Ministry of Social Justice and Empowerment
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.
Sign in to see your eligibility against each criterion.
Sign in to see which documents you already have based on your profile.
Check Eligibility
Review all eligibility criteria on this page — turnover, Udyam class, sector, and special conditions.
Prepare Documents
Gather the items from the document checklist above. Incomplete documents are the most common rejection reason.
Submit Application
Apply via the official government portal or the implementing agency listed on this page.
Verification
Officials verify your application and documents. Respond promptly to any queries to avoid delays.
Approval
Receive a sanction letter or approval communication from the implementing agency.
Disbursement
Subsidy or loan credited to your designated bank account (typically 30–90 days after approval).
These are general steps. Check the official portal for scheme-specific requirements.
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