दिव्यांग कर्मचारी/उद्योजक यांचेसाठी सहाय्यक साधनांसाठी कर्ज योजना

Purpose :

i) NHFDC provides financial assistance in the form of loan to the target group for purchase of assistive devices like screen reader, motorized tricycle, scooty, hearing aid etc. to enhance their employability/improve the prospects of self employment.

ii) Cost of retrofitting/conversion of available machine, equipment, vehicles etc. disable friendly mode, their adaptation and use by PwDs may also be included in the cost for financial assistance by NHFDC.”

Objective :

The main objective of the Scheme is to assist the needy disabled persons by providing concessional loan for procuring durable, reliable and scientifically manufactured, modern, standard aids and appliances that may enhance their prospects of taking up self employment/ employability. The aids and appliances purchased under the Scheme must be ISI marked or has equivalent certification of quality.

Types of Aids/Appliances to be Financed –

Category-wise indicative list enclosed

Eligibility –

  • Any Indian Citizen with 40% or more disability.
  • Age above 18 years.
  • Should be either working in an organization of repute or have got confirmed appointment letter. The Head of Organization should certify that purposed assistive device will improve his/her employability and the same is not made available by the organization. For self employment, the assessment of need of assistive device will be made by the authority (SCA/RRB etc.) scrutinizing the application and stall recommend the same.

Amount of Loan –

Loan up to Rs.5.00 lakh

(Loan amount shall be determined depending on the repaying capacity of the borrower within the repayment period.)

Rate of Interest -

Loan Amount To be paid by SCAs
To be paid by
beneficiaries to SCAs
i) Upto Rs. 50,000/- 2% 5%
ii) Above Rs. 50,000/- and
upto Rs. 5.0 lakh
3% 6%

Note: a) A rebate of 1% on interest is given to women beneficiaries under scheme.

b) A special rebate of 0.5% is also available for PwDs under VH/HH/MR category.

Amount of Loan –

The loan is to be repaid within 5 years

Procedure for Obtaining Loan –

Application in the prescribed format is to be submitted to the State Channelizing Agency on RRB or such agency as nominated by NHFDC for sanction of loan as per procedure laid down in the lending policy of National Handicapped Finance and Development Corporation.

Other terms & conditions of loan under the scheme shall be as per the lending policy of NHFDC for self employment


In case of any dispute, decision of the CMD, NHFDC will be final & binding