Disability/Handicapped Persons Divyangjan Swavalamban Yojana - Summary
The main objective of Divyangjan Swavalamban Yojana is to assist the needy disabled persons by providing concessional loans for economic and overall empowerment.
The following purpose of the schemes to provide concessional credit for the benefit of the persons with disabilities (Disability as defined in the PwD Act, 2016 or its amendments) for:
- Starting any activity contributing directly or indirectly in the income generation or helping PwD in their overall process of empowerment.
- Pursuing higher education after class 12th (UG, PG, Professional courses and other courses approved by UGC/AICTE/ICAR/Government, etc)
- Pursuing vocational or skill development (ITI, Diploma any other course leading to enhancement of employment or self-employment)
- Pursuing vocational or skill development (ITI, Diploma any other course leading to enhancement of employment or self-employment)
Eligibility criteria for Divyangjan Swavalamban Yojana
- Any Indian citizen with 40% or more disability (Disability as defined in the PwD Act, 2016, or its amendments).
- Age above 18 years. However, in the case of persons with mental retardation, the eligible age would be above 14 years. The age criteria would not be required for educational loans. Age certificate issued by a competent authority authorized by the State Government or as mentioned in the 10th certificate or any other certificate issued by the government would be the required document.
Rate of Interest for lending
The financial assistance extended by NHFDC shall carry simple interest at the
following rates per annum.
For self-employment Loan
| Loan amount (Rs.in lakhs) | Rate Interest (%) | Implementing Agency margin (%) | Rate of Interest to PwDs (%) |
|---|---|---|---|
| less than 0.50 | 2 | 3 | 5 |
| Above 0.50 – 5.0 | 3 | 3 | 6 |
| Above 5.0 – 15.0 | 3 | 4 | 7 |
| Above 15.0 – 30.0 | 4 | 4 | 8 |
| Above 30.0 – 50.0 | 4.5 | 4.5 | 9 |
For Education Loan for studies in India & abroad
| Loan amount | Rate Interest (%) | Implementing Agency margin (%) | Rate of Interest to PwDs (%) |
|---|---|---|---|
| Upto Rs. 50.0 Lakh | 1 | 3 | 4 |
Complete details and terms of the scheme can be read in the PDF.
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