The “Term Loan 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). Established on January 2, 1971, HSFDC is a government-owned corporation with a 51% share by the State Government and 49% by the Government of India. This scheme provides loans to Safai Karamcharis and their dependents for various income-generating activities. Beneficiaries can access loans ranging from ₹10,000 to ₹15,00,000 per beneficiary to start or expand self-employment ventures such as auto repair shops, electrical workshops, leather footwear manufacturing, beauty parlors, welding works, carpentry, photography, grocery shops, sanitary supply stores, ready-made garments, cyber cafes, band parties, tent houses, and more.
Benefits
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Loan Amount:
Beneficiaries can avail loans ranging from ₹10,000 to a maximum of ₹15,00,000 per beneficiary. -
Margin Money:
The scheme offers margin money at 10% of the project cost. -
Subsidy:
A subsidy of 50% of the total project cost is provided (with a maximum subsidy of ₹10,000), applicable only for beneficiaries below the poverty line. -
Interest Criteria:
- Interest Rate: 6% per annum
- Penal Interest Rate: 4% per annum
- Interest begins on the same day the loan is sanctioned.
- Penal interest starts after 30 days if repayments are delayed.
- Principal recovery and installment payments commence after 120 days.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Age:
The applicant should be between 18 and 55 years of age. -
Occupation:
The applicant must be a Safai Karamchari or a dependent of a Safai Karamchari engaged in sanitation work. -
Certification:
Applicants must produce a certificate confirming their status as a Safai Karamchari or their dependent, issued by a competent authority such as a gazetted officer from Government Departments, elected members of Municipal Bodies/Corporations, Pradhan of Gram Panchayats, or other designated officials. -
Income Limit:
There is no income limit for applicants under this scheme.
Application Process
Online
Registration on Haryana Scheduled Castes Finance and Development Corporation Portal:
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Visit Website:
Go to the official website of the Haryana Scheduled Castes Finance and Development Corporation and select the scheme under “NSKFDC Assisted Scheme.” -
Apply for Loan:
Click on “Apply for Loan” to begin the registration process. -
Registration:
Fill in your details (name, Aadhaar number, email, mobile number, and captcha), then click “Register.” Verify your mobile number and email via OTP and click “Submit.” Your user ID and password will be issued. -
Application Form:
Log in using your credentials, navigate to Services > BOC Scheme Benefit > Application Form, fill in the mandatory details and upload required documents, and then click “Submit” to receive your Application ID.
Registration on Antyodaya-SARAL Portal:
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Visit Portal:
Access the official Antyodaya-SARAL Portal and click “New User” under “Sign In Here” to register by entering your name, email ID, mobile number, password, and state. -
Verification:
Verify your mobile number and email through OTP. -
Apply for Services:
Log in using your registered credentials, then click on “Apply for Services” followed by “View all Available Services.” Search for the scheme, fill in the application form, preview it, and click “Submit.” -
Tracking:
You can track your application status on the portal by entering your Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Aadhaar Card.
- Adequate qualification and experience documents.
- Project Report (mandatory for loans above ₹1,00,000).
- Ration Card.
- Safai Karamchari or Dependent Certificate issued by a competent authority.
- Two-year-old valid Driving License (for vehicle loan applications).
- Any other documents as specified by the scheme.
Frequently Asked Questions
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Who implements the scheme?
The scheme is implemented by HSFDC in collaboration with NSKFDC. -
What is the maximum loan amount per beneficiary under the scheme?
The maximum loan amount is ₹15,00,000 per beneficiary. -
What types of income-generating activities are covered under the scheme?
Activities include auto repair and spare parts shops, electrical goods workshops, leather footwear manufacturing, beauty parlors, welding works, carpentry, photography, grocery shops, sanitary supply stores, ready-made garments, cyber cafes, band parties, tent houses, and more. -
What is the age requirement for applicants?
Applicants must be between 18 and 55 years of age. -
Who is eligible to apply for the loan?
Only Safai Karamcharis or their dependents are eligible. -
Is there an income limit for applicants?
There is no income limit for this scheme. -
What is the range of loans that beneficiaries can avail?
Loans range from ₹10,000 to ₹15,00,000. -
Is there a subsidy provided under the scheme?
Yes, a subsidy of 50% of the total project cost is provided, with a maximum of ₹10,000, available only to beneficiaries below the poverty line. -
What is margin money in this scheme?
Margin money is provided at 10% of the project cost. -
How do I apply for the loan?
Applications can be submitted online via the Haryana Scheduled Castes Finance and Development Corporation Portal or the Antyodaya-SARAL Portal. -
What happens after submitting the loan application?
Submitted applications are verified by District Managers and then forwarded to NSKFDC for loan sanction. Once sanctioned, the requisite loan grant is issued to the beneficiary.