The “Micro Credit Finance under NSKFDC” scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC). HSFDC, established under the Companies Act, 1956 on 02.01.1971, is a wholly government-owned corporation (with 51% share held by the State Government and 49% by the Government of India). This scheme provides financial assistance in the form of loans to safai karamcharis (sanitation workers) and their dependents for small-scale and petty trade/business projects as well as various self-employment income-generating activities, with a maximum project cost of up to ₹1,00,000 per beneficiary.
Benefits
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Loan Provision:
Loans up to ₹1,00,000 per beneficiary are available. -
Margin Money Assistance:
The corporation provides margin money at 10% of the project cost. -
Subsidy:
A subsidy of 50% of the total project cost is provided (up to a maximum of ₹10,000). Note that this subsidy is available only for beneficiaries below the poverty line. -
Interest Details:
- Interest Rate: 5% per annum (for loans up to ₹1,00,000).
- Penal Interest: 4% per annum if payments are delayed.
- Interest starts on the same day as loan disbursement; penalty begins after 30 days; principal recovery and installment payments commence after 120 days, with installments calculated every 30 days.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Age:
Applicants must be between 18 and 55 years. -
Applicant Category:
The loan is available to safai karamcharis (sanitation workers) or their dependents. “Permanent Safai Karamchari” refers to a person engaged in or employed for any sanitation work, including their dependents. -
Documentation:
Applicants must provide a Certificate of Safai Karamchari or dependent of Safai Karamchari, issued by a competent authority (such as the Head of relevant Government Departments, elected Municipal Body members, Pradhan of Gram Panchayats, Local Revenue Officer, or an equivalent officer in other organizations).
Application Process
Online Registration via HSFDC & Antyodaya-SARAL Portal
Registration on HSFDC Portal (NSKFDC Assisted Scheme):
- Visit the Official HSFDC Website:
Navigate to the section for “NSKFDC Assisted Scheme” and click on “Apply for Loan.” - Fill Registration Details:
Enter your name, Aadhaar number, email, mobile number, and captcha code. Click “Register.” - OTP Verification:
Enter the OTP sent to your mobile and click “Submit.” The application form will then open. - Complete Application:
Fill in all required details and upload the necessary documents, then click “Submit” to complete the application. You will receive a user ID and password.
Login Process on HSFDC Portal:
- Login:
On the home page, click on “Login” and enter your user ID/Username, password, and captcha. - Edit Profile:
Once logged in, click “Edit Profile” to fill in surety details, upload required documents, and update other information. - Final Submission:
Click “Final Submit” and print your application for your records.
Registration on Antyodaya-SARAL Portal (Alternate Process):
- Visit the Portal:
Go to https://saralharyana.gov.in/. - Register as New User:
Click “New User” under ‘Sign In Here’ and complete the registration by providing your name, email, mobile number, password, and state. - Verify and Log In:
Complete OTP verification, log in with your credentials, and then apply for the scheme by selecting it from “Apply for Services.” - Application Form:
Enter your Parivar Pehchan Patra (PPP ID) number to fetch family data, verify with OTP, fill in all details, upload documents, preview, and submit the application. - Track Application:
Track your application status by entering the Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Aadhaar Card.
- Ration Card.
- Certificate of Safai Karamchari or dependent of Safai Karamchari (issued by the competent authority).
- Any other documents as specified by the scheme guidelines.
Frequently Asked Questions
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Who implements the Micro Credit Finance scheme?
The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with NSKFDC. -
When was HSFDC established?
HSFDC was established on 02.01.1971. -
Who is eligible for the loan under this scheme?
The scheme is for safai karamcharis (sanitation workers) or their dependents, who are permanent residents of Haryana and are between 18 and 55 years of age. -
What is the maximum loan amount provided under this scheme?
The maximum loan amount is ₹1,00,000 per beneficiary. -
What types of activities can the loan be used for?
The loan can be used for small and petty trade/business activities as well as various self-employment income-generating activities. -
Is there a margin money requirement for the loan?
Yes, margin money is provided at 10% of the project cost. -
Is there a subsidy provided under this scheme?
Yes, a subsidy of 50% of the total project cost (up to a maximum of ₹10,000) is provided, applicable only for beneficiaries below the poverty line. -
Is there an income limit for applicants?
There is no income limit specified under this scheme. -
How can one apply for the loan?
Applications can be submitted online via the HSFDC portal (or alternatively via the Antyodaya-SARAL Portal) following the registration and login process. -
What is the process after applying for the loan?
Applications are scrutinized by District Managers to verify beneficiary genuineness before being forwarded to NSKFDC for loan sanction. -
What does ‘permanent Safai Karamchari’ mean?
It refers to a person engaged in or employed for any sanitation work, including his/her dependents.