Business Idea: नहीं करनी है नौकरी तो आज ही शुरू करें ये साइड बिजनेस, हर महीने होगी 5 लाख तक कमाई
राष्ट्रीय सफाई कर्मचारी वित्त एवं विकास निगम (एनएसएफडीसी) ने जलवायु परिवर्तन के प्रभावों से निपटने और आय सृजन करने वाली गतिविधियों के लिए ऋण के रूप में वित्तीय सहायता प्रदान करने हेतु हरित व्यवसाय योजना शुरू की है। इस योजना के अंतर्गत वे आय सृजन गतिविधियाँ शामिल होंगी जो ग्रीन हाउस प्रभाव को कम कर सकती हैं या अनुकूलन पहलों के अंतर्गत वर्गीकृत की जा सकती हैं।
Details
The Green Business Scheme has been launched by the National Safai Karamcharis Finance and Development Corporation (NSFDC) to provide financial assistance in the form of loans for activities that can tackle the impacts of climate change and also be income-generating. The income-generating activities that could mitigate the Green House effect or could be classified under adaptation initiatives, would be covered under the scheme.
Indicative schemes
Battery electric vehicle(E-rickshaw), Compressed air vehicle, Solar energy gadgets, Poly houses.
Quantum of loan
90% of the Unit cost with a maximum of Rs. 2 lac. Quantum of loan shall, however, be reduced to the extent of the amount of subsidy available, if any.
Promoters’ contribution
10% of the unit cost
Benefits
Quantum of Assistance
National Safai Karamcharis Finance and Development Corporation (NSFDC) would provide need-based loans under the scheme as permissible under the NSFDC Term Loan Lending Policy, promoter contribution, and after taking into consideration the margin money being provided by Special Central Assistance (SCA), subsidies provided by other government agencies, and subsidies provided to below poverty line (BPL) beneficiaries under the Central-Sector Scheme of Special Central Assistance to the Special Component Plan, to the extent of ₹ 10,000/- or 50% of the unit cost, whichever is less.
Interest Rates
| Scheme | Unit Cost | Maximum Loan Limit up to 90% of unit Cost | Interest per Annum | Interest per Annum |
| | | | SCA/CA | Beneficiary |
| Green Business Scheme (GBS) | Up to Rs. 7.50 Lakh | Rs. 6.75 lakh | 2% | 4% |
| | Above Rs. 7.50 lakh & up to Rs. 15.00 lakh | Rs. 13.50 lakh | 3% | 6% |
| | Above Rs. 15.00 lakh & up to Rs. 30.00 lakh | Rs. 27.00 lakh | 4% | 7% |
*(1% Rebate from NSKFDC share of interest in case of Female Beneficiaries.)
Repayment
The loan under the scheme shall be repaid in quarterly installments, within a maximum period of 10 years including moratorium period of 06 months. In addition, 120 days moratorium period is allowed to SCA for fund utilization.
Eligibility
Safai Karamcharis, Scavengers, and their Dependents are eligible for the scheme.
Application Process
Offline
Online
The beneficiaries submit the loan applications to the District Offices of State Channelizing Agencies (SCAs) of NSKFDC, Branches of Regional Rural Banks (RRBs), and Nationalized Banks. The District Offices of SCAs/Branches of RRBs/Nationalised Banks send these applications after scrutiny to their Head Offices. The viability of the project proposals is being appraised by the SCAs/ RRBs/Nationalised Banks and the viable projects are sent to NSKFDC along with their recommendations.
Documents Required
- Aadhaar Card
- Driving License
- Bank Details
- Caste Certificate
- Income Certificate
- Domicile Certificate
Frequently Asked Questions
What is the interest rate offered by the scheme?
What is the loan amount offered under the scheme?
What is the repayment tenure of the laon amount?
What are the activities for which a loan under the scheme are provided?
What is the purpose to avail the loan amount?
Sources And References
Was this helpful?Details
The Green Business Scheme has been launched by the National Safai Karamcharis Finance and Development Corporation (NSFDC) to provide financial assistance in the form of loans for activities that can tackle the impacts of climate change and also be income-generating. The income-generating activities that could mitigate the Green House effect or could be classified under adaptation initiatives, would be covered under the scheme.
Indicative schemes
Battery electric vehicle(E-rickshaw), Compressed air vehicle, Solar energy gadgets, Poly houses.
Quantum of loan
90% of the Unit cost with a maximum of Rs. 2 lac. Quantum of loan shall, however, be reduced to the extent of the amount of subsidy available, if any.
Promoters’ contribution
10% of the unit cost
Benefits
Quantum of Assistance
National Safai Karamcharis Finance and Development Corporation (NSFDC) would provide need-based loans under the scheme as permissible under the NSFDC Term Loan Lending Policy, promoter contribution, and after taking into consideration the margin money being provided by Special Central Assistance (SCA), subsidies provided by other government agencies, and subsidies provided to below poverty line (BPL) beneficiaries under the Central-Sector Scheme of Special Central Assistance to the Special Component Plan, to the extent of ₹ 10,000/- or 50% of the unit cost, whichever is less.
Interest Rates
| Scheme | Unit Cost | Maximum Loan Limit up to 90% of unit Cost | Interest per Annum | Interest per Annum |
| | | | SCA/CA | Beneficiary |
| Green Business Scheme (GBS) | Up to Rs. 7.50 Lakh | Rs. 6.75 lakh | 2% | 4% |
| | Above Rs. 7.50 lakh & up to Rs. 15.00 lakh | Rs. 13.50 lakh | 3% | 6% |
| | Above Rs. 15.00 lakh & up to Rs. 30.00 lakh | Rs. 27.00 lakh | 4% | 7% |
*(1% Rebate from NSKFDC share of interest in case of Female Beneficiaries.)
Repayment
The loan under the scheme shall be repaid in quarterly installments, within a maximum period of 10 years including moratorium period of 06 months. In addition, 120 days moratorium period is allowed to SCA for fund utilization.
Eligibility
Safai Karamcharis, Scavengers, and their Dependents are eligible for the scheme.
Application Process
Offline
Online
The beneficiaries submit the loan applications to the District Offices of State Channelizing Agencies (SCAs) of NSKFDC, Branches of Regional Rural Banks (RRBs), and Nationalized Banks. The District Offices of SCAs/Branches of RRBs/Nationalised Banks send these applications after scrutiny to their Head Offices. The viability of the project proposals is being appraised by the SCAs/ RRBs/Nationalised Banks and the viable projects are sent to NSKFDC along with their recommendations.
Documents Required
- Aadhaar Card
- Driving License
- Bank Details
- Caste Certificate
- Income Certificate
- Domicile Certificate
Frequently Asked Questions
What is the interest rate offered by the scheme?
What is the loan amount offered under the scheme?
What is the repayment tenure of the laon amount?
What are the activities for which a loan under the scheme are provided?
What is the purpose to avail the loan amount?
Sources And References
Was this helpful?