NSKFDC Micro Credit Finance Scheme Haryana Safai Karamchari

Overview

The Micro Credit Finance Scheme under the National Safai Karamcharis Finance and Development Corporation (NSKFDC) provides small loans to sanitation workers and their dependents in Haryana. It is a targeted financial inclusion initiative for one of the most marginalized communities in India, offering affordable credit through state-level agencies.

Objective

The scheme enables Safai Karamcharis and their family members to access affordable credit for income-generating activities. It helps them start small businesses, purchase tools or equipment, or fund vocational work without turning to expensive informal moneylenders.

Benefits

• Micro loans up to Rs. 50,000 for income-generating purposes
• Concessional interest rates significantly lower than market rates
• Loans channeled through State Channelizing Agencies for local access
• Supports self-employment and economic independence for sanitation workers
• Can cover a range of livelihood activities beyond sanitation work

Eligibility

• Safai Karamcharis (sanitation workers) and their dependents in Haryana
• Individuals engaged in or transitioning away from manual scavenging
• Annual family income within the prescribed NSKFDC limit
• Must apply through the designated State Channelizing Agency in Haryana

Exclusions

• Applicants who do not belong to the Safai Karamchari community are not eligible
• Those with existing defaults on NSKFDC or SCA loans
• Individuals whose income exceeds the NSKFDC eligibility threshold

Application Process

1. Contact the Haryana State Channelizing Agency designated for NSKFDC schemes
2. Collect and fill the micro credit application form
3. Submit with supporting documents to the SCA office
4. SCA verifies eligibility and forwards the application to NSKFDC for funding
5. Loan is disbursed through the SCA directly to the applicant’s bank account

Documents Required

• Caste certificate confirming Safai Karamchari status
• Aadhaar card and address proof in Haryana
• Income certificate from a competent authority
• Bank account passbook
• Passport-sized photographs
• Description of the proposed income-generating activity