Women from any income group can apply for this scheme.
Is any collateral required for the loan?
No. The loan is given without any collateral or security.
Is there any processing fee?
No. The scheme does not charge any fee for applying or for processing the loan.
How do I apply for this scheme?
Visit the official scheme website or your nearest GWEDC office. Fill the application form, attach the required documents, and submit it online or in person.
What documents are required?
Aadhaar card, a government ID proof, address proof, Class 8 pass certificate, a business plan, bank account details, and passport-size photos.

Ready to apply for the ₹1 Lakh interest-free loan?

No collateral, no processing fee — apply now on the official Gujarat government portal.

Apply on Official Portal View on myScheme.gov.in

Other Schemes You May Like

UGC Research Grant for Faculty Education
UGC's research funding scheme for regularly appointed university and college faculty members, paid over a 2-year tenure.
Benefit: ₹10 lakh grant · 2-year tenure · 200 slots
Skill Loan Scheme Skill Dev.
Collateral-free loan of ₹5,000 to ₹1,50,000 for students joining ITI, polytechnic, or any NSDC-approved training course.
Benefit: ₹5,000 – ₹1,50,000 loan at base rate + up to 1.5%

Information on this page is based on official guidelines published by the Government of Gujarat and myscheme.gov.in. Scheme terms, deadlines, and benefit amounts can change — always confirm the latest details on the official Gujarat government portal or the nearest GWEDC office before applying. JanLaabh.in is not affiliated with the Gujarat government or any government body.