The Aatmanirbhar Gujarat Scheme for MSMEs, launched by the Industries and Mines Department, Government of Gujarat, is aimed at strengthening the state’s MSME ecosystem. This scheme promotes self-reliance, economic growth, and employment generation by providing financial incentives to new enterprises.
This component focuses on interest subsidies for micro, small, and medium service sector enterprises. It is effective from October 5, 2022, to October 4, 2027.
Benefits
| Area Category | Subsidy Rate | Maximum Limit per Annum | Duration |
|---|---|---|---|
| Category 1 | 7% | ₹35,00,000 | 7 Years |
| Category 2 | 6% | ₹30,00,000 | 6 Years |
| Category 3 & Municipal Areas | 5% | ₹25,00,000 | 5 Years |
Note: The subsidy applies to term loans taken for new machinery, equipment, and furniture/fixtures (excluding land and building).
Eligibility Criteria
• Must be a Micro, Small, or Medium Service Sector Enterprise
• Registered with Udyog Aadhaar / Udyam or DPIIT
• Only new enterprises are eligible
• Must apply within 1 year of: - First loan disbursement
- Commencement of services
- GR issue date (whichever is later)
• Must not default on loan repayments
• Must not seek reimbursement for penal interest or other charges
Exclusions
• Enterprises that already availed incentives under another state scheme for the same project
• Term loans sanctioned more than 1 year after starting operations
• Enterprises in default will lose subsidy for the default period
Application Process
Step-by-Step Guide (Online)
-
Registration
• Visit Investor Facilitation Portal (IFP)
• Click New Investor Registration
• Fill the form and verify via email -
Application Submission
• Login using your credentials
• Fill out the application form and upload all required documents
• Submit the application before the scheme’s operative end date
Documents Required
• Signed printout of the application with declaration and undertaking
• Udyog Aadhaar / Udyam Registration certificate
• Term loan sanction letter
• Term loan disbursement proof or bank statement
• Enterprise constitution documents (e.g., partnership deed)
• Detailed Project Report (DPR) or bank appraisal (if project > ₹5 Cr)
• Shop & Establishment Certificate (for urban service sector units)
• GST Certificate, PAN card
• Last financial year’s ITR (or self-declaration for new units)
• Age proof (for youth entrepreneur incentives)
• Caste certificate / disability certificate (if applicable)
• GPCB certificate (if applicable)
• Land ownership/rental documents
• Property tax receipt (for service activities)
• Board resolution for partnerships, LLPs, and companies
• CA certificate for GFCI before expansion
• Annexure with balance sheet showing prior GFCI
Additional Subsidies
• +1% Interest Subsidy for: - Differently-abled entrepreneurs
- Women entrepreneurs
- Registered startups
• +1% Interest Subsidy for: - Youth entrepreneurs below 35 years of age
Minimum interest payable by enterprise: 1%
Frequently Asked Questions (FAQs)
Q: Who is eligible under this scheme?
Any new MSME in the service sector, registered and operating in Gujarat.
Q: Can startups get additional interest subsidy?
Yes, registered startups are eligible for an extra 1% subsidy.
Q: Are manufacturing enterprises eligible?
No, this component is only for service sector MSMEs.
Q: Can both Central and State interest subsidies be availed?
Yes, subject to policy compliance.
Q: What if the enterprise defaults on the loan?
Subsidy will not be paid for the period of default.
Q: What is the last date to apply?
Applications must be submitted before October 4, 2027, or within 1 year of loan disbursement/start of operations/GR issue date.