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मुख्य जानकारी

Swarojgar Yojana

इस योजना के अंतर्गत व्यवसाय चलने के लिए सरकार से रु .50,000 / – तक की वित्तीय सहायता मिलेगी।

Financing through Banks for setting up and expansion of Income generating avocations.

Maximum Loan Limit: Rs. 50,000/-

Capital Subsidy: 50% of the Project Cost (Maximum Rs.10,000/-)

Rate of Interest after Interest Subsidy: 4% (interest subsidy is only available in case of regular repayment)

Eligibility Criteria :

Member of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh.
Annual Income Limit:- Rural Areas : Rs.30,000/- Urban Areas : Rs.30,000/-
Age : 18 to 55 years.
Applicant should not be defaulter of any financial institution/bank.

Application Form

Himswablamban Yojna (NSFDC & NSTF DC

To provide loans for Projects Costing more than Rs.50,000/- in collaboration with NSFDC and NSTFDC

Scheme (Indicative) : Agriculture and Allied Sector: Dairy Farming, Tractor Trolley etc.

Services Sector (Including Transport): Shuttering, Tent House, Dhaba/Restaurant, Mini Truck, Mini Bus and other Light Motor Vehicles etc.

Industrial Sector : Steel Fabrication, Furniture Manufacturing etc.

Maximum Loan Limit : Rs.30.00 Lacs (Maximum National Level) – Rs. 5.00 Lacs (Average in H.P.)

Rate of Interest: Loans Up To Rs.5.00 Lacs RoI @6% pa – Loans Above Rs.5.00 Lacs RoI @8% pa

Repayment Period: 5 Years

Means of Finance: Promoter’s Contributions Maximum Up To 5% of the Total Project Cost. HPSCSTDC’s Margin Money Loan 10%. Term Loan (NSFDC/NSTFDC) 85%.

Eligibility Criteria: Members of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh. Annual Income Limit Rural Areas : Rs.81,000/- Urban Areas : Rs.1,03, 000/-

Age Limit : 18 to 55 years (In case of Transport loan 20 to 53 years having valid license for the vehicle concerned). Who is not defaulter of any financial institution/bank.

Application Form
Application Form

STUDY LOAN (NSFDC/NSTFDC)

To provide loan upto Rs.1,50,000/- for a full course of five years

I Under this scheme, the Corporation provides education loan to SC/ST eligible students for the professional and technical courses which Is approved by National Scheduled Castes Finance and Development Corporation(NSFDC) and National Sch.Tribes Finance and Development Corporation (NSTFDC).

Sr.No.	Particulars	SC	ST
1	Maximum Loan limit	Rs.10.00 lacs for a full course.	Rs.5.00 lacs
2	Rate of Interest	4% and 0.5% exemption for women	6%
3	Repayment Period	Upto Rs.7.50 lacs= 5years above Rs.7.50lacs to Rs.10.00 lacs=15year	5 year
4	Mode finance	Directly by HPSC/STDC in collaboration with NSFDC.	Directly by HPSC/STDC in collaboration with NSFDC.
5	Income Criteria	i)Rural Area Rs.98,000/- ii)Urban Area Rs.1,20,000/-	i)Rural Area Rs.98,000/- ii)Urban Area Rs.1,20,000/-

Eliqibilitv Criteria.

i) Member of Sch.Castes or Sch.Tribe family who is banafide resident of Himachal.

ii) Applicant, should be regular student of recognized lnstitutions/ Univerisity.

iii) Applicant,should not be a defaulter of any financial lnstitution/Bank.

Application Form

Study Loan Scheme In Collaboration With NSFDC

To provide loan upto Rs. 10.00 Lac for a full course of 5 Years

Maximum Loan Limit	Rs. 7.50 Lac for a full course of 5 Years
Rate of Interest	5 % P.A. ( 1% rebate in case of women beneficiaries)
Repayment Period	5 years Repayment starts after 6 months of completion of course or getting job/employment, whichever is earlier.
Source of Finance	Collaboration with NSFDC
Courses of Study
Full Time Professional/ Technical Courses in fields of ; Engineering, Medical, Dental, Management, Information & Technology, Hotel Management, Artitecture, Phisiotherapy, Bio Technology, Law and Journalism etc. Professional Courses like : Law, Journalism, C.A/ ICWA/CS/AMIE/FIA/IETE etc.
Eligibility Criteria
Members of Scheduled Castes family who is bonafide resident of Himachal Pradesh. Annual family income limit : Rs. 40,000/-p.a. in Rural Area & Rs. 55,000/-p.a. in Urban Area. Applicant should be a regular student of Govern ment recognized Institution/ University. Who is not defaulter of any financial institution/Bank.

Dalit Varg Vayavsaik Prashikshan Yojna

To provide training to the SC and ST youth in traditional and non-traditional trades through ITI/ Private Institution/ Master Craftsman

Under this scheme, the corporation endeavors to provide vocational training to the SC/ST youth in traditional and non-traditional trades through I.T.I./Private Institution/Master Craftsman.

Eligibility Criteria

Members of Scheduled Caste Family who is bonafide Resident of Himachal Pradesh.
Annual family income limit Rs .22000/- p.a .
Age Limit : 18 to 35 years.

Duration of Training

Maximum Up To 12 Months.

Stipend to Trainees

Rs.500/- per month per trainee if the training is imparted in the home district.
Rs.750/- per month per trainee if the training is imparted out of home district of the trainee.

Approved List Of Trades

Sr. No.	Trade	Duration	Sr. No.	Trade	Duration
1.	Handloom Khadi	12 Months	9.	Pruning & Orchard Operation	12 Months
2.	Motor Driving	6 Months	10.	Carpentry	12 Months
3.	Motor Mechanic/ Auto Scooter Repair	12 Months	11.	Foam Making	6 Months
4.	Shoe Making	12 Months	12.	Beautician	6 Months
5.	Electronics	12 Months	13.	Bamboo Work	6 Months
6.	Plumber	6 Months	14.	Barber	6 Months
7.	Electrician/Motor Binding	12 Months	15.	Cutting/ Tailoring	12 Months
8.	Welding/Steel Fabrication/ Black Smith	6 Months	16.	Computer	12 Months

Application Form

Construction of Shop/Shed Scheme (Laghu Vikray Kendra Yojna)

Corporation Provides Loan to the Municipal Corporation/ Municipal Committees/ Nagar Panchayats/ Blocks Samitis/ GramPanchayats for Construction of Shops/ Sheds for SC’s/ST’s .

Under this Scheme, the Corporation provides loans to the Municipal corporations, Municipal Committees/ Nagar Panchayats/Block Samitis and Gram Panchayats for Construction of shops/sheds. Rate Of Interest is @4%. Such shops/sheds constructed with the help of financial Assistance of the Corporation are rented out only to Scheduled Castes & Scheduled Tribes families at concessional rate of rent.
Maximum Loan Limit	Rs.50,000/- per shop and Rs.60,000/- per shop In difficult or remote areas.
Rate of Interest	4%
Repayment Period	10 Years.
Means of Finance	Directly by HPSCST Development Corporation.
Eligibility
The Municipal Corporations, Municipal Committees/ Nagar Panchayats/ Gram Panchayats.

Application Form

Hast Shilp Vikas Yojna

Corporation provides working capital assistance up to Rs.5000/- to individual as well as Group/ Society/Association of artisans.

Under this scheme, the corporation provides working capital assistance to artisans. The artisans can form a Group/Society/Association for availing working capital from the corporation. An individual artisan is also eligible for this scheme.
Quantum of loan	Rs.5,000/- per artisan.
Rate of Interest	Free of interest for 2 years. However, the society/ Association/ Group may charge interest @2% from an artisan to meet out their administrative expenditure.
Repayment Period	2 Years
Means of Finance	HPSCST Development Corporation.
Eligibility Criteria
Member of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh. All the applicants/artisans should be below poverty line. Applicant should not be defaulter of any financial institution/Bank.

Application Form

Small Business Yojna (NSFDC)

To meet the small Financial need of poor Scheduled Castes families to start small and petty business individually, the term loans assistance up to Rs 50,000/- is provided by the Corporation directly in collaboration with NSFDC

Hast Shilp Vikas Yojna

Application Form

Under this scheme, the corporation provides working capital assistance to artisans. The artisans can form a Group/Society/Association for availing working capital from the corporation. An individual artisan is also eligible for this scheme.
Quantum of loan	Rs.5,000/- per artisan.
Rate of Interest	Free of interest for 2 years. However, the society/ Association/ Group may charge interest @2% from an artisan to meet out their administrative expenditure.
Repayment Period	2 Years
Means of Finance	HPSCST Development Corporation.
Eligibility Criteria
Member of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh. All the applicants/artisans should be below poverty line. Applicant should not be defaulter of any financial institution/Bank.

National Safai Karamcharis Finance & Development Corporation (NSKFDC)

Financial assistance to set up any income generating activity of higher cost i.e. above Rs. 50000/- on concessional rate of interest such as small business unit, Taxi, Mahindra Jeep, Tata Sumo, Shuttering, Piggery farm etc.

National Safai Karamcharis Finance and Development Corporation

Application Form (Other Than Transport)
Application Form (Vehicle Loan)

Financial assistance to set up any income generating activity of higher cost i.e. above Rs.50,000/- on concessional rate of interest such as small business unit, Taxi, Mahindra Jeep, Tata Sumo, Shuttering, Piggery farm etc.
Eligibility
i. An unemployed member of Safai Karamcharis family of H.P. ii. 18-55 years (20 to 53 years in case of vehicle loans). iii. Individual should not be a defaulter of any institution/Bank. iv. Aptitude/Required License Towards the Concerned Activity.
Rate of interest	6%
Repayment period	Maximum 5 Years.
Maximum Loan Limit	Rs.5.00 Lacs.
Means of Finance	i. Promoter’s contribution up to 5% of total project cost. ii. Margin Money Loan of HPSCST Development Corp. 10% of project cost. iii. NSKFDC Term loan 85% of total project cost.
MICRO CREDIT FINANCE SCHEMES(M.C.F.)/M.S.Y.
To meet the small financial need of Safai Karamcharis and Scavengers families identified under National Scheme for Liberation and Rehabilitation of Scavengers, to start small and petty business individually or in a group, the term loan assistance up to 50,000/- is provided by the corporation directly in collaboration with National Safai Karamcharis finance & development corporation (NSKFDC.)
Eligibility Same as mentioned above
Means of Finance	i. Promoter’s contribution -Nil- ii. NSKFDC loan 40,000/- iii. Capital Subsidy 10,000/- Total: Rs. 50,000/-
Rate of interest	4%
Repayment period	Maximum 3 Years.

Application Form

Micro Credit Finance (MCF)

Provide Loans up to Rs.50,000/- under Small Loan Scheme (In collaboration with National Corporation).

National Safai Karamcharis Finance and Development Corporation

Application Form (Other Than Transport)
Application Form (Vehicle Loan)

Financial assistance to set up any income generating activity of higher cost i.e. above Rs.50,000/- on concessional rate of interest such as small business unit, Taxi, Mahindra Jeep, Tata Sumo, Shuttering, Piggery farm etc.
Eligibility
i. An unemployed member of Safai Karamcharis family of H.P. ii. 18-55 years (20 to 53 years in case of vehicle loans). iii. Individual should not be a defaulter of any institution/Bank. iv. Aptitude/Required License Towards the Concerned Activity.
Rate of interest	6%
Repayment period	Maximum 5 Years.
Maximum Loan Limit	Rs.5.00 Lacs.
Means of Finance	i. Promoter’s contribution up to 5% of total project cost. ii. Margin Money Loan of HPSCST Development Corp. 10% of project cost. iii. NSKFDC Term loan 85% of total project cost.
MICRO CREDIT FINANCE SCHEMES(M.C.F.)/M.S.Y.
To meet the small financial need of Safai Karamcharis and Scavengers families identified under National Scheme for Liberation and Rehabilitation of Scavengers, to start small and petty business individually or in a group, the term loan assistance up to 50,000/- is provided by the corporation directly in collaboration with National Safai Karamcharis finance & development corporation (NSKFDC.)
Eligibility Same as mentioned above
Means of Finance	i. Promoter’s contribution -Nil- ii. NSKFDC loan 40,000/- iii. Capital Subsidy 10,000/- Total: Rs. 50,000/-
Rate of interest	4%
Repayment period	Maximum 3 Years.