Indira Gandhi Shehri Credit Card Yojana
The Indira Gandhi Shehri Credit Card Yojana offers interest-free loans to small business operators in Rajasthan.
Key facts
| Benefit | Interest-free loan up to ₹50,000 |
|---|---|
| Who | Residents of Rajasthan aged 18-40 |
| Income limit | Monthly income ≤ ₹15,000 |
| Implemented by | Urban bodies in Rajasthan |
| Official portal | e-Mitra |
| Application window | Open all year through e-Mitra centre or online portal. |
Benefits
Beneficiaries receive an interest-free loan of up to ₹50,000 to support small businesses and self-employment initiatives, particularly in the informal sector.
Who can apply
- Age 18–40
- Household income ≤ ₹1,80,000/year
- For: street vendor, hair dresser, rickshaw-puller, potter, cobbler, mechanic, tailor, washerman, painter, plumber
- Resident of Rajasthan
- poor household
- no government employee in family
Applicants must be residents of Rajasthan aged between 18 and 40 years, with a monthly income not exceeding ₹15,000. Additionally, the family income should be ₹50,000 or less, and applicants should not have any government employees in their household.
How to apply
Applications can be submitted online through the e-Mitra centre or the official web portal of the scheme.
- Visit the e-Mitra centre or the official scheme web portal.
- Fill out the application form with required details.
- Attach necessary documents including ID proofs and income declarations.
- Submit the application for verification by the nodal officer.
- Wait for the verification process, which takes up to 7 working days.
Documents required
- Passport size photo
- Janadhar Card
- Aadhar card
- Documents related to current residence in Rajasthan
- Documents related to permanent residence in Rajasthan
- Bank account passbook
- Certificate for vendor
- Wedding ID card
- Recommendation letter issued by Municipal body
- Registration number registered at the District Employment Center
- Self-attested affidavit
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Application not processed | Ensure all required documents are submitted and check with the concerned nodal officer if there are any issues. |
| Loan amount not received | Verify the application status on the e-Mitra portal and confirm with the urban body office. |
Frequently asked questions
Who is eligible for this scheme?
Eligibility is limited to residents of Rajasthan aged 18 to 40 years, with specific income criteria.
What documents are required to apply?
Applicants need to provide a passport-sized photo, Janadhar Card, Aadhar card, residence documents, bank passbook, and other specified certificates.
What is the maximum loan amount available?
The scheme offers an interest-free loan of up to ₹50,000 to eligible applicants.
Can individuals from other states apply?
No, only residents of Rajasthan are eligible to apply for this scheme.
How long does the application verification take?
The verification process for applications typically takes up to 7 working days.
What types of businesses are supported under this scheme?
The scheme primarily supports small businesses in the informal sector, including street vendors and service providers.
Always confirm the latest details on the official portal before applying.
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