Deen Dayal Disabled Rehabilitation Scheme 2026

This scheme helps the handloom sector by providing timely bank loans for their working capital and term Read More... loan needs, making credit flexible and affordable. Read less

Details

The Indian handloom sector is getting a significant boost with the National Handloom Development Programme, which includes a special component for concessional credit and MUDRA loans for weavers.

What Is This Scheme?

The Concessional Credit/Weaver MUDRA Scheme is part of the larger National Handloom Development Programme (NHDP). Launched by the Ministry of Textiles, Government of India, its main goal is to ensure handloom weavers and their organizations get timely and adequate financial support from banks. This helps them meet their credit needs for both long-term investments (term loans) and day-to-day operations (working capital) in a way that's flexible and doesn't strain their finances.

Who Can Benefit From This Scheme?

The scheme is designed to support a wide range of entities within the handloom ecosystem. This includes individual handloom weavers actively involved in weaving, entrepreneur weavers, self-help groups (SHGs), and joint liability groups (JLGs). It also extends support to various handloom organizations like primary handloom weavers' co-operative societies, apex handloom weavers' co-operative societies, state handloom corporations, and producer companies or consortia formed by handloom weavers, including those supported under government initiatives like SITP.

Why This Scheme Is Important

Access to affordable credit is crucial for the survival and growth of the handloom sector. This scheme addresses that need by providing financial assistance through participating banks. It aims to empower weavers by offering them better access to funds, helping them scale up production, improve their livelihoods, and preserve the rich heritage of Indian handlooms.

Objective

This scheme helps the handloom sector by providing timely bank loans for their working capital and term loan needs, making credit flexible and affordable.

Benefits

The Deen Dayal Disabled Rehabilitation Scheme (DDRS) provides a wide range of benefits to persons with disabilities, including:

Early intervention: The DDRS provides financial assistance to voluntary organizations for early intervention programs for children with disabilities. These programs help to identify and address developmental delays early on, which can improve the child's long-term outcomes.

Development of daily living skills: The DDRS provides financial assistance to voluntary organizations for programs that help persons with disabilities to develop the skills they need to live independently. These programs may include training in activities such as cooking, cleaning, and personal care.

Education: The DDRS provides financial assistance to voluntary organizations for educational programs for children and adults with disabilities. These programs may include mainstream education, special education, and vocational training.

Skill development oriented towards employability:The DDRS provides financial assistance to voluntary organizations for skill development programs that help persons with disabilities to find employment. These programs may include training in computer skills, office skills, and trade skills.

Training and awareness generation:The DDRS provides financial assistance to voluntary organizations for training programs for staff and caregivers of persons with disabilities. These programs help to build capacity and raise awareness about disability issues.

Construction and upgradation of infrastructure facilities for persons with disabilities: The DDRS provides financial assistance to voluntary organizations for the construction and upgradation of infrastructure facilities for persons with disabilities. This may include ramps, accessible toilets, and specialized equipment.

In addition to these direct benefits, the DDRS also helps to promote the empowerment of persons with disabilities by supporting voluntary organizations that work to advocate for their rightsThe following are the 9 Model Projects :-

Pre-School, Early Intervention and Training Special Schools for:-

Children with Intellectual Disabilities
Children with Hearing & Speech Disabilities
Children with Visual Disabilities

Project for Cerebral Palsied Children

Project for Rehabilitation of Leprosy Cured Persons

Half Way Home for Psycho-Social Rehabilitation of Treated and Controlled people with mental Illness

Home Based Rehabilitation Programme/Home Management Programme

Project for Community Based Rehabilitation

Project for Low Vision Centers

Projects for Human Resource Development

Sources and references

Guidelines

Eligibility Criteria

The following entities can apply for loans from participating banks and financial institutions:

Handloom weavers who are actively involved in weaving.
Weaver entrepreneurs.
Self Help Groups (SHGs).
Joint Liability Groups (JLGs).
Handloom organizations, including primary handloom weavers’ co-operative societies.
Apex handloom weavers’ co-operative societies and state handloom corporations.
Producers’ Companies or Consortia formed by handloom weavers, including those supported under schemes like SITP or other Ministry of Textiles programs.

Important Considerations:

Individual weavers who have already received margin money assistance cannot apply for additional financial help as part of a handloom organization, SHG, etc.
For beneficiaries who have previously taken a MUDRA loan and repaid it, a fresh loan can be sanctioned after one year of repayment. All beneficiaries are eligible for margin money. However, interest subsidy and credit guarantee fees are exclusively for Handloom Organizations.

How To Apply

Interested and eligible beneficiaries should approach their nearest participating bank or financial institution. Be sure to carry all the necessary documents mentioned below to complete your loan application and avail the benefits under the scheme.

Documents Required

Identity card issued by the Office of the Development Commissioner (Handlooms).
Yarn passbook.
Identity card issued by the State Government.
For Handloom Organizations: Registration Certificate, Balance Sheet, Profit & Loss Account, and a list of registered weavers.

Official Sources

For detailed information and application forms, please refer to the official notifications from the Ministry of Textiles or visit the relevant department websites.

FAQ’s

Who is eligible to apply for a loan under this scheme?

You can apply if you are a handloom weaver, a weaver entrepreneur, part of a Self Help Group or Joint Liability Group, or a handloom organization like a co-operative society, state handloom corporation, or a producer company promoted by weavers.

What kind of financial support can handloom organizations expect?

Handloom organizations can receive margin money assistance up to ₹20.00 lakh, which is 20% of the loan amount or ₹2.00 lakh for every 100 weavers/workers. They are also eligible for subsidized loans at 6% interest for three years and credit guarantee cover.

Can an individual weaver get margin money assistance if they've already received it before?

No, if an individual weaver has already received margin money assistance, they are not eligible for further financial aid under this scheme, even if applying as part of an organization or group.

How long does the interest subsidy last?

The interest subsidy is available for a maximum of 3 years, starting from the date the loan was first disbursed.

What is the maximum loan amount covered under MUDRA for this scheme?

Loans up to ₹10.00 lakhs are covered under the MUDRA component of this scheme.

Where does the margin money assistance go for handloom organizations?

The margin money assistance is transferred directly into the loan account of the handloom organization.

How is the interest subsidy and credit guarantee fee handled?

The interest subsidy and credit guarantee fee are transferred directly to the bank that has provided the loan.

What happens if I have taken a MUDRA loan before?

If you have repaid a previous MUDRA loan, you can apply for a new loan under this scheme after one year from the repayment date. Margin money is available to all, but interest subsidy and credit guarantee are only for Handloom Organizations.

Which banks can I approach to apply for this scheme?

You can approach any Scheduled Commercial Bank, Regional Rural Bank, State Cooperative Bank, District Central Co-operative Bank, or any other financial institution approved by the Ministry of Textiles.

What is the main goal of the Concessional Credit/Weaver MUDRA Scheme?

The scheme aims to provide easy and affordable bank credit to the handloom sector to help them fund their business needs, like buying raw materials and equipment, in a cost-effective way.

What documents are needed to apply?

You'll need an identity card from the Office of the DC (Handlooms) or the State Government, and a Yarn Passbook. Handloom organizations also need their registration certificate, balance sheet, P&L account, and a list of weavers.

What is the loan interest rate for handloom organizations?

Eligible handloom organizations can get subsidized loans at a concessional interest rate of 6% per annum for up to three years.