Sarkari Yojana
Dilli Swarojgar Yojna
About Dilli Swarojgar Yojna
Run by the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minorities Financial and Development Corporation (DSFDC), Government of National Capital Territory (NCT) of Delhi, the “Dilli Swarojgar Yojna” offers need-based loans of up to ₹5,00,000/- at 6% per annum interest for a range of income-generating activities. It is aimed at people from Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and Minority communities who wish to set up or grow a small business. To qualify, applicants need to have lived in Delhi for the last five years, be between 18 to 50 years old, and have a yearly family income of no more than ₹2,00,000/-. Loans can be used for ventures such as vegetable/fruit/flower shops, dairy products, tailoring shops and other allowed non-polluting manufacturing activities.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Dilli Swarojgar Yojna, applicants must satisfy the following conditions:
The applicant must belong to one of these…
The applicant must belong to one of these target groups - Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority.
Residence in Delhi for the last five years…
Residence in Delhi for the last five years is required.
The applicant must be aged between 18 to…
The applicant must be aged between 18 to 50 years.
Total annual family income from every source must…
Total annual family income from every source must not be more than ₹2,00,000/-.
The applicant must intend to take up one…
The applicant must intend to take up one of the income-generating activities listed in the scheme guidelines - - A suitable workplace for the planned activity is needed, which may be owned by the applicant, owned by a relative, or rented.
The applicant must not have been declared a…
The applicant must not have been declared a defaulter in any scheme run by the DSFDC.
At least an 8th standard pass is required
At least an 8th standard pass is required.
Technical qualifications relevant to the planned activity are…
Technical qualifications relevant to the planned activity are needed. This condition is waived for traditional artisans or entrepreneurs who have been doing the activity for which the loan is sought for the past three years at least.
Benefits Provided
Dilli Swarojgar Yojna provides the following benefits to eligible applicants:
Loans based on need, up to ₹5,00,000/-, are…
Loans based on need, up to ₹5,00,000/-, are sanctioned at 6% per annum interest to back any income-generating activity listed in the scheme guidelines.
Documents Required
Applicants should keep the following documents ready before starting the application:
Pre-Sanction/With Application
The completed Dilli Swarojgar Yojna loan application form,…
The completed Dilli Swarojgar Yojna loan application form, obtainable from the branch offices (Rajpur Road, Mangolpuri, Nand Nagri) and the Rohini headquarters or downloadable from the official website; the form is priced at ₹100/-.
A copy of the applicant's Aadhaar Card to…
A copy of the applicant's Aadhaar Card to establish identity and residence.
A Caste Certificate from the Government of Delhi;…
A Caste Certificate from the Government of Delhi; minority applicants may instead give an affidavit stating they belong to a notified minority community.
Evidence of age, such as a Birth Certificate,…
Evidence of age, such as a Birth Certificate, School Leaving Certificate, or an Affidavit stating the date of birth/age.
Proof of educational qualification
Proof of educational qualification.
Proof of technical qualification, or a Valid Driving…
Proof of technical qualification, or a Valid Driving Licence (Light Motor Vehicle) & Badge where the loan is for a commercial vehicle.
An Income Certificate from the relevant Sub-Divisional Magistrate…
An Income Certificate from the relevant Sub-Divisional Magistrate (SDM), or an income affidavit in the set format.
Five recent passport-size photographs of the applicant
Five recent passport-size photographs of the applicant.
An affidavit in the set format stating that…
An affidavit in the set format stating that no loan has been taken from any financial institution or government organization.
Evidence of ownership of the workplace (Electricity Bill,…
Evidence of ownership of the workplace (Electricity Bill, Water Bill, or Telephone Bill (landline of MTNL)).
Identity proof of the workplace owner
Identity proof of the workplace owner.
A Rent Agreement, or a No Objection Certificate…
A Rent Agreement, or a No Objection Certificate where a close relative owns the workplace, on non-judicial stamp paper of ₹10/-.
A Detailed Project Report showing profitability over the…
A Detailed Project Report showing profitability over the next five years.
A Guarantor Undertaking, or a copy of immovable…
A Guarantor Undertaking, or a copy of immovable property papers with a complete chain, or collateral security such as a Fixed Deposit Receipt (FDR), National Savings Certificate (NSC), or Kisan Vikas Patra (KVP), etc.
A Demand Draft of ₹500/- drawn in favour…
A Demand Draft of ₹500/- drawn in favour of DSFDC as the processing fee.
A copy of insurance cover under Prime Minister…
A copy of insurance cover under Prime Minister Suraksha Bima Yojna and Pradhan Mantri Jeevan Jyoti Bima Yojna. Post-Sanction
An Electronic Clearing Service (ECS) Mandate in the…
An Electronic Clearing Service (ECS) Mandate in the set format for loan repayment, plus five blank Cheque Truncation System (CTS) post-dated cheques in favour of DSFDC and one blank cancelled cheque for Real Time Gross Settlement (RTGS) payment.
Five blank post-dated cheques from the guarantor (where…
Five blank post-dated cheques from the guarantor (where the loan exceeds ₹2,00,000/-).
A guarantee from one regular government/Public Sector Undertaking…
A guarantee from one regular government/Public Sector Undertaking (PSU)/Autonomous Bodies/Local Bodies employee posted in Delhi or the National Capital Region (NCR) with a minimum of six years of service left, to cover the Equated Monthly Installment (EMI) if the applicant defaults. Where collateral is offered, the original immovable property documents with a complete chain, or FDR/NSC/KVP as applicable, with a face value of at least 75% of the loan amount; for FDR/NSC/KVP, a lien letter from the appropriate authority is also needed.
The guarantor's original Pay Slip
The guarantor's original Pay Slip.
A copy of the guarantor's Identity Card
A copy of the guarantor's Identity Card.
The guarantor's Aadhaar Card as residence proof
The guarantor's Aadhaar Card as residence proof.
Proof of the guarantor's Date of Birth
Proof of the guarantor's Date of Birth.
The Guarantor's Affidavit in the set format
The Guarantor's Affidavit in the set format.
Five photographs of the guarantor
Five photographs of the guarantor.
An Affidavit of Personal Guarantee following the specimen
An Affidavit of Personal Guarantee following the specimen.
An Affidavit of the applicant's Legal Heir following…
An Affidavit of the applicant's Legal Heir following the specimen, together with the legal heir's ID proof and one photograph.
Two eye witnesses accompanying the applicant, each with…
Two eye witnesses accompanying the applicant, each with residence proof (Aadhaar Card).
Acceptance of the Loan Agreement/Sanction Letter
Acceptance of the Loan Agreement/Sanction Letter.
A Group Photograph showing the applicant, guarantor, Branch…
A Group Photograph showing the applicant, guarantor, Branch Incharge, Dealing Assistant and the two witnesses.
How to Apply
Offline Application
Applicants can apply for Dilli Swarojgar Yojna through the offline application process outlined below.
Go to a DSFDC branch office (Rajpur Road,…
Go to a DSFDC branch office (Rajpur Road, Mangolpuri, Nand Nagri) or the Rohini headquarters and obtain the scheme's loan application form on payment of the ₹100/- form fee. You may instead print the prescribed format of the form from the DSFDC official website.
Complete every compulsory field, affix a passport-sized photograph…
Complete every compulsory field, affix a passport-sized photograph and enclose copies of all required documents (self-attested where needed).
Hand in the signed and completed form with…
Hand in the signed and completed form with the documents at the closest DSFDC branch office or headquarters, and pay the ₹500/- processing fee by demand draft in favour of DSFDC.
Ask for a receipt or acknowledgement
Ask for a receipt or acknowledgement. After approval, a loan sanction letter is issued to the applicant, who must sign the loan agreement and hand in the post-sanction documents listed. When all formalities are done, the loan is released into the applicant’s bank account. Repayment must follow the agreed terms and conditions. Make sure instalments are paid on time through the Electronic Clearing Service (ECS) or the post-dated cheques submitted with the application.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.