The Vahan Loan Sahay Yojana is a vehicle loan assistance program under the Self-Employment Scheme launched by the Social Justice and Empowerment Department, Government of Gujarat. This scheme aims to empower individuals from the unreserved category by providing financial assistance for the purchase of vehicles for self-employment purposes.
It is implemented by the Gujarat Unreserved Education and Economical Development Corporation (GUEEDC) and provides on-road cost financing for vehicles such as rickshaws, loading rickshaws, Maruti cars, jeep taxis, and other commercial transport options.
Key Benefits of the VLS Scheme
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Financial Assistance: Covers the on-road unit cost of the vehicle (two-wheeler or four-wheeler) required for self-employment.
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Interest Rate:
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5% per annum (simple interest)
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4% per annum for women applicants
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Loan Tenure: Repayable in equal monthly installments (EMIs) over 5 years
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Vehicle Ownership: The vehicle must be hypothecated (mortgaged) to the corporation until full repayment.
Who is Eligible to Get a Loan
Applicants must fulfill the following conditions to apply;
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Must be a resident of Gujarat
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Must belong to the unreserved category
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Age should be between 18 and 50 years
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Must have a valid driving license
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The applicant’s annual family income must not exceed ₹6,00,000
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Willing to repay the loan in EMIs over 5 years
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Only one member per family is eligible
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Only 5 beneficiaries per village will be selected
Types of Vehicles Covered
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Passenger Rickshaws
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Loading Rickshaws
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Maruti Cars
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Jeep Taxis
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Other approved commercial vehicles
How to Apply Online – Step-by-Step Process
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Visit the official GUEEDC website.
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Navigate to the “Self-Employment Scheme” section and click on “Vahan Loan Sahay Yojana”.
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Click on “Apply Now”.
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Select “New User? Please Register Here” and fill in the required details.
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Click Register to complete the process.
Application Process
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Log in using your User ID, Password, and Captcha Code.
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Read the scheme details and click OK.
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Confirm or update your permanent address.
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Click Save & Next, then upload the required documents.
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If corrections are needed, click “No, Cancel”. If all is correct, click “Yes, Submit”.
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Save the application and note your Application Number.
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Click Print Application to download a copy.
Post-Application Steps
After online submission;
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Print your application, sign it, and attach all uploaded documents.
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Submit the physical copy by post, courier, or in person to the:
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Concerned Deputy Director (Non-Reserved Category)
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Or the District Social Welfare Officer
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Essential Documents
Ensure the following documents are ready before applying;
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Filled application form (self-employment format)
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Aadhaar Card (proof of identity)
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Proof of residence
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Income certificate
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Bank passbook and statement
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Copy of L.C. (Leaving Certificate)
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Driving license
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Educational qualifications
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Non-deposit certificate
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Business proposal
Frequently Asked Questions (FAQs)
Q: Who is eligible for the Vahan Loan Sahay Yojana?
A: Residents of Gujarat, aged 18–50, from the unreserved category with an annual family income below ₹6,00,000 and a valid driving license.
Q: What types of vehicles are covered?
A: Rickshaws, loading rickshaws, Maruti cars, jeep taxis, and other transport vehicles for business use.
Q: Can more than one family member apply?
A: No, only one person per family can benefit from the scheme.
Q: Is there any preference for women?
A: Yes, women receive loans at a lower interest rate of 4% p.a.
Q: What is the loan repayment period?
A: The loan is repayable in EMIs over 5 years.
Q: How will I know if I’m selected?
A: You will be notified by the authorities through SMS or official communication.
Q: Is vehicle hypothecation mandatory?
A: Yes, the vehicle must be mortgaged to the corporation until the loan is fully repaid.
Q: What happens if I don’t submit physical documents on time?
A: Your application may be rejected or delayed. It’s mandatory to submit signed documents after online submission.
