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.
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.
सामाजिक न्याय और अधिकारिता मंत्रालय द्वारा शुरू की गई भुगतान और उपयोग सामुदायिक शौचालय योजना का उद्देश्य सफाई कर्मचारियों और उनके आश्रितों को आजीविका से जुड़े स्वच्छता उद्यमिता के माध्यम से सशक्त बनाना है। यह राष्ट्रीय सफाई कर्मचारी वित्त और विकास निगम (एन. एस. के. एफ. डी. सी.) द्वारा कार्यान्वित एक ऋण आधारित योजना है। ऋण चैनलाइजिंग एजेंसियों (सी. ए.) के माध्यम से दिए जाते हैं। लक्षित समूह के लिए राज्य चैनलाइजिंग एजेंसियां (एस. सी. ए.), क्षेत्रीय ग्रामीण बैंक (आर. आर. बी.) और सार्वजनिक क्षेत्र के बैंक (पी. एस. बी.)। इस योजना का मुख्य उद्देश्य सफाई कर्मचारियों, हाथ से मैला साफ करने वालों और उनके आश्रितों के बीच उद्यमिता को बढ़ावा देना है ताकि सामुदायिक शौचालयों को "भुगतान और उपयोग" करने के लिए वित्तीय सहायता प्रदान की जा सके। * * उद्देश्यः * * 1। घरों में सामुदायिक शौचालयों की आसान पहुंच (उनके घरों में ऐसी कोई सुविधा नहीं है) और अधिक भीड़ वाले सार्वजनिक स्थानों पर तैरती आबादी के लिए प्रावधान। बस स्टैंड, रेलवे स्टेशन, बाजार आदि। 1. सुविधाओं का उचित रखरखाव सुनिश्चित करना। 1. हाथ से सफाई की आवश्यकता को रोकने के लिए। * * प्रमुख विशेषताएंः * * 1. निर्माण और संचालन के लिए ऋणः भुगतान और उपयोग के आधार पर 10 सीटों वाली सामुदायिक शौचालय इकाइयों के निर्माण और संचालन के लिए वित्तीय सहायता प्रदान की जाती है। 1. * * अधिकतम ऋण राशिः * * एक इकाई के लिए 25 लाख रुपये तक। 1. ब्याज दरः 4 प्रतिशत प्रति वर्ष; महिला लाभार्थियों के लिए 3 प्रतिशत; समय पर पुनर्भुगतान के लिए 2.5 प्रतिशत। 1. * * पुनर्भुगतान अवधिः * * 10 साल तक, जिसमें मूलधन पुनर्भुगतान पर 6 महीने की मोहलत शामिल है।
1. * * आजीविकाः * * सफाई कर्मचारियों को हाथ से मैला साफ करने से एक सम्मानजनक, आय पैदा करने वाले स्वच्छता व्यवसाय में बदलने में सक्षम बनाता है। 1. संपार्श्विक-मुक्त, कम ब्याज वाला ऋणः बिना किसी संपार्श्विक के 25 लाख रुपये तक की पेशकश, केवल 4 प्रतिशत ब्याज पर (महिलाओं के लिए और भी कम और समय पर पुनर्भुगतान)। 1. अधिस्थगन अवधिः * छह महीने की कार्यान्वयन अवधि के अलावा छह महीने। 1. पुनर्भुगतान अवधिः 180 दिनों की कार्यान्वयन अवधि और 180 दिनों की स्थगन अवधि के 10 साल बाद उद्यमिता का अवसरः * लाभार्थियों को सार्वजनिक "भुगतान और उपयोग" शौचालय इकाइयों के निर्माण और संचालन की अनुमति देकर स्व-रोजगार को प्रोत्साहित करता है।
चरण 1: Online application
1. Loan applications are submitted by the applicants to the district offices of SCAs of NSKFDC of RRBs and Nationalised Banks. 1. 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. 1. 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. 1. Once the board of directors approves the project, the letter of sanction is issued by SCAs/ RRBs/Nationalised Banks. 1. Once all the terms and conditions have been accepted, the necessary documents and funds are then released to the concerned beneficiaries. 1. 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.
चरण 2: Offline application
1. Interested eligible person shall contact nearest Channeling Agency. 1. The list of state wise Channelizing Agencies may be accessed by visiting the website.
Safai Karamcharis, manual scavengers and their dependents are eligible. Applicants must be aged 18 years or above and belong to the target group defined under the scheme.
A maximum loan of ₹25 lakh is available for setting up Pay and Use Community Toilets, including construction, operation, and maintenance.
The standard interest rate is 8% per annum. However: 1. Women beneficiaries get a 1% rebate. 1. A 0.5% rebate is provided for timely repayment.
The loan is to be repaid in 10 years, which includes: 1. A 180-day moratorium period after implementation. 1. A 180-day implementation period after loan sanction.
Applicants must approach the State Channelizing Agency (SCA) or other authorized partners like RRBs, PSBs, or NBFC-MFIs. A formal application with supporting documents must be submitted.
Generally, no collateral is required for loans up to ₹1.25 lakh. For higher loan amounts, security norms may vary depending on the Channelizing Agency’s terms.
Yes. In addition to individuals, Self-Help Groups (SHGs) and cooperative societies of eligible members can also apply under the scheme.
Applications are accepted only on the official government portal.
Open Official WebsiteThe scheme aims to provide financial relief to beneficiaries of the Gujarat Housing Board and Slum Clearance Cell who have pending installment dues by offering a complete waiver of penalty amounts. It benefits tenants and property allottees by waiving 100% penalties on arrears if paid by 31st March.
The scheme aims to reduce financial stress for ST students pursuing foreign education by providing up to ₹1,50,000 subsidy on interest for 3 years.
The scheme aims to support Scheduled Tribe (ST) individuals in purchasing vehicles for self-employment purposes. Under this scheme, tribal beneficiaries availing bank loans for vehicle purchase with interest subsidy. This financial support helps reduce the repayment burden on tribal entrepreneurs.
"ARAVANAIPPU", a scheme by the Dept of Women and Child Development, Govt of Puducherry aims to improve the status of the girl child and provide nutritious food; financial assistance of ₹1200 is offered to lactating mothers. The girl child of the applicant should be born after 1-4-2005.
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