Divyangjan Swavalamban Yojana NHFDC Online Apply

Divyangjan Swavalamban Yojana NHFDC Online Apply – The main objective of the Divyangjan Swavalamban Yojana is to assist the needy disabled persons by providing concessional loan for economic and overall empowerment. NHFDC provides financial assistance in terms of loan to Persons with Disabilities for starting any activity contributing directly or indirectly in the income generation or helping PwD in their overall process of empowerment through implementing agencies throughout the country including West Bengal. Any Indian citizen with 40% or more disability and age above 18 years can apply for loan under NHFDC scheme for self employment. (In case of persons with mental retardation, age is relaxed to 14 years in place of usual 18 years). The age criteria would not be required for educational loans.

अपंगांसाठी महाराष्ट्र शासनाच्या योजना येथे पहा

दिव्यांगजन स्वावलंबन योजना :- एनएचएफडीसी दिव्यांग व्यक्तींना स्वयंरोजगारासाठी 5-9% व्याज दराने जास्तीत जास्त 50.0 लाखांपर्यंत कर्ज प्रदान करते. (स्वयंरोजगार कर्जामध्ये OH व्यतिरिक्त अपंग/अपंग असलेल्या महिलांना रु. पर्यंतच्या कर्जामध्ये व्याजात 1% सूट दिली जाईल.

Purpose of Divyangjan Swavalamban Scheme

1. To provide concessional credit for the benefit of the persons with disabilities (Disability as defined in PwD Act, 2016 or its amendments) for:
2. Starting any activity contributing directly or indirectly in the income generation or helping PwD in their overall process of empowerment.
3. Pursuing higher education after class 12th (UG, PG,Professional courses and other courses approved by UGC/AICTE/ICAR/ Government etc)
4. Pursuing vocational or skill development (ITI, Diploma any other course leading to enhancement of employment or self employment)
5. Purchase and/or fitment of any assistive device(s)/ customization/ retrofitting or conversion of available machine, equipment, vehicle to disabled friendly mode

Objective of Divyangjan Swavalamban Yojana

• The main objective of the Scheme is to assist the needy disabled persons by providing concessional loan for economic and overall empowerment.

Eligibility criteria

1. Any Indian citizen with 40% or more disability (Disability as defined in PwD Act, 2016 or its amendments).
2. Age above 18 years. However, in case of persons with mental retardation, the eligible age would be above 14 years. The age criteria would not be required for educational loans. Age certificate issued by competent authority authorized by the State Government or as mentioned in the 10th certificate or any other certificate issued by the government would be the required document.

How to apply for Divyangjan Swavalamban Scheme

1. Application in the prescribed format is to be submitted to the implementing agency for sanction of loan as per procedure & general terms & conditions as laid down, from time to time, by National Handicapped Finance and Development Corporation.
2. Rights of NHFDC : In case of any dispute, decision of the CMD, NHFDC will be final & binding
3. Other Terms and Conditions : Other terms & conditions for the Scheme will be as per the guidelines issued by NHFDC for credit based funding schemes.

Rate of Interest for lending

NHFDC provides maximum loan upto 50.0 lakh to Persons with disabilities for self-employment activity at the rate of interest 5-9% p.a. (A rebate of 1% in interest will be allowed to women with disabilities/persons with disabilities other than OH in self employment loans of upto Rs.50,000/-). The financial assistance extended by NHFDC shall carry simple interest at the following rates per annum, wherever specific rates are not provided in the concerned loan schemes

Rebate : A rebate of 1% in interest will be allowed to women with disabilities/persons with
disabilities other than OH in self employment loans of upto Rs.50,000/- . The rebate will be borne by NHFDC.

अपंग मोफत बस पास योजने बद्दल संपूर्ण माहिती आणि ऑनलाईन रेजिस्ट्रेशन

Amount of Loan

The upper limit to extend concessional credit through various NHFDC schemes would be Rs.50.0 lakhs per beneficiary/unit. The actual loan amount within the upper limit of Rs.50.0 lakhs shall be determined by implementing agencies based on the needs of the activity/project being funded as well as repaying capacity of the borrower within the maximum repayment period.

1. Type of loan : The nature of the loan could be term loan /working capital loan/ promoter contribution towards the loans being sanctioned by other financial institutions.
2. Repayment of Loan : SCAs would be at liberty to decide activity wise/ case-wise repayment schedule within overall limit of 10 years from the date of disbursement of loan.
3. PREPAYMENT : The borrower can repay the loan any time after commencement of repayment without having to pay any prepayment charges.

Security Divyangjan Swavalamban Yojana NHFDC

1. Implementing Agencies should strive to seek requisite security as per their respective policies and may also try to cover any portion of the loan not covered with ample security/collateral security through Central Government Guarantee schemes. In order to further securitize the loan, implementing agencies may also consider co-opting family member, as defined in Companies Act, as the co-applicant in the loan.
2. The implementing agencies should ensure adequate insurance coverage of the assets and beneficiaries. The cost of insurance coverage of the beneficiaries should be borne under various insurance schemes implemented by Central and State Government & Insurance companies for weaker sections. The insurance cost of assets should be part of the project cost and should be funded as such.

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