Self-Employment Loan Scheme for Disabled in Maharashtra: ₹1.5 Lakh, EligibilityScheme StatusScheme Status

The Financial Assistance to Disabled for Self Employment scheme, implemented by the Department of Social Justice & Special Assistance, Government of Maharashtra, is designed to empower persons with disabilities by facilitating their self-employment. This scheme supports eligible individuals in launching small-scale businesses, agro-based projects, or other income-generating activities, providing them with the necessary financial resources to become self-reliant. It is a 100% state-funded initiative available exclusively to permanent residents of Maharashtra.

Benefits

  • Total Financial Assistance: Up to ₹1,50,000.
  • Loan Support: 80% of the project cost is financed through a Nationalized Bank.
  • Subsidy: A 20% subsidy of up to ₹30,000 is provided by the department.
  • Empowerment: Promotes self-employment among persons with disabilities and supports small-scale business initiatives and agro-based projects.

Eligibility

To be eligible for the scheme, applicants must:

  • Citizenship & Residency: Be a citizen of India and a permanent resident of Maharashtra.
  • Disability Requirement: Possess a disability (e.g., visually handicapped, low vision, hearing impaired, orthopedically handicapped, etc.) with a minimum of 40% disability, as certified by the appropriate authority.
  • Age Group: Be within the age group of 18 to 50 years.
  • Income Criteria: Have an annual income of less than ₹1,00,000.
  • Employment Status: Be unemployed and seeking to engage in self-employment or start a small business/agro-based project.

Application Process

Offline Application

  1. Visit the District Social Welfare Office:
    • Request a hard copy of the application form for the scheme from the concerned authority.
  2. Complete the Application Form:
    • Fill in all mandatory fields, affix a passport-sized photograph (signed across), and attach all the self-attested required documents.
  3. Submission:
    • Submit the completed and signed application form along with the documents to the Assistant Commissioner at the District Social Welfare Office.
  4. Receipt:
    • Obtain an acknowledgment or receipt confirming the successful submission of your application.

Documents Required

  • Aadhaar Card
  • Proof of Age: (Birth Certificate, or Marksheet of Class 10th/12th, etc.)
  • Passport-Sized Photographs: Two copies (signed across)
  • Residential Certificate / Domicile Certificate of Maharashtra
  • Disability Certificate
  • Income Certificate
  • Bank Account Details: Including bank name, branch, address, IFSC, etc.
  • Any Other Document: As required by the District Social Welfare Office

Frequently Asked Questions

Q1: What percentage of the loan is provided by the Nationalized Bank?
A1: 80% of the total financial assistance is provided as a loan by the Nationalized Bank.

Q2: What percentage of the subsidy will be provided by the Department?
A2: A subsidy of 20% of the project cost, up to a maximum of ₹30,000, is provided by the Department.

Q3: What are the objectives of this scheme?
A3: The scheme aims to facilitate self-employment among disabled persons by providing financial assistance for starting small-scale businesses, agro-based projects, or other income-generating activities.

Q4: For what purposes can the financial assistance be utilized?
A4: The assistance can be used for self-employment ventures, including small-scale business activities and agro-based projects.

Q5: What is the maximum amount of financial assistance available?
A5: The maximum assistance available under the scheme is ₹1,50,000.

Q6: Who are the target beneficiaries of this scheme?
A6: The scheme targets unemployed persons with disabilities who are permanent residents of Maharashtra and have an annual income of less than ₹1,00,000.

Q7: Are there any eligibility criteria regarding the percentage of disability?
A7: Yes, applicants must have a disability of 40% or above as certified by the appropriate authority.

Q8: Are orthopedically handicapped persons covered under this scheme?
A8: Yes, persons with orthopedic disabilities are included in the eligible categories.

Q9: Is a Residential Certificate or Domicile Certificate of Maharashtra mandatory?
A9: Yes, a proof of residency, such as a Residential or Domicile Certificate, is mandatory.

Q10: Can I reapply if I am already availing benefits from this scheme?
A10: Generally, the scheme is intended for new applicants; reapplication details would be specified in the scheme guidelines.

Q11: What is the full form of SJSA?
A11: SJSA stands for the Department of Social Justice & Special Assistance.

Q12: Is this scheme state funded or centrally funded?
A12: This is a 100% state-funded scheme implemented by the Government of Maharashtra.

Q13: Is there any application fee?
A13: No, there is no application fee for this scheme.

Q14: Is there any compensation for delay in disbursal of benefits?
A14: Any compensation for delays would be addressed in the scheme guidelines; please refer to them for detailed information.

Q15: How do I know if a field in the application form is mandatory?
A15: Mandatory fields are marked clearly, typically with a red asterisk.

Q16: Can applicants from neighboring states (e.g., Gujarat, Madhya Pradesh, Chhattisgarh, Telangana) apply?
A16: No, the scheme is only open to permanent residents of Maharashtra.

Q17: Where can I find the official website of the Department of Social Justice & Special Assistance?
A17: The official website details are provided in the scheme guidelines and related communications from the Department.

Q18: Where can I find the link to the scheme guidelines?
A18: The scheme guidelines are available on the official website of the Department of Social Justice & Special Assistance.

Q19: What is the address of the Department of Social Justice & Special Assistance, Government of Maharashtra?
A19: The address is available in the scheme guidelines or can be obtained from the District Social Welfare Offices.

Q20: Where can I find the addresses of the District Social Welfare Offices?
A20: Contact details for District Social Welfare Offices are provided in the scheme guidelines and on the official website.

Q21: Where can I post my grievances related to this scheme?
A21: Grievances can be submitted through the designated channels provided in the scheme guidelines.

Q22: Is there an income-related criterion for this scheme?
A22: Yes, the applicant’s annual income must be less than ₹1,00,000.

Q23: Is the application form available online?
A23: The application form is primarily available in hard copy from the District Social Welfare Offices.

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