Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur
State: Central
Ministry: Ministry Of Social Justice and Empowerment
Department: null
Category: Utility & Sanitation, Business & Entrepreneurship, Banking,Financial Services and Insurance, Social welfare & Empowerment
Beneficiary Type: Individual, Self Help Groups (SHGS), Joint Liability Groups (JLGS)

The scheme aims to ensure mechanised cleaning and provide related safe and sustainable livelihood opportunities to Safai Karamcharis and liberated Manual Scavengers. The Financial assistance is provided for the procurement and operation of sanitation-related equipment and vehicles for the target.

Benefits:
**1.** **Financial Assistance to Target Group Through Channelising Agencies:**
**Beneficiary****Maximum Project Cost****Rate of Interest to Beneficiary****Repayment Period****Individual**₹15,00,000 6% per annum*Up to 7 years**Self-Help Group (SHG) / Joint Responsibility Group (JRG) / Cooperative / Dry Waste Collection Centre**₹50,00,0006% per annum*Up to 7 years> **Conditions Associated with Benefits:**

- Financial assistance is provided through Channelising Agencies.
- Channelising Agencies are charged 3% per annum by NSKFDC.
- Beneficiaries are charged 6% per annum.
- Women beneficiaries receive a 1% rebate.
- A 0.5% rebate is available for timely repayment.

**2.** **Financial Assistance to Urban Local Bodies:****** 
Financial assistance for procurement of sanitation-related equipment and vehicles costing up to ₹75,00,000 per unit.
> **Additional Support:** 

> Gap funding through concessional loans for:

- Municipal Solid Waste Management.
- Construction of Pay and Use Community/Public Toilets.
- Waste-to-Compost Units.
- Waste Collection and Segregation Units.
- Conditions Associated with Benefits

> **Interest Rate:** 7% per annum.

> **Rebate:** 1% for timely repayment.

> **Repayment Period:** 7 years.

<br>

Eligibility:
1. The applicant should be a Safai Karamchari (including a Waste Picker), an identified Manual Scavenger, or their dependent.
1. The applicant may be a registered cooperative society of Safai Karamcharis.
1. The applicant may be a legally constituted association or firm promoted by the target group.
1. The applicant should produce a certificate issued by the local Revenue Officer/local Municipal Officer/Cantonment Executive Officer/Railway Officer, Head of the Govt. Departments (i.e. Schools, Colleges, Forest, Health, Education, Animal Husbandry) having rank not less than Gazetted Officer, Elected Members of Municipal Body &amp; Pradhan of Gram Panchayats, Regional Managers of Regional Rural Banks(RRBs)/Nationalised Banks.
1. The applicant identified as a Manual Scavenger under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, is not required to furnish a certificate if their name appears in the final list of Manual Scavengers prepared by the State Government or Union Territory Administration.
1. The project proposed by the applicant should be financially viable and capable of generating income.
1. Scavengers and amongst scavengers those scavengers  whose income is below double the poverty line;

  - Women from among the target group and
  - Disabled persons among the target group.

<br>

Application Process:
[Offline]
Step 1: The applicant submits the loan application to the District Office of the State Channelizing Agency (SCA) of NSKFDC or to a Branch of a Regional Rural Bank (RRB) or Nationalised Bank.
Step 2: The District Office of the SCA or the Branch of the RRB/Nationalised Bank scrutinises the application and forwards it to its Head Office.
Step 3: The SCA, RRB, or Nationalised Bank appraises the project's viability and forwards viable proposals to NSKFDC along with its recommendations.
Step 4: The Project Appraisal Committee of NSKFDC examines the proposal.
Step 5: Proposals found to be in order are placed before the Board of Directors of NSKFDC for consideration and sanction.
Step 6: After approval, NSKFDC issues a Sanction Letter (Letter of Intent) to the concerned SCA, RRB, or Nationalised Bank for acceptance.
Step 7: The SCA, RRB, or Nationalised Bank accepts the sanction terms and conditions and executes the required loan agreement and other documents.
Step 8: NSKFDC releases funds to the SCA, RRB, or Nationalised Bank based on demand and in accordance with the Lending Policies and Guidelines (LPG) of NSKFDC.
Step 9: The SCA, RRB, or Nationalised Bank disburses the sanctioned financial assistance to the beneficiary.

Documents Required:
Duly Filled Loan Application Form.
Identity Proof.
Address Proof.
Certificate Establishing Status as Safai Karamchari, Waste Picker, Manual Scavenger, or Dependent (issued by the competent authority).
Final List Identification Proof of Manual Scavenger (for applicants identified under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, if applicable).
Registration Certificate of Cooperative Society (for registered cooperative societies).
Registration Documents of Association/Firm (for legally constituted associations or firms).
Project Report/Project Proposal.
Quotations or Proforma Invoices for Equipment/Vehicles Proposed to be Procured.
Bank Account Details.
Passport-Size Photographs.
Work Assurance Letter from Urban Local Body (where applicable).
Loan Agreement and Other Documents as Required by the State Channelising Agency, Regional Rural Bank, or Nationalised Bank.