The “Indira Gandhi Shehri Credit Card Yojana” is a financial empowerment initiative by the Government of Rajasthan designed to support street vendors and informal sector workers. The scheme targets individuals such as hair dressers, rickshaw-pullers, potters, cobblers, mechanics, tailors, washermen, and others, along with the unemployed youth. It aims to boost self-employment, promote small business development, and mitigate the economic impact of COVID-19 by providing interest-free loans and facilitating access to essential financial resources.
Benefits
- Interest-Free Loan Facility:
Eligible beneficiaries can access an interest-free loan of up to ₹50,000/-. - Business Development:
Promotes the development of small businesses within the informal sector. - Self-Employment Encouragement:
Provides financial resources for day-to-day needs, thereby encouraging self-employment. - COVID-19 Impact Mitigation:
Helps reduce the adverse effects of the pandemic on the informal business sector. - Broad Reach:
The scheme is designed to benefit up to 5 lakh individuals working in Rajasthan’s informal sector.
Eligibility
To qualify for the scheme, applicants must meet the following criteria:
- Residency:
Must be a permanent resident of Rajasthan. - Age:
Applicants should be between 18 and 40 years old. - Income Requirements:
- The applicant’s monthly income must be ₹15,000/- or less.
- The monthly income of the applicant’s family should not exceed ₹50,000/-.
- Vendor Certification:
Small traders provided with a certificate or identity card by the urban body are eligible. - Additional Beneficiaries:
Traders not covered in the survey or who possess a recommendation letter from the Town Vending Committee, as well as vendors selected during the survey without a certificate, are also eligible.
Application Process
The application process is fully online:
- Apply via e-Mitra:
Applicants can apply through the e-Mitra centre on the scheme’s online web portal, using their S.S.O. Application, or via the concerned urban body office. - Verification:
Applications submitted on the portal will be verified by the concerned nodal officer within 7 working days.
Documents Required
- Passport-size photograph.
- Janadhar Card/Aadhaar Card.
- Documents establishing current residence in Rajasthan.
- Documents proving permanent residence in Rajasthan.
- Bank account passbook.
- Vendor certificate, Wedding ID card, or a recommendation letter issued by the Municipal body.
- Registration number from the District Employment Center.
- Self-attested affidavit including:
- Details of any outstanding loans (if any).
- Description of the type of business/occupation.
- Self-declaration of monthly income (should be less than ₹15,000/-).
- Details of monthly family income (should be less than ₹50,000/-).
Frequently Asked Questions
-
What is the scope of this scheme?
The scheme is aimed at financially empowering street vendors and informal sector workers in Rajasthan by providing interest-free loans to boost their business and mitigate COVID-19 related impacts. -
What are the benefits under the scheme?
It offers an interest-free loan of up to ₹50,000/-, promoting small business development and self-employment in the informal sector. -
Who can get the benefits of the scheme?
The scheme targets street vendors, essential service providers, and unemployed youth in the informal sector of Rajasthan who meet the specified income and age criteria. -
What is the minimum and maximum eligible age criteria?
Applicants must be between 18 and 40 years old. -
What is the maximum eligible individual income?
The applicant’s monthly income should be ₹15,000/- or less. -
What is the maximum eligible family income?
The combined monthly income of the applicant’s family should not exceed ₹50,000/-. -
What is the application process?
Applications are submitted online via the e-Mitra centre or relevant urban body office, with verification by a nodal officer within 7 working days. -
What documents are required?
Required documents include a passport-size photo, Aadhaar Card, proof of current and permanent residence in Rajasthan, bank passbook, vendor certificate or recommendation letter, District Employment Center registration number, and a self-attested affidavit detailing income and business information. -
May individuals from other states apply under this scheme?
No, the scheme is only available to permanent residents of Rajasthan.