Mukhyamantri Mahila Utkarsh Yojana Gujarat 2026: Interest-Free Rs. 1 Lakh Loan for Women SHGs

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Form a Joint Liability Group (JLG) or Self-Help Group (SHG). The group must have regular savings and meeting records.", "url": "https://www.sarkarirojgarkendra.com/mukhyamantri-mahila-utkarsh-yojana-gujarat-interest-free-loan-women/#step1" }, { "@type": "HowToStep", "position": 2, "name": "Register the SHG with GULM or GLPC", "text": "Urban areas: Register with Gujarat Urban Livelihood Mission (GULM) through municipal ward office. Rural areas: Register with Gujarat Livelihood Promotion Company (GLPC) through taluka panchayat. You will receive SHG Registration Certificate.", "url": "https://www.sarkarirojgarkendra.com/mukhyamantri-mahila-utkarsh-yojana-gujarat-interest-free-loan-women/#step2" }, { "@type": "HowToStep", "position": 3, "name": "Open Joint Bank Account", "text": "Open a joint bank account in the name of the SHG. All group members should be signatories. 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Quick Overview

Scheme Name

Mukhyamantri Mahila Utkarsh Yojana

Launched By

Government of Gujarat

Benefit

Interest-Free Loan up to Rs. 1 Lakh per SHG Member

Target Beneficiaries

Women Self-Help Groups (SHGs)

Application Mode

Through GULM / GLPC

Current Status

Active

Interest Rate

0% for Borrower (Govt pays to bank)

Official Website

mmuy.gujarat.gov.in

What is Mukhyamantri Mahila Utkarsh Yojana?

Mukhyamantri Mahila Utkarsh Yojana (MMUY) is a flagship scheme launched by the Government of Gujarat in 2020. The scheme provides interest-free loans to women Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) for starting or expanding micro-enterprises.

This scheme is not for individual applicants. Only registered SHGs with a minimum of 10 women members can avail the loan. The loan is given to the group collectively, and the group receives a collective loan of up to Rs. 1,00,000 (which equates to Rs. 10,000 per member).

The scheme is implemented by the Gujarat Livelihood Promotion Company (GLPC) in rural areas and the Gujarat Urban Livelihood Mission (GULM) in urban areas. The Gujarat government pays the interest component directly to the banks on behalf of the SHG, making the loan effectively interest-free for women borrowers.

Benefits of Mukhyamantri Mahila Utkarsh Yojana

Registered SHGs receive the following benefits under MMUY:

Maximum Loan to Group	Rs. 1,00,000 (One Lakh) for the entire 10-member SHG
Per Member Share	Rs. 10,000 per SHG member
Interest Rate for Borrower	0% (Interest-Free)
How Interest Works	Banks charge normal interest. Gujarat Government pays the interest directly to the bank.
Repayment Period	Up to 3 Years (36 Months)
Collateral Security	Not Required

For a 10-member SHG, the maximum collective loan is Rs. 1 lakh. The monthly EMI for a Rs. 1 lakh loan over 36 months is approximately Rs. 2,778 total, which the 10 members contribute to jointly (approximately Rs. 278 per member per month). There is no penalty for early repayment.

If the SHG defaults on repayment, the interest subsidy is stopped and normal bank interest is charged. The group also becomes ineligible for future government scheme benefits.

Eligibility Criteria

The loan is available only to registered Women Self-Help Groups. Individual women cannot apply directly.

Applicant	Registered Women SHG / JLG (not individual)
Group Size	Minimum 10 women members
Residency	All members must be permanent residents of Gujarat
Age	18 years and above
SHG Registration	Must be registered with GULM (urban) or GLPC (rural)
SHG Activity	Group must be active for at least 6 months
Bank Account	SHG must have a joint bank account in the group name
Aadhaar	All members must have valid Aadhaar cards

Widowed, divorced, and deserted women are given priority under the scheme. Women from all castes, communities, and income groups are eligible. There is no income limit for applying.

Who Cannot Apply

• Individual women not part of a registered SHG
• Groups with fewer than 10 members
• SHGs not registered with GULM or GLPC
• SHGs that have not been active for at least 6 months
• Groups without a joint bank account
• Regular government employees at central, state, or local levels
• Applicants with existing NPAs (Non-Performing Assets) in any bank
• Groups already availing benefits from similar government loan schemes

Documents Required

The SHG must have these documents ready before applying:

• SHG Registration Certificate (from GULM or GLPC)
• Aadhaar Cards of all 10 members
• Joint Bank Account Passbook / Cancelled Cheque (in SHG name)
• Voter ID Cards of members (identity proof)
• Address proof of members (Ration Card / Voter ID)
• Business Plan / Project Report for the proposed activity
• Passport-size Photographs of all members
• Group resolution / minutes authorizing the loan application

How to Apply

Individual women cannot apply directly. The loan is routed through registered SHGs. Follow these steps:

Step 1: Form an SHG

Gather at least 10 women in your area who want to start or expand a business. Form a Joint Liability Group (JLG) or Self-Help Group (SHG). The group must have regular savings and meeting records.

Step 2: Register the SHG

• Urban areas: Register with the Gujarat Urban Livelihood Mission (GULM) through your nearest municipal ward office or GULM district office.
• Rural areas: Register with the Gujarat Livelihood Promotion Company (GLPC) through your taluka panchayat or GLPC district office.

After registration, you will receive the SHG Registration Certificate.

Step 3: Open a Joint Bank Account

Open a joint bank account in the name of the SHG. All group members should be signatories. This account will be used for loan disbursement and EMI repayment.

Step 4: Apply for the Loan

Once the SHG is registered and has a bank account, apply through:

• Online: Visit mmuy.gujarat.gov.in and fill the application form with group details, Aadhaar numbers, and bank account information.
• Offline: Visit the nearest GLPC (rural) or GULM (urban) district office with the SHG Registration Certificate, bank passbook, Aadhaar cards, and business plan.

Step 5: Verification and Disbursement

The district-level committee verifies the application. Once approved, the loan is disbursed to the SHG bank account within 30-45 days.

Important Details

Scheme Launch Year	2020
Application Status	Currently Active
Loan Disbursement Time	Within 30-45 days after approval
Repayment Start	After disbursement (EMI begins monthly)
Target Groups	1 Lakh SHGs across Gujarat
Target Women	10 Lakh women members
Total Budget	Rs. 168 Crore
Credit Guarantee Fund	Rs. 500 Crore

How to Check Application Status

You can track your MMUY application status online:

1. Visit mmuy.gujarat.gov.in
2. Click on "Track Application" or "Check Status"
3. Enter your application reference number or Aadhaar number
4. Click "Search" to view your current status

You can also visit the nearest GLPC or GULM district office with your reference number for in-person status updates.

Important Links

Official MMUY Portal	mmuy.gujarat.gov.in
MyScheme Portal	myscheme.gov.in/schemes/mmuy
GWEDC Official Website	gwedc.gujarat.gov.in
Toll-Free Helpline	1800-233-5555 / 079-23250536
Email Support	gwedc-guj@gujarat.gov.in

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