CentralLoanInterest subvention
Loan Based Schemes For Safai Karamchari - General Term Loan (GTL)
Ministry of Social Justice and Empowerment
Last verified: 8 April 2026
A general term loan scheme for Safai Karamchari, Manual Scavengers, and their dependents aged 18 years and above. Provides term loans up to 90% of unit cost with a maximum of Rs. 15.00 lacs at 6% interest rate for any viable income generating schemes including sanitation-related activities. Repayment period up to 10 years after 4 months implementation period and 6 months moratorium from date of loan disbursement.
Eligibility Criteria
CriterionScheme RequiresStatus
State / LocationAll states—
Udyam Classmicro, small—
Owner Categorysc, st, obc, general, women, pwd—
Annual TurnoverAny—
Sector & Business TypeTransport, Small and Petty Business, Non-land based schemes, Sanitation based equipments · service, trading, manufacturing—
Business AgeNo restriction—
Area TypeAll area types—
Special ConditionsNone—