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National Finance & Development Corporations

National Finance & Development Corporations

Development Corporation should be extended and utilised by PWDs belonging to SC/ST/OBC/Minority/Women categories. Section-40 of PWD Act, 1995 has made mandatory that not less than 3% reservation shall be kept for PWDs in poverty alleviation programs.

Differential Rate of Interest scheme

Differential Rate of Interest scheme

The nationalized banks provide loan to poor people, including persons with disabilities and the institutions working for PWDs, orphanage, women etc., who desire to engage themselves in productive activities or gainful business, at the very nominal rate of interest. There is provision that all nationalized banks should try their level best to provide at least 1% DRI loan of total credit amount.

Disability no bar to self-employment

Disability no bar to self-employment

The traffic is a concern, but I realised I had to offer people what others did not, even if it meant a little discomfort for me,” says K. Kesavan, who travels from one house to another undertaking repair orders for mixers and grinders in households in Perambur.

Swarnajayanti Gram Swarozgar Yojana

Swarnajayanti Gram Swarozgar Yojana

S.G.S.Y. is a credit-cum-subsidy program in which credit is critical component and subsidy is a minor segment aiming to bring people above the poverty line. Group activities and vulnerable groups (PWDs, SC/ST & Women) are the focus area of SGSY. Beneficiaries are called SWAROZGARIES. Identified key activities of block are being supported and quantum of loan depends on nature of project.

Prime Minister Rozgar Yojana

Prime Minister Rozgar Yojana

To channelise educated unemployed youth into self- employment activities, SEEUY (1983) was launched which was redesignated as PMRY (1993). Individuals and groups within the individual admissibility, may apply for loan.

Swarn Jayanti Sahari Rojgar Yojana

Swarn Jayanti Sahari Rojgar Yojana

SJSRY was launched to provide income generation option such as setting up gainful self-employment venture, training & upgradation of entrepreneurial skill to urban unemployed people, living under poverty line. This scheme consists of two special schemes

Khadi Village Industries Commission

Khadi Village Industries Commission

Village Industries of KVIC scheme having 95 types of industries are grouped in seven major groups such as Mineral Based Industry, Agro-Based and Food Industry, Polymer and Chemical Based Industry, Forest Based Industry, Engineering and Non-conventional Energy, Textile Industry (Excluding Khadi) and Service Industry. The KVIC has organised infrastructure for impar ting training at various level through 61 centres ( 24 departmental and 137 non-departmental).

The Manner of Execution of Subsidy Programmes

The Manner of Execution of Subsidy Programmes

Based on the sanction letters received from the Nationalised Banks, Government Subsidy equal to 1/3rd of loan amount or Rs.3,000/- whichever is less is paid for the Bank Loan scheme.

Disability not a deterrent for him

Disability not a deterrent for him

After the accident, he had to forego school for several months but the gritty youngster was determined to do something in his life and not depend on charity.

Scheme to Promote Self Employment

Scheme to Promote Self Employment

Scheme to Promote Self Employment amongst Persons with Mental Retardation, Cerebral Palsy and Autism. Persons with mental retardation, cerebral palsy or autism may not be eligible to seek loan and enter into a legal contract. In such cases following categories of persons are eligible for financial assistance from NHFDC