The Shri Vajpayee Bankable Yojana 2026 is a Gujarat Government self-employment scheme designed to help unemployed people, artisans and aspiring entrepreneurs start or expand a business in the industry, service and business sectors. Under the latest policy changes, the maximum bank loan limit has been increased from ₹8 lakh to ₹25 lakh, while the maximum government subsidy has been increased from ₹1.25 lakh to ₹3.75 lakh.
Shri Vajpayee Bankable Yojana 2026 – Overview
| Particular | Details Shri Vajpayee Bankable Yojana |
| Scheme Name | Shri Vajpayee Bankable Yojana |
| State | Gujarat |
| Scheme Type | Self-Employment / Business Loan Subsidy |
| Maximum Loan | Up to ₹25 lakh |
| Maximum Subsidy | Up to ₹3.75 lakh |
| Eligible Age | 18 to 65 years |
| Minimum Qualification | Standard 4 pass, or prescribed training/experience |
| Income Limit | No income limit |
| Sectors | Industry, Service & Business |
| Application Mode | Online |
| Implementing Agency | Commissioner of Cottage & Rural Industries / concerned authorities |
| Loan Provider | Eligible banks |
The ₹25 lakh loan and ₹3.75 lakh maximum subsidy are the updated limits under Gujarat’s revised cottage and rural industries policy.
What Is Shri Vajpayee Bankable Yojana?
The Shri Vajpayee Bankable Yojana is intended to create self-employment opportunities in Gujarat, particularly for unemployed persons and traditional artisans. Applicants can obtain bank finance for eligible projects in industry, services or business, with a portion of the eligible loan amount supported through government subsidy.
The scheme also covers eligible women, SC/ST applicants, ex-servicemen and persons who are blind or have 40% or more disability, subject to the applicable conditions.
Shri Vajpayee Bankable Yojana Latest Loan Limit in 2026
One of the biggest changes to the scheme is the increase in the maximum loan amount.
Previously, the maximum loan limit was ₹8 lakh. Under the revised policy, it has been increased to:
Maximum Loan: ₹25,00,000
The revised policy also increased the maximum subsidy from ₹1.25 lakh to:
Maximum Subsidy: ₹3,75,000
This means eligible applicants planning a larger business project can seek substantially higher bank finance than under the earlier version of the scheme.
Subsidy Percentage Under Shri Vajpayee Bankable Yojana
The subsidy rate depends on the applicant’s category and whether the project is located in a rural or urban area.
| Area | General Category | SC/ST/Women/Ex-Servicemen/Eligible Disabled |
| Rural Area | 25% | 40% |
| Urban Area | 20% | 30% |
The maximum subsidy ceiling is ₹3.75 lakh.
Example
Suppose an eligible applicant has a project/loan amount of ₹10 lakh.
- Rural General category: 25% = ₹2.50 lakh, subject to the applicable subsidy ceiling and scheme rules.
- Urban General category: 20% = ₹2 lakh.
- Rural eligible special category: 40% = ₹4 lakh, but the maximum subsidy is capped at ₹3.75 lakh.
- Urban eligible special category: 30% = ₹3 lakh.
The actual subsidy is subject to project eligibility, bank sanction and the scheme’s applicable conditions.
Shri Vajpayee Bankable Yojana 2026 – Business List
The Shri Vajpayee Bankable Yojana (VBS) supports eligible self-employment projects in three major sectors: Industries, Services and Business. The current SLBC Gujarat scheme information confirms that the maximum bank loan is up to ₹25 lakh in each of these three sectors.
Shri Vajpayee Bankable Yojana Industries Sector
- Food processing unit
- Bakery and confectionery unit
- Flour mill
- Spice/grinding unit
- Papad and pickle manufacturing
- Namkeen manufacturing
- Dairy-related processing
- Furniture manufacturing
- Wooden articles manufacturing
- Garment manufacturing
- Tailoring and readymade garment unit
- Handicraft production
- Pottery and clay products
- Leather-related products
- Welding and fabrication workshop
- Engineering workshop
- Agricultural equipment manufacturing/repair
- Electrical equipment-related manufacturing
- Plastic-related eligible products
- Paper and stationery products
- Other approved cottage and small-scale industries
Shri Vajpayee Bankable Yojana Service Sector
- Computer service centre
- Cyber/citizen service centre
- Photocopy and printing centre
- Mobile repairing
- Electronic repairing
- Electrical repairing
- Motor vehicle repairing
- Two-wheeler repairing
- Automobile service centre
- Welding/fabrication service
- Beauty parlour
- Salon
- Tailoring service
- Laundry service
- Photography/videography
- Travel-related services
- Internet-related services
- Small workshop
- Furniture repair
- Home appliance repair
- Other approved service activities
Business / Trading Sector
- Grocery/provision store
- Stationery shop
- Garment shop
- Footwear shop
- Hardware shop
- Electrical goods shop
- Mobile/electronics shop
- Furniture showroom
- Household goods shop
- Agricultural equipment shop
- Spare-parts business
- Book shop
- Gift shop
- General retail business
- Other eligible trading activities
Who Can Apply?
Applicants generally need to satisfy the following conditions:
Gujarat Residency
The applicant should be a resident of Gujarat.
Age Limit
- The applicant should generally be between:
- 18 years and 65 years
Educational Qualification
The minimum qualification is generally Standard 4 pass.
- Relevant vocational training
- At least one year of experience in the proposed activity
- Relevant training from a government-recognised institute
- Traditional/hereditary artisanship
The exact training requirement should be checked against the current application guidelines before submitting the form.
No Income Limit
The scheme information specifies no income ceiling for general eligibility.
Business Experience/Training
Applicants should have appropriate training, experience or skills for the proposed business activity where required.
Who Gets Higher Subsidy?
Higher subsidy rates are available for certain categories, including:
- Women
- Scheduled Caste (SC)
- Scheduled Tribe (ST)
- Ex-servicemen
- Blind applicants
- Persons with 40% or more disability
For eligible applicants in these categories, the subsidy rate can be up to 40% in rural areas and 30% in urban areas, subject to the maximum subsidy limit.
Which Businesses Can Be Started?
The scheme covers eligible activities under three broad sectors:
Industry Sector
Examples may include eligible small manufacturing and production units such as:
- Food processing
- Small manufacturing units
- Furniture-related units
- Garment production
- Handicraft production
- Other eligible cottage industries
Service Sector
Possible eligible activities may include:
- Repair services
- Beauty and personal-care services
- Computer-related services
- Professional/service establishments
- Small workshops
- Other approved service businesses
PM Awas Yojana Apply Online 2026: Registration, Eligibility, Documents,Housing Subsidy Benefits
Shri Vajpayee Bankable Yojana Documents Required
Applicants should keep the following documents ready, as applicable:
- Aadhaar Card
- Passport-size photograph
- Address/residence proof
- Educational qualification certificate
- Caste certificate, if applicable
- Disability certificate, if applicable
- Training certificate
- Experience certificate
- Bank passbook/account details
- Project report
- Business/project-related documents
- Premises/shop-related documents, where required
- Other documents requested by the portal or bank
How to Apply Online for Vajpayee Bankable Yojana 2026
Shri Vajpayee Bankable Yojana The application process is generally completed through the Bankable Loan Portal (BLP).
Step 1: Visit the Official Portal
- Open the Gujarat Bankable Loan Portal:
- Bankable Loan Portal – Gujarat
Step 2: Registration
- Select the registration option and create your account using the required details.
You may need to provide information such as:
- Name
- Mobile number
- Password
- Captcha
- Other registration details
Step 3: Login
- After successful registration, log in to the portal using your registered credentials.
Step 4: Enter Applicant Details
Fill in your personal information carefully, including:
- Aadhaar details
- Address
- Category
- Educational qualification
- Bank details
- Other required personal information
Step 5: Enter Project Details
- Provide complete information about the proposed business/project.
This may include:
- Business name
- Business activity
- Project location
- Project cost
- Machinery/equipment requirement
- Working capital
- Loan requirement
- Training/experience details
Step 6: Upload Documents
- Upload the required supporting documents in the prescribed format.
Step 7: Submit the Application
- Review all information carefully before final submission.
- After submission, keep the application/reference number safely for future tracking.
How to Apply for Shri Vajpayee Bankable Yojana 2026 – Offline Application Process
Applicants looking for the Shri Vajpayee Bankable Yojana 2026 offline application process should note that the scheme has been shifted to the Bankable Loan Portal (BLP). According to Gujarat State Level Bankers’ Committee records, applications under the Vajpayee Bankable Yojana are sponsored through the online portal and physical movement of applications has been discontinued.\
Is Offline Application Available?
The scheme may still be described as having an offline form in some older sources. However, the latest SLBC information states that the Vajpayee Bankable Yojana is implemented through the State Bankable Scheme Portal, and no offline subsidy claim form is entertained from FY 2024–25 onward.
Therefore, applicants should not rely on an old offline form without first confirming with the concerned District Industries Centre (DIC).
What Should Applicants Do?
- Visit your nearest District Industries Centre (DIC) or the concerned Cottage & Rural Industries office.
- Ask the officials about the current VBY application procedure.
- Keep your Aadhaar Card, photograph, bank details, qualification/training certificates and proposed business/project documents ready.
- Complete the application through the Bankable Loan Portal as instructed by the department.
- After submission, keep your application number/reference details safely.
- The application is then processed and forwarded to the concerned bank for loan assessment.
Shri Vajpayee Bankable Yojana Official Online Portal
The official Bankable Loan Portal provides Citizen Registration, Citizen Login and Application Status facilities.
Frequently Asked Questions (FAQ) – Shri Vajpayee Bankable Yojana 2026
- What is Shri Vajpayee Bankable Yojana?
- Shri Vajpayee Bankable Yojana is a Gujarat Government self-employment scheme that provides financial assistance, bank loans, and subsidy support to eligible people for starting a new business, service, or industry activity.
- Who can apply for Shri Vajpayee Bankable Yojana?
- Unemployed youth, entrepreneurs, artisans, women, SC/ST applicants, ex-servicemen, and eligible disabled persons can apply for this scheme.
- What is the age limit for this scheme?
- The applicant’s age should be between 18 years to 65 years.
- Is there any income limit for applying?
- No, there is no annual income limit for applying under Shri Vajpayee Bankable Yojana.
- What is the minimum educational qualification required?
- The applicant should have passed at least Class 4 (Fourth Standard).