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This scheme provides loans up to ₹1,00,000/- to women Safai Karamcharis or their dependents in Haryana to Read More... start their own businesses like cloth shops, dairies, or beauty parlours. Read less

Details

The Haryana Scheduled Castes Finance and Development Corporation (HSFDC), in partnership with the National Safai Karamcharis Finance & Development Corporation (NSKFDC), has launched the Mahila Samridhi Yojana. This initiative aims to empower women Safai Karamcharis and their families by providing financial support for self-employment ventures.

Established in 1971, HSFDC is a government-owned corporation with shared stakes from both the Haryana State Government and the Government of India. The Mahila Samridhi Yojana focuses on enabling women from this community to achieve economic independence.

What Is This Scheme?

The Mahila Samridhi Yojana offers financial assistance in the form of loans to women who are Safai Karamcharis or their dependents. The goal is to help them set up or expand small businesses. This can include a wide range of self-employment opportunities, from running a small shop to providing services like beauty treatments.

Who Can Benefit From This Scheme?

This scheme is specifically designed for women who are permanent residents of Haryana. This includes women who are Safai Karamcharis themselves or are the daughters of Safai Karamcharis. The age bracket for applicants is between 18 and 55 years. Importantly, there is no income limit to apply, making it accessible to a wider group.

Why This Scheme Is Important

The Mahila Samridhi Yojana plays a crucial role in fostering economic development among a vulnerable section of society. By providing access to credit and subsidies, it encourages entrepreneurship, creates livelihood opportunities, and helps women achieve financial stability and independence. The scheme directly addresses the need for economic empowerment for Safai Karamcharis and their families.

Objective

This scheme provides loans up to ₹1,00,000/- to women Safai Karamcharis or their dependents in Haryana to start their own businesses like cloth shops, dairies, or beauty parlours.

Benefits

60% subsidy of interest charged by Bank with an upper ceiling of ₹60,00,000/- per annum for a period of 5 years OR, for the period of repayment of loan whichever is earlier.
Additional 10% subsidy will be provided to Export oriented Carpet industry upto a maximum ₹70,00,000/- per annum.

Sources and references

Guidelines

Eligibility Criteria

Must be a permanent resident of Haryana.
Applicant must be female.
Age must be between 18 and 55 years.
No income limit is specified for applicants.
Applicant must be a woman Safai Karamchari or a dependent daughter of a Safai Karamchari.

Important Note: A 'Permanent Safai Karamchari' includes anyone engaged in sanitation work and their dependents. Proof of Safai Karamchari status or dependency needs to be certified by a competent authority like a Gazetted Officer, elected Municipal representative, Gram Panchayat Pradhan, or a Local Revenue/Municipal Officer.

How To Apply

Interested applicants can apply online through the Antyodaya-SARAL Portal or the official website of NSKFDC.
The submitted applications are reviewed and verified by the District Managers.
Eligible applications are forwarded to NSKFDC for loan sanction.
Once sanctioned, the approved loan amount is disbursed to the beneficiaries.

Documents Required

Aadhaar Card
Ration Card
Certificate confirming Safai Karamchari status or dependent status, issued by the competent authority.
Any other documents as may be required by the authorities.

FAQ’s

What is the primary objective of the Mahila Samridhi Yojana?

The main goal of this scheme is to provide financial assistance to women Safai Karamcharis and their dependents in Haryana to help them become self-employed and financially independent.

What kind of businesses can I start with the loan from this scheme?

You can use the loan for various self-employment ventures like opening a cloth shop, dairy farm, tea stall, bangle store, beauty parlour, making papads, basketry, or starting a tailoring shop, among other similar income-generating activities.

What is the interest rate on the loans provided?

The loan amount up to ₹1,00,000/- comes with a very low interest rate of 4% per annum.

How is the loan repayment structured?

The repayment of the principal amount begins 120 days after the loan is disbursed. Installments are to be paid within a period of 30 days each.

Can anyone in Haryana apply for this scheme?

No, the scheme is specifically for women who are permanent residents of Haryana. They must be either Safai Karamcharis or their dependent daughters, and fall within the age group of 18 to 55 years.

Is there any financial limit to what a beneficiary can earn to apply?

No, there is no income limit. This means your current earnings do not affect your eligibility to apply for this scheme.

How much subsidy can I receive under this scheme?

If you are living below the poverty line, you can receive a subsidy of 50% of the total project cost, with a maximum subsidy amount of ₹10,000/-.

Who issues the certificate needed to prove Safai Karamchari status?

The certificate can be issued by a competent authority. This includes Heads of Government Departments (not below Gazetted Officer rank), elected members of Municipal Bodies, Pradhans of Gram Panchayats, Local Revenue Officers, or similar officials.

What happens if I miss a loan installment payment?

A penal interest will be charged if the payment is delayed by more than 30 days from the due date.

Where can I find the online application form?

You can apply online by visiting the official Antyodaya-SARAL Portal or checking the official website of the National Safai Karamcharis Finance & Development Corporation (NSKFDC).

What is the role of HSFDC in this scheme?

HSFDC, the Haryana Scheduled Castes Finance and Development Corporation, is the implementing body in Haryana, working in collaboration with NSKFDC.