Mahila Samridhi Yojana under NSKFDC- Haryana
Welfare of Scheduled Caste & Backward Classes Department
Last updated:
Overview
This scheme offers loans up to ₹1,00,000/- to women Safai Karamcharis or their dependents for economic development through self-employment initiatives, such as establishing cloth shops, dairies, tea shops, bangle shops, beauty parlours, papad making, basketry, tailoring shops, etc.
Details
The scheme "Mahila Samridhi 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. This scheme offers loans up to ₹1,00,000/- to women Safai Karamcharis or their dependents for economic development through self-employment initiatives, such as establishing cloth shops, dairies, tea shops, bangle shops, beauty parlours, papad making, basketry, tailoring shops, etc. The Corporation contributes margin money at 10% of the project cost.
Benefits
• **Project Cost Ceiling:**
• The Corporation (HSFDC), in collaboration with NSKFDC, provides loans of up to ₹1,00,000/- per beneficiary/unit for various economic development 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 amount of subsidy is ₹10,000/-).
• **Note:** The subsidy is provided only to the beneficiary living below the poverty line.
• > **Interest criteria for the loan amount recoverable by HSFDC:**
• **Upto Amount(₹)****Interest % P.A.****Penal Interest % P.A.**10000044<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 Samridhi 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: What is the maximum loan amount provided under this scheme?
A: The maximum loan amount provided under this scheme is [?]1,00,000/-.
Q: What types of self-employment initiatives are eligible for this loan?
A: Eligible self-employment initiatives include cloth shops, dairies, tea shops, bangle shops, beauty parlours, papad making, basketry, tailoring shops, and similar activities.
Q: What is the margin money contribution by the Corporation?
A: The Corporation contributes margin money amounting to 10% of the project cost.
Q: Is there any subsidy provided under this scheme?
A: Yes, the Corporation provides a subsidy of 50% of the total project cost, with a maximum 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 are the eligibility criteria for applying to this scheme?
A: The applicant should be a permanent resident of Haryana, female, aged between 18 and 55 years, and either a Safai Karamchari or a dependent of one. There is no income limit.
Q: Who qualifies as a permanent Safai Karamchari?
A: A permanent Safai Karamchari is a person engaged in or employed for any sanitation work, including their dependents.
Q: Is there an income limit for applying to this scheme?
A: No, there is no income limit for applying to this scheme.
Q: Can male dependents of Safai Karamcharis apply for this scheme?
A: No, the scheme is exclusively for female Safai Karamcharis or their female dependents.
Q: How can one apply for this scheme?
A: Applicants can apply online through the official portal Antyodaya-SARAL Portal or the official website of NSFDC.
Q: What happens after the loan application is submitted?
A: The loan applications are scrutinized and verified by District Managers, and eligible cases are sent to NSKFDC for loan sanction. Once sanctioned, the requisite amount is disbursed to the beneficiaries.
Q: Can the loan be used for any type of business?
A: The loan can be used for specific self-employment initiatives approved under the scheme, such as cloth shops, dairies, tea shops, etc.
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 ₹1,00,000/- per beneficiary/unit for various economic development 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 amount of subsidy is ₹10,000/-).
**Note:** The subsidy is provided only to the beneficiary living below the poverty line.
> **Interest criteria for the loan amount recoverable by HSFDC:**
**Upto Amount(₹)****Interest % P.A.****Penal Interest % P.A.**10000044<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).