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.
The Pay and Use Community Toilets Scheme was**** launched by the Ministry of Social Justice and Empowerment, aims to empower Safai Karamcharis and their dependents through livelihood-linked sanitation entrepreneurship. It is a Loan Based Scheme implemented by the National Safai Karamcharis Finance and Development Corporation (NSKFDC). The Loans are extended through Channelizing Agencies (CAs) i.e. State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs) and Public Sector Banks (PSBs) to the target group. The key objective of this scheme is to promote entrepreneurship among Safai Karamcharis, manual scavengers, and their dependents by providing financial assistance to set up “pay and use” community toilets.
Purpose:
1. Provision of easy accessibility of the community latrines to the households (not having any such facilities in their houses) and for floating population in public places with high footfall e.g. bus stands, railway stations, markets etc.
1. To ensure proper maintenance of the facilities.
1. To prevent the necessity of manual scavenging.
Key Features:
1. Loan for Construction & Operation: Financial assistance is provided to build and operate 10-seater community toilet units on a pay-and-use basis. 1. Maximum Loan Amount: Up to ₹25 lakh for one unit. 1. Interest Rates: 4% per annum; 3% for women beneficiaries; 2.5% for timely repayment. 1. Repayment Period: Up to 10 years, including 6 months moratorium on principal repayment.
1. Livelihood: Enables Safai Karamcharis to shift from manual scavenging to a respectable, income-generating sanitation business. 1. Collateral-Free, Low-Interest Loan: Offers up to ₹25 lakh without collateral, at just 4% interest (even lower for women and timely repayment). 1. Moratorium period: Six Months in addition to implementation period of six months. 1. Repayment period: 10 Years after implementation period of 180 days and moratorium of 180 days 1. Entrepreneurship Opportunity: Encourages self-employment by allowing beneficiaries to construct and operate public “Pay and Use” toilet units.
Step 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.
Step 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.
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