1.Objectives-
a) Promote economic development activities and self employment ventures
for the benefit of persons with disability
b) Extend loan to persons with disability for upgradation of their entrepreneurial
skill for proper and efficient management of self employment ventures
c) Extend loan to persons with disability for pursuing professional technical
education leding to vocational rehabilitation self employment
d) To assist self employed individual eith disability in marketing their
finished goods.
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2. Schemes
The corporation provieds financial assistance for wide range of income
generating activites to disabled persons These are-
i) For setting up Small busines in sservice/ trading sector:
Loan upto Rs 1.0 lac for / lac for sales trading activity and Rs 3.0 lacs
for service sector activity The small business, project or activity for
which financial assistance has been sought will have tobe operated by the
disabled person himself and / or employing at least 15% disabled persons
in his venture.
ii) For agricultural activities: Loan upto rs- lacs loan
assistance is provided to disbled persons for agricltural production irriation
horticulture
sericulture purchase of agricltural machinery equipment for agricultural
service maketing of agricultural produ cts etc-
iii) For purchase of vehicle for commercial hiring- Loan
upto Rs 5.0 lacs Purchase of Vehicle including auto riskshaw for commercial
hiring purpose.
iv) For self employment amongst persons with mental retardation
cerebral palsy and autism-Loan upto Rs.3.0 lacs In such cases
the financial assistan ce is etended through parents or spouse of the dependant
mentally disabled
person-
v) For setting up small industrial unit- Loan limit as
per requirement The criteria and norms for sanc tion of educational loan
will be the same
as followed by state Bank of India-
vi) For tehnical eduction/ training- Loan limit as per
requirment The criteria and norms for sanction of educ ational loan will
be the same as
followed
by S tate Bank of India-
vii) Micro Financing Scheme- Loan up to Rs. 5.0 lacs is
provided to NGO s for futher disbursement upto Rs. 15.000 for each disabled
person The
details are at annecus I
viii) Scheme for parents Association for the Mentally Retarded
Person:
Loan upto Rs. 5.0 lacs The details are at annexue II
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3. Eligibility
Any Indian Cititzen with 40% or more disability is eligible to apply for
financial assistance provided that
i) He has Completed the age of eighteen (18) years but has not complted
the age of fify five (55) years.
ii) Annual in come below
a) Rs 1,00,000/ ( Rupess one lac Only) on case he/she resides in urban
area-
b) Rs. 80,000/ (Rupess Eighty Thousand only) in case he/ she resides in
rural area.
iii) The Appitcant has relevant educational/ vocation qualification
/ experience/background
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4. Promoters contribution and Rate of Interest.
Project Cost |
NHFDC
Share |
CH.
Agency
Share |
Promoters
Share |
Rate of Interest per annum |
1.Up. to Rs. 50,000/- |
100% |
Nil |
Nil |
5% |
2.(i) Above Rs. 50,000 and upto Rs. 1.0 lac |
95% |
5% |
Nil |
6% |
(ii) Above Rs. 1.0 lac and upto Rs. 5.0 lacs. |
90% |
5% |
5% |
6% |
Note-:
i) All loans to be repaid within 10 years.
ii) A rebate of 1% on interest for disabled women.
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5.
Procedure for Obtaining loan.
Applications in prescribed format to be submitted through the state Channelising
Aency Projects up to Rs. 1.0 lac are sanctioned by state Channelising Agency
and applicatinons for loan amount exceeding Rs. 1.0 lac are sanctioned by NHFDC
Project applications form Non Government Organisations under Micro Financing
Scheme & parents Association for Mentally Retarded Persons are suBmitted
directly to NHDC.
For further details contact the state Chanlising Agency (Annexure-III) or National
Handicapped Finance and Development Corporation.
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Annexure-I MICRO FINANCING SCHEME
Purpose of the loan is to provide finaneial assistance to financially
weaker section of the disabled for starting or augmenting income
generating activities
The illustrative nature of in come generating activities are given
below.
i) Small business trade
i) Tiny/ cottage industry or service activity
iii) Artisan activities
iv) Agricultural and allied activities
v) Transport sector activities
Quantum of Loan and Rate on Interest.
Under the Scheme of Micro Financing loan up to an amount of Rs. 5,00,000/
(Rupees Five Lacs Only)
is given to an NGO for further disbursement to individual beneficiary
up to an amont of Rs. 15,000/ (Rupees Fifteen Thousand only) per beneficiary
@ of
intertest period of 24 months and on convenient terms. The lending rate
to NHFDC
for NGO is 2% Per annum thus interest spread of 3% will be available
for NGO s to meet their administrative cost will be available for NGO
s is also given
Rs. 10/000 as one time grant to wards implementation of the scheme
Implementing Agency
NHFDC provides credit to persons with disability through NGO s in Rural
Urban areas who are working in the social setor THe NGO s will further
finance the
beneficiaries rither directly or through financ e the beneficiaries either
directly or through self Help Groups ( SHG s)
Financing Pattern
NHFDC would provide 100% of the project cost the selected NGO s for disbursement
to beneficiaries
Annexure-II
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SCHEME FOR FINANCIAL ASSISTANCE TO PARENTS ASSOCLATION FOR MENTALLY RETARDED
PERSONS
Purpose-
Purpose of the scheme is to provide loan to partents associations of
mentally retareded persons t oset up an income generating activity for
the benefit of
the mentally retareded persons
Eligibility-
a)The parents assoctation should be registered at least for a period
of 3 year s
b) It should have a minium menbership of 10 parents
c) It should not be a financial defaulter of central goverment state
government any fincial institution in the pubic sector banks etc.
Quantum of Loan
Quantum of loan to each NGO is limited to RS5.0 lacs The share of the
HGO will be 5% in case of the project cost exceeding Rs 50,000 The loan
will be will
used by the NGO to implement a single or multiple activity project in
which the maximum possible particpation of the beneficiaries may be ensured
The share
of the parent assoctiations in the project rate of inerest will be same
as specified in serial 4
Repayment Period-
The loan amout including interest will be repaid wirhin 10 years in equal
quarterly instalments.
Procedure for Obtaining Loan-
The loan application under the scheme will be submitted to NHFDC directly
by the association However the association should get a resolution passed
by its
managing committee board of trustees to this effect Proof of this should
be submitted along with the application
For detailed scheme & application form please Contact National
Handicapped Finance and Development Corporation.
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State Channelising Agency Of NHFDC in the repective
States /UTs
1) Andaman & Nicobar Islands
Andaman ant Nicobar Islands Intergrated Dev. Corpn.
Vikash Bhawan, Post Box No. 180 Port Blair A&N
Ph. : 03192-32098 34108,33659,35286
Fax: 03192 35098
2) Andhra Pradesh
A.P. Vikalangual Co-Operative Corpn.
B. R. K. R. Bhwan Hyderabab- 500 063
ph.: 040-3222703,
Fax: 3223045 4619048
3) Arunachal Pradesh
Arunachal Pradesh industrial Development
and Finance Corporation Ltd
Sector C, District Papumpare Itanagar 791 111
Ph.0360-21272, 211763 Fax : 212751 E- Mail: [email protected]
4) Assam
a) Assam Financial Corporation
Vittiya Bhawan Md. Shah Road,
Paltan Bazar, Guwahati - 781 008
Ph.: 0361 523448, 521854
Fax: 522533, 639173
b) The Director
Social Welfare Department
Government of Assam
Ph. 0361 541169
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5) Bihar
5) Bihar state Backward Classes Fiance
and Development Corporation
4th Floor Sone Bhawan Birchand Patel Marg,
Patna 800 01
Ph: 0612 - 239836
Fax: 226099
6) Chandigarh
Chandigarh Child & Women Development
Corporation Limited
Town Hall Building, 3 rd Floor,
Sector -17 C, Chandigrh
Ph : 0172 707527, 704676, 705445
Fax: 0172 -708690
7) Chattisgarh
Chattisgarh Raiya Sahakari Anusuchit
Jati Vitta Aivam Vikas Nigam
Maryadit 68, Jal Vihar Colony Raipur
Ph.: 0771 5066105
8) Daman & Diu/ Dadra & Nagar Haveli
Dadra and Nagar Haveli Daman & Diu SC/ST, OBC and Minorities Financial
and Development Corporation Ltd. 2nd Floor Right Wing, P. W. D. Complex
Dadra & Nagar
Haveli Silvassa -396230
Ph.: 0260 2643152 2642043
9) Delhi
Delhi SC?STOBC Minorities Handicapped Funancial & Development Corporation
Ltd
2, Batterly Lane, Rajpur Road, Delhi 110054
Ph: 91- 23970219, 23979068, 23922197
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10) Goa
Goa State Scheduled Caste and OBC Finance
Development Corporation Limited
4th Floor, Patto Centre,
Near Kadamba Bus Stand, panaji
Ph.: 0832- 2438179 2438178
Telefax : 2438178
E mail: [email protected]
11) Gujarat
The Gujarat State Financial Corporation
Udyong Bhawan Block No 10, GH- 4
Sector No.11, Gandhinagar ( Gujarat)
Ph.:07932, 26219, 26220, 26229 26229, 26257
Fax.- 26238/39/49
12) Haryana
Haryana Backaward Classes & Economically
Weaker Section Kalyan Nigam
S C O NO 813, 14 Sec 22 a C handigarh
Ph.: 0172, 701722,701074, 707539
Fax: 773826
13) Himachal Pradesh
a) H. P. Minorities Finance &
b) Development Corporation
S D A Complex Block No.38
1st Floor kasumpti Shimla 171 009
ph o177 222164
Fax-;221271 b)
Social & Women s Welfare Department
(Govt of Himachai Pradesh)
Shimla 171 009
ph 0177 222033,222041
Fax 222033
14) Jharkhand
Social welfare women & men & Child
Development
Goverment of Jharkhand Sector 3 Dhukha
Engineering Hostel Ranchi 834004
ph 0651 403749
Fax-; 403893
15) Jammu and Kashmir
a) J& K State Financial Corporation
b) Sehkari Bhawan Rail Head, Jammu 180 012
S F C House Durgange Road P O Box -8,
Sinagar – 190 001
ph (jammu) 0191 471179 fax; 471753
( Srinagar) 09194 458013
b)
J& K Stare Women s Development Corportation Behind Hotel rigadoon Delgate
Srinagr ph ) jammu) 0691 342321
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Karnataka Backward ClassesDevelopmenty Corporation No 33 1 Main Road
Sheshadripuram Bangalore 560020
ph-;080 3462482 3442187,3462282
17) Kerala
a) Kerala State Handicapped Persons Welfare
Corporation Ltd
T.C 17/230(1) Juvenile Home Compound
Poojappura Thiruvanathpuram 695 012
ph-;0471 3478,347282,
Fax-; 340568, 347282 (pp)
b) Handicrfts Development Corporation of kerala Ltd
Puthenchanthai Thiruvananthapuram 695 001
c) Kerala Artisans Development Corporation Ltd.
2nd Floor, Prees Club Building
Thiruvananthapuram 695 001
ph 047 320844 324222
d)Kerala State Women s Development Corporation Ltd. 1st Floor KSWDC TC. 17/230
(1)
Poojappura Thiruvananthapuram 695 004
ph;- 0471 349657 349658
Fax-349658
17) Lakshasweep
Lakshadweep khadi and Village Industaries Bo ard
Kavaratti 682 555 Union Territory of Lakshadweep
ph 04896 62396
Fax-; 63394
18) Madhya Pradesh
a) M. P. Pichra Varg and Alpsankhayak
Vitta Aivam Vikas Nigam
Rajiv Gandhi Bhawan 35, Shyamal Hills
Bhopal 662 002
ph 0755 66027 660208 660209
Fax 660175
b) M. P. Raiya Sahkari Anusuchit Jati
Vitta Aivam Vikas Nigam
Rajiv Gamdhi Bhawan 53, shyamla Hills
Bhopa 662 002
ph 0755 661844 661744/ 1794 6611629/1803
fax-;661612
c) M P Adivasi Vitta Aivam Vikas Nigam
Rajiv Gandhi Bhawan 35 shyamla Hills
Bhopal -662002
ph-; 0755,660739,660672,
FAX-: 221855
D)M P Handicapped Welfare & Development Society
Tulsi Nagar 1250 Quo Bhopal 462003
ph 0755,576325,551816
Fax-:552665
19) Maharashtra
Maharashtra State Handicapped Finance&
Development Corporation
R. No. 74 Ground Floor,
Maharashtra Housing Board Building
Bandra ( East) Mumbai 400 051
ph-; 022 26591620/21/22
20) Manipur
Department of Social Weifare
Government of Manipur
Dirctorate Complex
A T Line 2nd M R Gate Imphal 795 001
ph-; 0385 220033,320407 10
Fax-; 220033
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21) Meghalaya
Meghalaya Co operative Apex Bank
Shillong 793 002
ph-;0364 224263
22) MiZoram
a) Mizoram Co_ Operative Apex Bank Ltd Aizwal
b) Mizoram Urban Co perative Co- operative
Development Bank Ltd.
Zarkawat Aizwal
ph-; 0389 346508, 343475
23) Nagland
Nagland Security & Welfare Department Nagaland Civil Secrtariat
Government of Nagaland Kohima 797 001
ph-; 03866 270284 Fax 222908
24) Orissa
Mahila Viaks Samabaya Niga
Qtr No a/5 unit V
Bhbneshwar 751 001
ph-; 0674, 241852/1050,2401321
Fax-; 2401852
25) Pondicherry
pondicherry Corporation for Development of Women and Handicapped persons
Ltd.
10, I Lango Nagar Pondicherry 605 011
ph-; o413 242240 242639,
Fax-; 242639
26) Punjab
Social Security & Women Child Development
Govt of Punjab S C O No 128- 29
Sector 34 a Chandigarh
ph-; 0172 602726, 742133
Fax-; 664533
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27) Rajasthan
Rajasthan S C & S T Finacnce & Development
Co- operative Corporation
IIIrd Floor Nehru Sahakar Bhawan
Central Block Bhawani singh Marg Jaipur
ph-; 0411 740745 740833
Fax-; 740880
28) Sikkim
Sikkim S C T rabes and O B C Development Corporation Ltd-
Bhanu path Gangtok 737 101
ph 03592,29430,2518,
ext 53 Fax-; 31276
29) Tamil Nadu
Tamil Nadu State Co operative limited
P O Box Netaji Subhsh Chandra Bose Road
Chennai 600 001
ph-; 044, 5340301, 3540304, 3540706/475
Fax-; 5340508
30) Tripura
Tripura Scheduied CAste Co- operative Development Corporation Ltd,
P O Lake Choemuhani Agratala 799 001
Supari Bagan (Trabal Research Instiute Builiding)
Krishanagar Agrtala-799 001
ph-; 0381 302206
Fax-; 205 090
32) Uttar Pradesh
a) U P Pichhara Varg Vitta Aivam Vikas Nigam Ltd.
4th floor (South Wing) P C F Building 32 station road Luckinow 226001
ph-; 0522 35327
Fax-; 635204
c) U. p. Sahakari Gran Vikas Ban Ltd
10 Mall Avenue Lucknow
ph-; 0522 238824 238855/9812.
d) Uttar Pradesh SC/ST Finance
e) Development Corporation
B-912 Secotr C Mahanagar Licknow
33) Uttaranchal Bahuudeshiye Vitta Aivam Vikas Nigam
Sector I C Defence Colony
Dehradun 248001
Ph 0135 652577
Fax-;712114
34) West Bengal
West Bengal Woment Development Undertaking
B/7 LA Block Secot III Salt Lake City
Kolkata-; 700 091
ph 033 3353150 3357382
Fax-;3343150
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