MAYNSKFDC-H

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.

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.

• The applicant should be a permanent resident of Haryana.
• The applicant should be a female.
• The applicant'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.

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

Interest Starts onPenalty Start AfterPrincipal Recovery Starts AfterInstallment Starts After Installment PeriodSame day30 days120 days120 days30 days