Provide SHG Credit Cards and interest-free loans up to ₹1 lakh
Bharatiya Janata Party · Gujarat Legislative Assembly Election 2022
Last updated 15 Oct 2026
What does this status mean?
Meaningful delivery has occurred, but the stated commitment is incomplete.
Status describes delivery. Confidence describes how strong the available evidence is.
Original manifesto wording
“We will expand the scope of Mission Mangalam 2.0 by providing a corpus of ₹2,500 crore. Under this, we will: Distribute SHG Credit Cards, enabling SHGs to get interest-free loans of up to ₹1 lakh in the state.”
Our Assessment
GLPC describes bank cash-credit loans and a state interest subsidy that reduces eligible SHGs' effective interest to zero after regular repayment. SLBC minutes also document SHG credit work. This delivers the central financing benefit even if accessed without the promised card branding. The reviewed records do not establish issuance of SHG Credit Cards or complete access for the promised groups. Sanctioned bank limits are not automatically interest-free amounts received by every SHG.
The reasoning behind the verdict
Why this assessment?
Reviewed
01 · Delivery status
Why partially done?
Equivalent zero-interest support is documented, but card issuance and beneficiary-level delivery remain incomplete in public evidence.
02 · Strength of evidence
Why medium confidence?
Relevant delivery evidence exists, but complete scope, coverage or independent verification remains limited.
What would help us reassess?
The documents that could clarify delivery of this commitment.
- Credit-card issuance and active-use records
- Loan disbursements and interest reimbursement actually credited
- Eligibility, repayment conditions and coverage gaps
Status describes delivery. Confidence describes the evidence.
Read our methodology ↗Sources & Evidence
Governor's Gujarat Assembly address, 16 February 2026
GLPC financial inclusion: cash credit and effective zero-interest subsidy
SLBC Gujarat meeting minutes, 13 March 2025 — SHG credit and Sakhi Sahas
BJP Gujarat Assembly Election Manifesto 2022 — printed page 42
Promise Timeline
Evidence review: Equivalent zero-interest support is documented, but card issuance and beneficiary-level delivery remain incomplete in public evidence.
View sourceRelated Promises

Have evidence on this promise?
Help us track this promise by submitting news articles, government orders, or any other evidence you've found.
Submit Evidence