National Safai Karamcharis Finance and Development Corporation Scheme

Under the National Safai Karamcharis Finance and Development Corporation (NSKFDC) Scheme of the Department of Social Justice and Empowerment, the Government of Himachal Pradesh provides financial assistance at concessional rates of interest to set up higher-cost income-generating activities, such as small business units, taxis, Mahindra Jeeps, Tata Sumos, shuttering work, piggery farms, etc.
Loans are also provided to Safai Karamcharis for the purchase of transport vehicles, such as Maruti Vans and Mahindra Jeeps, up to ₹5,00,000/- at an interest rate of 6%, and above ₹5,00,000/- at an interest rate of 8%, through the said corporation.

• Concessional rate of interest at 6% for loans up to ₹5,00,000/- and 8% for loans above ₹5,00,000/-.
• Maximum loan limit of ₹5,00,000/- under the concessional interest category.
• Flexible repayment period of up to 5 years, making repayment easier for beneficiaries.
• Low promoter’s contribution, limited to up to 5% of the total project cost.
• Margin money support of 10% of the project cost provided by the HPSCST Development Corporation.
• Major portion of project cost (85%) covered through an NSKFDC term loan, reducing the financial burden on beneficiaries.

1. The applicant should be an unemployed member of a Safai Karamchari family of Himachal Pradesh.
2. The applicant should be between 18 and 55 years of age (20 to 53 years in the case of vehicle loans).
3. The applicant should be not a defaulter of any bank or financial institution.
4. The applicant should possess the required aptitude and/or valid license for the proposed activity.
5. The applicant should submit the application in the prescribed form along with a caste certificate and a Himachali certificate issued by the Executive Magistrate.

Offline

Step 1: Obtain and fill the prescribed application form and attach all required documents.
Step 2: Submit the completed application to the concerned District Manager or Corporation office for verification.
Step 3: After approval, the application is forwarded to the HP SC/ST Development Corporation for further processing.

Application Form (Other Than Transport)
Application Form (Vehicle Loan)

1. Income certificate
2. Age proof (Birth certificate/School certificate)
3. Identity proof (Aadhaar Card, Voter ID, or Driving License)