Mahila Adhikarita Yojana under NSKFDC- Haryana
Welfare of Scheduled Caste & Backward Classes Department
Last updated:
Overview
Under this scheme, loan is provided to woman Safai Karamchari and their dependent daughters for projects with a maximum project cost of up to ₹2,00,000/- for small and petty trade/businesses, and various income-generating activities such as beauty parlors, boutiques, cosmetic shop, bangle shop, etc.
Details
The scheme "Mahila Adhikarita Yojana under NSKFDC" is implemented by the Haryana Scheduled Castes Finance and Development Corporation HSFDC in collaboration with the National Safai Karamcharis Finance & Development Corporation NSKFDC . The HSFDC is a Company registered under the Companies Act, 1956 on 02.01.1971. It is a wholly Government-owned Corporation with a 51% share of the State Government and a 49% share of the Government of India. Under this scheme, the loan is provided to woman Safai Karamchari and their dependent daughters for projects with a maximum project cost of up to ₹2,00,000/- for small and petty trade/businesses, and various other income-generating activities such as beauty parlors, boutiques, cosmetic shops, bangle shop, etc.
Exclusions
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Benefits
• **Project Cost Ceiling:**
• The Corporation (HSFDC), in collaboration with NSKFDC, provides loans of up to ₹2,00,000/- per beneficiary/unit for small and petty trade/business and various income-generating activities.
• **Margin Money:**
• The Corporation provides margin money @ 10% of the project cost.
• **Subsidy:**
• The corporation provides a subsidy @ 50% of the total project cost (Maximum subsidy amount is ₹10,000/-).
• **Note:** The subsidy is only provided to the beneficiary below the poverty line.
• > **Interest criteria for the loan amount recoverable by HSFDC:**
• **Upto Amount (₹)****Interest % P.A.****Penal Interest % P.A**.2,00,000/-54<br>
• **Interest Starts on****Penalty Start After****Principal Recovery Starts After****Installment Starts After** **Installment Period**Same day30 days120 days120 days30 days
Eligibility Criteria
1. The applicant should be a permanent resident of Haryana.
2. The applicant should be a female.
3. The applicant&#39;s age should be between 18 and 55 years.
4. There is no income limit.
5. The applicant should be either a woman Safai Karamchari or a dependent daughter of Safai Karamchari.
6. **Note 1:** Permanent Safai Karamchari means a person engaged in, or employed for any sanitation work and includes his/her dependents.
7. **Note 2:** The applicant shall have to produce a Certificate of Safai Karamchari or dependent of Safai Karamchari from the Head of the Government Departments (i.e. School, Colleges, Forest, Health, Education, Animal Husbandry having rank not less than Gazetted Officer), elected members of Municipal Body/ Corporation and Pradhan of Gram Panchayats, Local Revenue Officer or an Officer of Local Municipal Office, or Cantonment Executive Officer of the Cantonment or an officer of the Railways not below the rank of gazette officer.
Required Documents
• Aadhaar Card
• Ration Card
• Safai karamchari or dependent of Safai karamchari Certificate issued by the competent authority
• Any other documents as required
Frequently Asked Questions
Q: Who implements the Mahila Adhikarita Yojana?
A: The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).
Q: When was the HSFDC registered?
A: The HSFDC was registered under the Companies Act, 1956, on 02.01.1971.
Q: What is the ownership structure of HSFDC?
A: HSFDC is wholly government-owned, with 51% share of the State Government and 49% share of the Government of India.
Q: What is the maximum loan amount under the Mahila Adhikarita Yojana?
A: The maximum loan amount provided under this scheme is ₹2,00,000 per beneficiary/unit.
Q: What types of activities can the loan be used for?
A: The loan can be used for small and petty trade/business and various income-generating activities such as beauty parlors, boutiques, cosmetic shops, bangle shops, etc.
Q: What is the margin money provided under the scheme?
A: The Corporation provides margin money at 10% of the project cost.
Q: Is there any subsidy provided under the scheme?
A: Yes, a subsidy at 50% of the total project cost is provided, with a maximum subsidy amount of ₹10,000/-.
Q: Who is eligible for the subsidy?
A: The subsidy is provided only to beneficiaries living below the poverty line.
Q: What defines a permanent Safai Karamchari?
A: A permanent Safai Karamchari is a person engaged in or employed for any sanitation work, including his/her dependents.
Q: How can one apply for the loan?
A: Eligible applicants can apply online through the Official Portal - Antyodaya-SARAL Portal at https://saralharyana.gov.in/ or visit the official website of HSFDC at [https://hscfdc.org.in/appreg](https://hscfdc.org.in/appreg).
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Q: What happens after the loan application is submitted?
A: The loan applications are scrutinized and verified by the District Managers to ascertain the genuineness of the beneficiaries. Eligible applications are then sent to NSKFDC for sanction of the loan.
Q: Is there an income limit for applicants?
A: No, there is no income limit for applicants under this scheme.
Q: What is the age limit for applicants?
A: The applicant's age should be between 18 and 55 years.
Eligibility Criteria
The applicant should be a permanent resident of Haryana.
The applicant should be a female.
The applicant&#39;s age should be between 18 and 55 years.
There is no income limit.
The applicant should be either a woman Safai Karamchari or a dependent daughter of Safai Karamchari.
**Note 1:** Permanent Safai Karamchari means a person engaged in, or employed for any sanitation work and includes his/her dependents.
**Note 2:** The applicant shall have to produce a Certificate of Safai Karamchari or dependent of Safai Karamchari from the Head of the Government Departments (i.e. School, Colleges, Forest, Health, Education, Animal Husbandry having rank not less than Gazetted Officer), elected members of Municipal Body/ Corporation and Pradhan of Gram Panchayats, Local Revenue Officer or an Officer of Local Municipal Office, or Cantonment Executive Officer of the Cantonment or an officer of the Railways not below the rank of gazette officer.
Benefits
**Project Cost Ceiling:**
The Corporation (HSFDC), in collaboration with NSKFDC, provides loans of up to ₹2,00,000/- per beneficiary/unit for small and petty trade/business and various income-generating activities.
**Margin Money:**
The Corporation provides margin money @ 10% of the project cost.
**Subsidy:**
The corporation provides a subsidy @ 50% of the total project cost (Maximum subsidy amount is ₹10,000/-).
**Note:** The subsidy is only provided to the beneficiary below the poverty line.
> **Interest criteria for the loan amount recoverable by HSFDC:**
**Upto Amount (₹)****Interest % P.A.****Penal Interest % P.A**.2,00,000/-54<br>
**Interest Starts on****Penalty Start After****Principal Recovery Starts After****Installment Starts After** **Installment Period**Same day30 days120 days120 days30 days
Required Documents
| # | Document |
|---|---|
| 1 | Aadhaar Card |
| 2 | Ration Card |
| 3 | Safai karamchari or dependent of Safai karamchari Certificate issued by the competent authority |
| 4 | Any other documents as required |
Frequently Asked Questions
The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).