दिव्यांग व्यावसायिकांना दुकानाचे बांधकामासाठी कर्ज योजना

Purpose :

To provide financial assistance in form of loan to the target group for construction of Commercial/Business premises on own loan/long terms lease for starting self employment activity.

Objective :

The main objective of the Scheme is to assist the needy disabled persons by providing composite concessional loan for construction of Commercial/Business premises and starting self employment activity. The Commercial/Business premises constructed under the Scheme must be approved by concerned department i.e. Development Authority or Urban Improvement Trust etc.

Financed to be provided for :

For construction of Commercial/Business premises and for starting selfemployment activity.

Eligibility :

i) As per NHFDC norms for self-employment loan.

ii) Land on which construction of Commercial/Business premises is proposed should be owned by applicant or it is on long term lease of above 20 years from Government authority. As on date of application to NHFDC the lease period remain should be 20 year.

Amount of Loan –

Loan up to Rs.3.00 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. 3.0 lakh
3% 6%

Note: A rebate of on interest is given to beneficiaries under scheme, as per prevailing NHFDC norms.

Repayment of Loan –

The loan is to be repaid within 10 years

Procedure for Obtaining Loan –

Application in the prescribed format is to be submitted to the State Channelizing Agency or implementing 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