Loan based Scheme for Pay and Use Community Toilets
State: Central
Ministry: Ministry Of Social Justice and Empowerment
Department: null
Category: Banking,Financial Services and Insurance, Social welfare & Empowerment, Utility & Sanitation
Beneficiary Type: Individual, Self Help Groups (SHGS)

The “Pay and Use” Community Toilets Scheme under Swachhta Udyami Yojana by NSKFDC offers concessional loans to Safai Karamcharis and their dependents for setting up public toilet units, promoting sanitation, livelihood, and dignity.

Benefits:
1. **Livelihood:** Enables Safai Karamcharis to shift from manual scavenging to a respectable, income-generating sanitation business.   1. **Collateral-Free, Low-Interest Loan:** Offers up to ₹25 lakh without collateral, at just 4% interest (even lower for women and timely repayment).   1. **Moratorium period:** Six Months in addition to implementation period of six months.   1. **Repayment period:** 10 Years after implementation period of 180 days and moratorium of 180 days   1. **Entrepreneurship Opportunity:** Encourages self-employment by allowing beneficiaries to construct and operate public “Pay and Use” toilet units.

Eligibility:
Indian citizens aged 18 years or above are eligible belonging to the category of:

   1. Safai Karamcharis
   1. Manual scavengers
   1. Dependents of the above groups

Individual beneficiaries/ self-help groups from the target group of NSKFDC, through State Channelizing Agencies (SCAs), in collaboration with reputed organizations are eligible to apply for the scheme.
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**Note:**

   1. Scavenger/Safai Karamchari and their dependents duly identified under the National Scheme for Liberation &amp;amp; Rehabilitation of Scavengers (NSLRS) in a survey/registered co-operative societies of Safai Karamcharis/legally constituted association/firm promoted by the target group and also all those who produce a certificate from 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;amp; Pradhan of Gram Panchayats for which the State Govt. is required to issue necessary notification, Regional Managers of the Regional Rural Banks/Nationalised Banks. 
   1. However, under the MS Act, 2013, a person identified as Manual Scavenger in a survey need not to provide any certificate once his/her name appeared in the final list of Manual Scavengers prepared by State/UT Governments.

Application Process:
[Online]
Loan applications are submitted by the applicants to the district offices of SCAs of NSKFDC of RRBs and Nationalised Banks.
These applications are then sent to the head offices where the project proposal is appraised by SCA/RRBs/Nationalised Banks and the projects are sent back to NSKFDC along with recommendations.
The Project Appraisal Committee of NSKFDC then appraises the proposals and after finding them in order places it in front of their board of directors for their approval.
Once the board of directors approves the project, the letter of sanction is issued by SCAs/ RRBs/Nationalised Banks.
Once all the terms and conditions have been accepted, the necessary documents and funds are then released to the concerned beneficiaries.
NSKFDC released the funds with the receipt of demand being made from the SCAs/ RRBs/Nationalised Banks after taking into consideration all the parameters of release as per the Lending Policies & Guidelines (LPG) of NSKFDC.

[Offline]
Interested eligible person shall contact nearest Channeling Agency. 
The list of state wise Channelizing Agencies may be accessed by visiting the website.

Documents Required:
Proof of identity (e.g., Aadhaar card, voter ID).
Proof of age (e.g., birth certificate, school certificate).
Project proposal detailing the plan for the Pay & Use Community Toilet.
Proof of occupation as a Safai Karamchari or manual scavenger (if applicable).
Any other documents as specified by the Channelizing Agency.​