NSKFDC Term Loan Haryana | Safai Karamchari Scheme

Overview

The Term Loan under NSKFDC is a credit scheme offered through the National Safai Karamcharis Finance and Development Corporation (NSKFDC) and channeled in Haryana through the state nodal agency. It provides financial support to safai karamcharis (sanitation workers) and manual scavengers for self-employment and rehabilitation.

This scheme is part of the broader national effort to uplift one of India’s most disadvantaged communities through sustained economic empowerment and dignified livelihoods.

Objective

The scheme enables safai karamcharis to access formal credit for starting small businesses and trades. It supports their transition to dignified livelihoods beyond manual scavenging and builds long-term financial stability.

Benefits

• Concessional term loans with significantly low interest rates
• Loan covers business setup costs, tools, and working capital
• Extended repayment period to ease financial pressure
• Linked to skill training and rehabilitation support programs
• Encourages transition to alternative sustainable livelihoods

Eligibility

• Must be a safai karamchari or former manual scavenger
• Must be a domicile of Haryana
• Age: 18 to 55 years
• Annual income must be within the NSKFDC prescribed ceiling
• Must not have an existing default on NSKFDC or government loans

Exclusions

• Persons not belonging to the safai karamchari community
• Applicants above the income ceiling
• Individuals with prior loan defaults with the corporation

Application Process

1. Visit the Haryana Scheduled Castes Finance and Development Corporation or nodal NSKFDC office
2. Collect and fill the prescribed application form
3. Attach necessary documents
4. Submit to the district manager for review and verification
5. Application is forwarded to NSKFDC for sanction
6. Loan disbursed to the applicant’s bank account after approval

Documents Required

• Safai Karamchari certificate or community identity proof
• Haryana domicile certificate
• Income certificate
• Aadhaar card
• Bank passbook copy
• Project report for proposed business activity
• Passport-size photographs