Loan Based Schemes For Safai Karamchari - General Term Loan (GTL)
State: Central
Ministry: Ministry Of Social Justice and Empowerment
Department: null
Category: Business & Entrepreneurship, Banking,Financial Services and Insurance, Social welfare & Empowerment, Utility & Sanitation
Beneficiary Type: Individual, Registered Societies

A general term loan scheme by the Ministry of Social justice and Empowerment for Safai Karamchari, Manual Scavengers, and their dependants aged 18 years and above.

Benefits:
> **Financial Assistance:**

1. The applicant can avail a term loan for viable income-generating schemes, including sanitation-related activities.
1. The maximum project cost covered under the scheme is ₹15,00,000/-.
1. The General Term Loan can be provided up to a maximum of 90% of the unit

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**Loan Amount****Interest Rate Chargeable to SCA****Interest Rate Chargeable to Beneficiary**Up to ₹15,00,000/-4.5% per annum9% per annum<br>

> **Promoter’s Contribution:**

- Promoter’s contribution is not insisted upon for projects costing up to ₹2,00,000/-.
- For projects costing more than ₹2,00,000/-, the minimum promoter’s contribution required from the beneficiary is 5%.
- The SCA is required to provide a 5% contribution.
- The remaining 10% share of the unit cost is provided by SCAs through a loan, subsidy, promoter’s contribution, or any other available source of funds.

> **Repayment Period:**

- The repayment period is up to 10 years.
- The repayment period starts after an implementation period of 4 months and a moratorium period of 6 months.
- The repayment period is calculated from the date of disbursement of the loan.
- The repayment period depends on the viability/profitability and repayment capacity of the unit.

> **Mode of Disbursement:** Term loans are extended through:

- State Channelising Agencies (SCAs)
- Regional Rural Banks (RRBs)
- Nationalised Banks

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Eligibility:
1. Safai Karamcharis (including Wastepickers) identified Manual Scavengers and their dependents.
1. Registered co-operative societies of Safai Karamcharis.
1. Legally constituted association/firm promoted by the target group, and
1. All those who produce a certificate from the local Revenue Officer/local Municipal Officer/Cantonment Executive Officer/Railway Officer, Head of the Government. 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. However, under the MS Act, 2013, a person identified as a Manual Scavenger in a survey need not provide any certificate once his/her name appears in the final list of Manual Scavengers prepared by State Governments/Union Territory Administration. ([https://nskfdc.nic.in/en/content/home/ms-survey-2018](https://nskfdc.nic.in/en/content/home/ms-survey-2018), [https://nskfdc.nic.in/en/node/79798](https://nskfdc.nic.in/en/node/79798)). 1. No income limit is fixed for availing financial assistance.  However, other things being equal, NSKFDC accords priority to economic development and rehabilitation of –

- 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.

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Application Process:
[Offline]
Interested eligible person shall contact the nearest Channelling Agency: (https://nskfdc.nic.in/en/content/home/list-channelizing-agencies)The applicant should approach the concerned State Channelising Agency (SCA), Regional Rural Bank (RRB), or Nationalised Bank for applying under the scheme.
The applicant should obtain the application form from the concerned implementing agency.
The applicant should fill in the required details in the application form and submit it to the concerned agency.
The concerned agency will process the application and assess the viability/profitability and repayment capacity of the proposed unit.
After approval, the term loan assistance is extended through the concerned channelising agency/bank.

Documents Required:
Indicative DocumentsAadhaar Card (not mandatory)
Occupation Certificate