§1Who it is for

  • Safai karamcharis, waste pickers, manual scavengers and dependants; their SHGs/cooperatives

Useful if

Sanitation workers starting sanitation-related or other ventures

Do not spend time on it if

General entrepreneurs

§2Eligibility

  1. The applicant should be a Safai Karamchari (including a Waste Picker), an identified Manual Scavenger, or their dependent.
  2. The applicant may be a registered cooperative society of Safai Karamcharis.
  3. The applicant may be a legally constituted association or firm promoted by the target group.
  4. The applicant should produce a certificate issued by the local Revenue Officer/local Municipal Officer/Cantonment Executive Officer/Railway Officer, Head of the Govt. Departments (i.e. Schools, Colleges, Forest, Health, Education, Animal Husbandry) having rank not less than Gazetted Officer, Elected Members of Municipal Body & Pradhan of Gram Panchayats, Regional Managers of Regional Rural Banks(RRBs)/Nationalised Banks.
  5. The applicant identified as a Manual Scavenger under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, is not required to furnish a certificate if their name appears in the final list of Manual Scavengers prepared by the State Government or Union Territory Administration.
  6. The project proposed by the applicant should be financially viable and capable of generating income.
  7. Scavengers and amongst scavengers those scavengers whose income is below double the poverty line

Women from among the target group and

  1. Disabled persons among the target group.

§3Benefits

Beneficiary

  • Individual; Maximum Project Cost: ₹15,00,000; Rate of Interest to Beneficiary: 6% per annum; Repayment Period: Up to 7 years
  • Self-Help Group (SHG) / Joint Responsibility Group (JRG) / Cooperative / Dry Waste Collection Centre; Maximum Project Cost: ₹50,00,000; Rate of Interest to Beneficiary: 6% per annum; Repayment Period: Up to 7 years

Conditions Associated with Benefits

  • Financial assistance is provided through Channelising Agencies.
  • Channelising Agencies are charged 3% per annum by NSKFDC.
  • Beneficiaries are charged 6% per annum.
  • Women beneficiaries receive a 1% rebate.
  • A 0.5% rebate is available for timely repayment.

2. Financial Assistance to Urban Local Bodies

  • Financial assistance for procurement of sanitation-related equipment and vehicles costing up to ₹75,00,000 per unit.
  • Additional Support
  • Gap funding through concessional loans for
  • Municipal Solid Waste Management.
  • Construction of Pay and Use Community/Public Toilets.
  • Waste-to-Compost Units.
  • Waste Collection and Segregation Units.
  • Conditions Associated with Benefits

§4Norms — pattern of assistance

Beneficiary

  1. Individual; Maximum Project Cost: ₹15,00,000; Rate of Interest to Beneficiary: 6% per annum; Repayment Period: Up to 7 years
  2. Self-Help Group (SHG) / Joint Responsibility Group (JRG) / Cooperative / Dry Waste Collection Centre; Maximum Project Cost: ₹50,00,000; Rate of Interest to Beneficiary: 6% per annum; Repayment Period: Up to 7 years
  1. Channelising Agencies are charged 3% per annum by NSKFDC.
  2. Beneficiaries are charged 6% per annum.
  3. Women beneficiaries receive a 1% rebate.
  4. A 0.5% rebate is available for timely repayment.

2. Financial Assistance to Urban Local Bodies

  1. Financial assistance for procurement of sanitation-related equipment and vehicles costing up to ₹75,00,000 per unit.
  2. 7% per annum.
  3. 1% for timely repayment.
  4. 7 years.

§5Documents

Tick each one as you get it ready.

§6How to apply

  1. 1

    [Offline] Step 1: The applicant submits the loan application to the District Office of the State Channelizing Agency (SCA) of NSKFDC or to a Branch of a Regional Rural Bank (RRB) or Nationalised Bank.

  2. 2

    Step 2: The District Office of the SCA or the Branch of the RRB/Nationalised Bank scrutinises the application and forwards it to its Head Office.

  3. 3

    Step 3: The SCA, RRB, or Nationalised Bank appraises the project's viability and forwards viable proposals to NSKFDC along with its recommendations.

  4. 4

    Step 4: The Project Appraisal Committee of NSKFDC examines the proposal.

  5. 5

    Step 5: Proposals found to be in order are placed before the Board of Directors of NSKFDC for consideration and sanction.

  6. 6

    Step 6: After approval, NSKFDC issues a Sanction Letter (Letter of Intent) to the concerned SCA, RRB, or Nationalised Bank for acceptance.

  7. 7

    Step 7: The SCA, RRB, or Nationalised Bank accepts the sanction terms and conditions and executes the required loan agreement and other documents.

  8. 8

    Step 8: NSKFDC releases funds to the SCA, RRB, or Nationalised Bank based on demand and in accordance with the Lending Policies and Guidelines (LPG) of NSKFDC.

  9. 9

    Step 9: The SCA, RRB, or Nationalised Bank disburses the sanctioned financial assistance to the beneficiary.

§7Pros and cons

Merits

  • Loan up to ₹15 lakh (individual) or ₹50 lakh (group) at 6% p.a.
  • Repayment up to 7 years

Demerits

  • Target group only
  • Routed through channelising agencies

→Related schemes

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Sources

  1. myScheme — Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur
  2. Official Website
  3. Guidelines

Checked on 18 October 2026. For information only — confirm with the department or bank. Spotted a mistake? Report it.