Sarkari Yojana
Loan Based Schemes For Safai Karamchari – Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur
About Loan Based Schemes For Safai Karamchari – Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur
The National Safai Karamcharis Finance & Development Corporation (NSKFDC), under the Ministry of Social Justice and Empowerment, Government of India, runs the “Swachhta Udyami Yojana-Swachhta Se Sampannta Ki Aur” scheme to promote mechanised cleaning and open up safe, sustainable livelihoods for Safai Karamcharis and liberated Manual Scavengers. It offers financial assistance at concessional interest rates for buying and running sanitation-related equipment and vehicles for this target group. NSKFDC implements the scheme through Channelising Agencies, partner banks, and in coordination with Urban Local Bodies, and extends financial assistance to individuals, Self-Help Groups, Joint Responsibility Groups, cooperatives, Dry Waste Collection Centres, and Urban Local Bodies. The scheme encourages mechanised sanitation work and backs sanitation entrepreneurs with loans and capital assistance, while NSKFDC also partners with Urban Local Bodies to help procure mechanised cleaning equipment and deploy sanitation enterprises.
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 Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur, applicants must satisfy the following conditions:
The applicant must be a Safai Karamchari (including…
The applicant must be a Safai Karamchari (including a Waste Picker), an identified Manual Scavenger, or their dependent.
The applicant could be a registered cooperative society…
The applicant could be a registered cooperative society of Safai Karamcharis.
The applicant could be a legally constituted association…
The applicant could be a legally constituted association or firm set up by the target group.
The applicant must produce a certificate from a…
The applicant must produce a certificate from a local Revenue Officer/Municipal Officer/Cantonment Executive Officer/Railway Officer, the head of a Government Department (Schools, Colleges, Forest, Health, Education, Animal Husbandry, etc.) of Gazetted Officer rank or above, an Elected Municipal Body Member, a Gram Panchayat Pradhan, or a Regional Manager of an RRB/Nationalised Bank.
An applicant identified as a Manual Scavenger under…
An applicant identified as a Manual Scavenger under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, need not furnish a certificate if their name is in the final list of Manual Scavengers drawn up by the State Government or UT Administration.
The project the applicant proposes must be financially…
The project the applicant proposes must be financially viable and income-generating.
Priority within this category goes to scavengers whose…
Priority within this category goes to scavengers whose income is below double the poverty line;
women from within the target group; and
persons with disabilities within the target group.
Benefits Provided
Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur provides the following benefits to eligible applicants:
1. Financial Assistance to Target Group Through Channelising Agencies: For an Individual beneficiary, the maximum project cost is ₹15,00,000, carrying 6% per annum interest to the beneficiary and a repayment period of up to 7 years. For a Self-Help Group (SHG) / Joint Responsibility Group (JRG) / Cooperative / Dry Waste Collection Centre, the maximum project cost is ₹50,00,000, also at 6% per annum interest with up to 7 years to repay.> Conditions Associated with Benefits:
The assistance flows through Channelising Agencies
The assistance flows through Channelising Agencies.
NSKFDC charges Channelising Agencies 3% per annum
NSKFDC charges Channelising Agencies 3% per annum.
Beneficiaries are charged 6% per annum
Beneficiaries are charged 6% per annum.
Women beneficiaries get a 1% rebate
Women beneficiaries get a 1% rebate.
Timely repayment earns a further 0.5% rebate
Timely repayment earns a further 0.5% rebate. 2. Financial Assistance to Urban Local Bodies: Urban Local Bodies can get financial assistance of up to ₹75,00,000 per unit to procure sanitation-related equipment and vehicles. Additional Support: Gap funding through concessional loans is available for:
Municipal Solid Waste Management
Municipal Solid Waste Management.
Construction of Pay and Use Community/Public Toilets
Construction of Pay and Use Community/Public Toilets.
Waste-to-Compost Units
Waste-to-Compost Units.
Waste Collection and Segregation Units
Waste Collection and Segregation Units.
Conditions Associated with Benefits Interest Rate
Conditions Associated with Benefits Interest Rate: 7% per annum. Rebate: 1% for timely repayment. Repayment Period: 7 years.
Documents Required
Applicants should keep the following documents ready before starting the application:
A duly filled loan application form
A duly filled loan application form.
Identity proof
Identity proof.
Address proof
Address proof.
A certificate establishing status as a Safai Karamchari,…
A certificate establishing status as a Safai Karamchari, Waste Picker, Manual Scavenger, or dependent (issued by the competent authority).
Proof of identification in the final list of…
Proof of identification in the final list of Manual Scavengers (for applicants identified under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, where applicable).
Registration certificate of the cooperative society (for registered…
Registration certificate of the cooperative society (for registered cooperative societies).
Registration documents of the association/firm (for legally constituted…
Registration documents of the association/firm (for legally constituted associations or firms).
Project report/project proposal
Project report/project proposal.
Quotations or proforma invoices for the equipment/vehicles to…
Quotations or proforma invoices for the equipment/vehicles to be procured.
Bank account details
Bank account details.
Passport-size photographs
Passport-size photographs.
Work assurance letter from the Urban Local Body…
Work assurance letter from the Urban Local Body (where applicable).
Loan agreement and other documents required by the…
Loan agreement and other documents required by the State Channelising Agency, Regional Rural Bank, or Nationalised Bank.
2014-10-02
How to Apply
Offline Application
Applicants can apply for Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur through the offline application process outlined below.
Application Portal: Open Application Portal ↗
The applicant submits the loan application at the…
The applicant submits the loan application at the District Office of NSKFDC's State Channelising Agency (SCA), or at a branch of a Regional Rural Bank (RRB) or Nationalised Bank.
That District Office/branch scrutinises the application and sends…
That District Office/branch scrutinises the application and sends it up to its Head Office.
The SCA, RRB, or Nationalised Bank assesses the…
The SCA, RRB, or Nationalised Bank assesses the project's viability and forwards viable proposals to NSKFDC with its recommendations.
NSKFDC's Project Appraisal Committee examines the proposal
NSKFDC's Project Appraisal Committee examines the proposal.
Proposals found to be in order go before…
Proposals found to be in order go before NSKFDC's Board of Directors for consideration and sanction.
Once approved, NSKFDC sends a Sanction Letter (Letter…
Once approved, NSKFDC sends a Sanction Letter (Letter of Intent) to the concerned SCA, RRB, or Nationalised Bank for acceptance.
The SCA, RRB, or Nationalised Bank accepts the…
The SCA, RRB, or Nationalised Bank accepts the sanction terms and executes the necessary loan agreement and other documents.
NSKFDC releases funds to the SCA, RRB, or…
NSKFDC releases funds to the SCA, RRB, or Nationalised Bank on demand, following its Lending Policies and Guidelines (LPG).
The SCA, RRB, or Nationalised Bank disburses the…
The SCA, RRB, or Nationalised Bank disburses the sanctioned assistance to the beneficiary.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.