Mahila Kisan Yojana Maharashtra: ₹50,000 Loan & Subsidy for Charmakar Women

The “Mahila Kisan Yojana” is an initiative implemented by the Department of Social Justice & Special Assistance, Government of Maharashtra, in collaboration with the National Scheduled Castes Finance and Development Corporation (NSFDC). The scheme is designed to uplift the lifestyle of economically disadvantaged Charmakar communities (including Dhor, Chambhar, Holar, and Mochi) by promoting educational, economic, and social development. It also supports the production and sale of various types of footwear and leather articles to both government departments and the open market.

Benefits

• • Total Loan Amount:
    • Financial assistance of ₹50,000 is provided to eligible female beneficiaries.
  • Subsidy Provided:
    • A subsidy of ₹10,000 is granted, reducing the effective loan burden.
  • Loan Component:
    • The remaining ₹40,000 is provided as a loan with an affordable interest rate of 5% per annum.

Eligibility Criteria

• • Residency:
    • The applicant must be a permanent resident of Maharashtra.
  • Gender:
    • The applicant should be female.
  • Community:
    • The applicant must belong to the Charmakar Community.
  • Age:
    • The applicant’s age should be between 18 to 50 years.
  • Business Knowledge:
    • The applicant must have knowledge of the business for which the loan is being sought.
  • Land Ownership (For Agricultural Project Loans):
    • The loan can be taken in the applicant’s name, joint name with her husband, or in her husband’s name (supported by an affidavit) as reflected on the 7/12 land extract.
  • Income Criteria:
    • For the 50% Subsidy Scheme and margin money assistance, the applicant’s annual income must be below the poverty line.
    • For the NSFDC component, the income limit is ₹98,000 for rural areas and ₹1,20,000 for urban areas.

Application Process (Offline)

1. 1. Obtain Application Form:
      • Visit the District Office of the Leather Industries Development Corporation of Maharashtra (LIDCOM) during office hours.
      • Request a hard copy of the prescribed application form.
   2. Complete the Application:
      • Fill in all mandatory fields on the form.
      • Paste a recent passport-size photograph (signed across, if required).
      • Attach self-attested copies of all required documents.
   3. Submit the Application:
      • Submit the duly filled and signed application form along with the documents to the LIDCOM District Office within the prescribed period.
   4. Obtain Receipt:
      • Request a receipt or acknowledgement from the concerned authority.
      • Ensure the receipt includes essential details such as the date and time of submission and a unique identification number, if applicable.

Note:
Ensure that the application is submitted within the prescribed timeframe, if any.

Documents Required

• • Completed application form from the LIDCOM District Office.
  • Recent passport-size photograph.
  • Valid Income Certificate (issued by an authorized government officer).
  • Caste Certificate confirming membership in the Charmakar Community.
  • Proof of Residence (must be from Maharashtra).
  • 7/12 Land Extract (for agricultural project loans, showing the applicant’s name, joint name with husband, or husband’s name with an affidavit).
  • Proof of knowledge or experience relevant to the proposed business/project.

Frequently Asked Questions (FAQs)

• • What is the Mahila Kisan Yojana?
    A scheme aimed at empowering economically disadvantaged Charmakar women through a subsidized loan for business development in the leather and footwear sector.
  • Who can apply for this scheme?
    Female applicants belonging to the Charmakar Community and residing permanently in Maharashtra.
  • What is the total loan amount available under this scheme?
    The scheme provides a total loan amount of ₹50,000.
  • What portion of the loan is subsidized?
    ₹10,000 is provided as a subsidy.
  • What is the interest rate on the loan?
    The loan is offered at an interest rate of 5% per annum.
  • What are the income criteria for applicants?
    Applicants must have an annual income below the poverty line for the 50% Subsidy Scheme, with additional income limits set at ₹98,000 for rural areas and ₹1,20,000 for urban areas under the NSFDC scheme.
  • What documents are required to apply?
    Documents include the completed application form, passport-size photograph, income certificate, caste certificate, proof of residence, 7/12 land extract (if applicable), and proof of business knowledge.
  • Where can I obtain the application form?
    The application form is available at the District Office of LIDCOM.
  • How do I submit my application?
    The application must be submitted offline at the LIDCOM District Office along with the required documents.
  • Is there a specific deadline for submitting applications?
    Applicants must adhere to the prescribed submission period as indicated by the authorities.
  • What happens after I submit my application?
    The application will be processed by the authorities, and you will receive further instructions or updates regarding your loan application.