Sarkari Yojana
Loan based Scheme for Pay and Use Community Toilets
About Loan based Scheme for Pay and Use Community Toilets
The Ministry of Social Justice and Empowerment set up the Pay and Use Community Toilets Scheme to empower Safai Karamcharis and their dependents through sanitation-linked livelihoods. This Loan Based Scheme is run by the National Safai Karamcharis Finance and Development Corporation (NSKFDC), with loans reaching the target group through Channelizing Agencies (CAs) — State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs), and Public Sector Banks (PSBs). Its main goal is to build entrepreneurship among Safai Karamcharis, manual scavengers, and their dependents by financing the setup of “pay and use” community toilets. Purpose:
1. To give households lacking toilet facilities, as well as the floating population at high-footfall public places like bus stands, railway stations, and markets, easy access to community latrines. 1. To keep these facilities properly maintained. 1. To do away with the need for manual scavenging.
Key Features:
1. Loan for Construction & Operation: Financial assistance covers building and running 10-seater community toilet units on a pay-and-use basis. 1. Maximum Loan Amount: Up to ₹25 lakh per unit. 1. Interest Rates: 4% per annum, reduced to 3% for women beneficiaries and 2.5% for timely repayment. 1. Repayment Period: Up to 10 years, with a 6-month moratorium on principal repayment included.
Scheme Overview
Central Government
Ministry Of Social Justice and Empowerment
National Safai Karamcharis Finance & Development Corporation (NSKFDC)
Individual
02 Oct 2014
Scheme Details
Eligibility Requirements
To qualify for Loan based Scheme for Pay and Use Community Toilets, applicants must satisfy the following conditions:
Indian citizens aged 18 or above who belong to one of these categories are eligible:
Safai Karamcharis
Safai Karamcharis
Manual scavengers
Manual scavengers
Dependents of the above groups Individual beneficiaries and…
Dependents of the above groups Individual beneficiaries and self-help groups from NSKFDC's target group may apply through State Channelizing Agencies (SCAs), working in collaboration with reputed organizations. Note:
Scavengers/Safai Karamcharis and their dependents identified in a…
Scavengers/Safai Karamcharis and their dependents identified in a survey under the National Scheme for Liberation & Rehabilitation of Scavengers (NSLRS), registered co-operative societies of Safai Karamcharis, legally constituted associations/firms set up by the target group, and anyone furnishing a certificate from a local Revenue Officer/Municipal Officer/Cantonment Executive Officer/Railway Officer, a Government Department head (Schools, Colleges, Forest, Health, Education, Animal Husbandry, etc.) of Gazetted Officer rank or above, an Elected Municipal Body Member, or a Gram Panchayat Pradhan (subject to the required State Government notification), or a Regional Manager of an RRB/Nationalised Bank, are all covered.
That said, under the MS Act, 2013, a…
That said, under the MS Act, 2013, a person identified as a Manual Scavenger in a survey need not furnish any certificate once their name appears in the final list of Manual Scavengers prepared by the State/UT Government.
Benefits Provided
Loan based Scheme for Pay and Use Community Toilets provides the following benefits to eligible applicants:
1
1. Livelihood: Helps Safai Karamcharis move from manual scavenging into a dignified, income-generating sanitation business. 1. Collateral-Free, Low-Interest Loan: Provides up to ₹25 lakh with no collateral required, at 4% interest (lower still for women and for timely repayment). 1. Moratorium period: Six months, on top of a six-month implementation period. 1. Repayment period: 10 years, following a 180-day implementation period and a 180-day moratorium. 1. Entrepreneurship Opportunity: Promotes self-employment by letting beneficiaries build and run public "Pay and Use" toilet units.
Documents Required
Applicants should keep the following documents ready before starting the application:
Any proof establishing identity (e.g., Aadhaar card, voter…
Any proof establishing identity (e.g., Aadhaar card, voter ID).
A document that confirms the applicant's age (e.g.,…
A document that confirms the applicant's age (e.g., birth certificate, school certificate).
A project proposal that sets out how the…
A project proposal that sets out how the Pay & Use Community Toilet will be developed.
Evidence that the applicant works as a Safai…
Evidence that the applicant works as a Safai Karamchari or manual scavenger (if applicable).
Other documents that the Channelizing Agency may specify
Other documents that the Channelizing Agency may specify.
2014-10-02
How to Apply
Online Application
Applicants can apply for Loan based Scheme for Pay and Use Community Toilets through the online application process outlined below.
Application Portal: Open Application Portal ↗
Applicants file their loan applications at the district…
Applicants file their loan applications at the district offices of NSKFDC's SCAs, or at RRB and Nationalised Bank branches.
From there, applications go to the head offices,…
From there, applications go to the head offices, where the SCA/RRB/Nationalised Bank evaluates the project proposal before sending it back to NSKFDC with recommendations.
NSKFDC's Project Appraisal Committee reviews the proposals and,…
NSKFDC's Project Appraisal Committee reviews the proposals and, once satisfied they are in order, presents them to its board of directors for approval.
Once the board approves, the SCAs/RRBs/Nationalised Banks issue…
Once the board approves, the SCAs/RRBs/Nationalised Banks issue the letter of sanction.
After the terms and conditions are accepted, the…
After the terms and conditions are accepted, the necessary documents and funds go out to the beneficiaries.
NSKFDC disburses the funds upon receiving a demand…
NSKFDC disburses the funds upon receiving a demand from the SCAs/RRBs/Nationalised Banks, in line with all release parameters under its Lending Policies & Guidelines (LPG).
Offline Application
Applicants can apply for Loan based Scheme for Pay and Use Community Toilets through the offline application process outlined below.
Application Portal: Open Application Portal ↗
Interested and eligible individuals should reach out to…
Interested and eligible individuals should reach out to their nearest Channeling Agency.
The state-wise list of Channelizing Agencies is available…
The state-wise list of Channelizing Agencies is available on the website .
Exclusions / Who Is Not Eligible
1. Individuals who are not Safai Karamcharis, manual scavengers, or their dependents are not eligible for this scheme.
1. The scheme provides loans, not grants or subsidies.
1. Construction of private or home toilets is not allowed under this scheme.
1. The maximum loan cap is ₹25 lakh. Any additional cost beyond this has to be borne by the beneficiary.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.