“National Safai Karamchris Finance & Development Corporation”(NSKFDC), an Apex Corporation was set up for the socio economic development of Safai Karamcharis/Scavengers and their dependants through its various schemes.
NSKFDC was incorporated on 24th January, 1997 under Section 25 of the Companies Act as a ‘Not For Profit’ Organization. NSKFDC is a wholly owned Government Undertaking under the aegis of Ministry of Social Justice & Empowerment. NSKFDC commenced its operations in October,1997. The Company has an authorized capital of Rs. 600 crores and paid-up capital of Rs 544.99 crores as on date.
The primary objective of NSKFDC is to eradicate terrible inhumane and evil practice of Manual Scavenging and to strengthen socio-economic development of Safai Karamcharis/Scavengers and their dependents by providing financial assistance in the form of various Loan Schemes and Training Programmes for upgrading their skills through State Channelising Agencies (SCAs) nominated by State Governments/ UTs , Regional Rural Banks (RRBs) and Nationalised Banks across the Country.
In addition, NSKFDC has also been providing Educational Loans upto Rs. 10 lacs for study in India and Rs. 20 lacs for study abroad.
Since inception, NSKFDC has disbursed an amount of Rs. 1454.45 crore till 31st May 2017 assisting 332568 beneficiaries across India.
SCHEMES AT A GLANCE:
|Sl. No.||Name of the scheme||Maximum Limit||Rate of interest to||Repayment period|
|A||Loan based schemes|
|1.||Mahila Samridhi Yojana (MSY)||Upto Rs.50000||1% p.a.||4% p.a.||3 years*|
|2||Mahila Adhikarita Yogana (MAY)||Upto Rs.75000||2% p.a.||5% p.a.||5 years *|
|3||Micro Credit Finance (MCF)||Upto Rs. 50000||2% p.a.||5% p.a.||3 years*|
|4||General Term Loan (GTL)||Upto Rs.15 lacs||3% p.a.||6% p.a.||10 years*|
||Swachhta Udyami Yojana – “Swachhta se Sampannta Ki Aur”|
|a) Scheme for Pay and use toilets||Upto Rs.25 lacs||4% p.a. @||10 years**|
|b)Scheme for procurement of sanitation related vehicles||Upto Rs.15 lacs||4% p.a. @||10 years *|
|6||Sanitary Marts Scheme||Upto Rs. 15 lacs||4% p.a.@||10 years*|
|7||Education loan (EL)
-For study in India
-For study abroad
|Upto Rs.10 lacs
Upto Rs.20 lacs
|1% p.a.||4% p.a.#||
5 years after co-termination of course with moratorium period of one year.
|8||Green Business Scheme||Upto Rs.2 lacs||
*(1% Rebate from NSKFDC share of interest in case of Female Beneficiaries.)
*After implementation period of 3 months and moratorium of 6 months
** After implementation period of 6 months and moratorium of 6 months
*** Including Moratorium of 6 months
@1% rebate for women beneficiaries and 0.5% rebate for timely repayment.
|B||Non-loan based schemes|
|1.||Skill Development Training Programme||100% in the form of grant with a stipend of Rs.1500 per month/per candidate.|
|2.||Job Fair||Reimbursement of expenditure for holding job fairs upto
Rs. 50000/- per job fair.
|3.||Awareness programme||Reimbursement of expenditure for organizing awareness programme upto Rs. 30000/- per awareness programme.|
|4.||Workshops||Reimbursement of expenditure upto Rs. 25000 per workshop.|