What is NSKFDC Loan Scheme?
National Safai Karamcharis Finance & Development Corporation (NSKFDC), set up on 24 January 1997 under the Ministry of Social Justice & Empowerment, is a 'Not for Profit' Government of India company that serves as the Apex Corporation for socio-economic upliftment of Safai Karamcharis, Scavengers, and their dependents across India. NSKFDC operates the Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) under the Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013 — providing ₹3.25 lakh one-time cash subsidy plus concessional loans for alternative livelihood. NSKFDC also offers term loans for small business setup (up to ₹15 lakh at 6% interest), Mahila Samriddhi Yojana loans for Safai Karamchari women (up to ₹50,000 at 5%), Education Loan (up to ₹10 lakh for India / ₹20 lakh abroad at 4%), and Micro Credit Finance Scheme (up to ₹50,000 at 5%). Channelized through State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs), and Nationalised Banks.
NSKFDC Loan Scheme — Quick Overview
| Scheme Name | NSKFDC 2026 — Safai Karamcharis Finance Corporation | Manual Scavenger Rehabilitation |
| Launched By | Government of India |
| Launch Year | 1997 |
| Benefit | ₹3.25 lakh one-time rehabilitation grant + concessional loans up to ₹15 lakh @ 4-6% interest |
| Category | Finance |
| Last Verified | 23 May 2026 |
| Official Portal | https://nskfdc.nic.in |
Benefits of NSKFDC Loan Scheme
₹3.25 lakh one-time rehabilitation grant + concessional loans up to ₹15 lakh @ 4-6% interest
Who is Eligible for NSKFDC Loan Scheme?
- ✓Safai Karamcharis (sanitation workers) — currently employed or formerly employed in waste/sewer cleaning
- ✓Scavengers — identified manual scavengers and their dependents
- ✓Family members (spouse, children, dependent parents) of Safai Karamcharis are also eligible
- ✓Indian citizen aged 18 years and above (no upper age limit)
- ✓Annual family income below ₹3 lakh (rural) / ₹6 lakh (urban) — for concessional loan eligibility
- ✓Must have viable project / business plan or admission letter (for education loan)
Documents Required for NSKFDC Loan Scheme
How to Apply for NSKFDC Loan Scheme Online?
- 1Visit your State Channelizing Agency (SCA) — typically State SC/ST Welfare Corporation or State Safai Karamchari Finance Corporation
- 2Alternatively, approach any branch of a Regional Rural Bank (RRB) or Nationalised Bank empanelled by NSKFDC
- 3Obtain the NSKFDC application form (separate forms for SRMS / Term Loan / Mahila Samriddhi / Education Loan / Micro Credit)
- 4Fill in personal details, Safai Karamchari/Scavenger identification, project/course details, and loan amount sought
- 5Attach documents — Safai Karamchari ID, caste certificate, Aadhaar, PAN, income certificate, project report/admission letter, bank statement
- 6Submit application to SCA/Bank — they verify documents and conduct field appraisal of proposed project or rehabilitation site
- 7SCA forwards approved applications to NSKFDC head office in Delhi — Project Appraisal Committee evaluates
- 8Board of Directors sanctions the loan/grant — typically 30-60 days from complete submission
- 9Disbursement: SRMS rehabilitation grant ₹3.25 lakh in lump sum to bank account; Term loans in instalments based on project milestones
- 10Repayment over 3-10 years (loan-type dependent) at concessional 4-6% interest — no penalty for early repayment
Official Government Portal
Applications go through nskfdc.nic.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗Apply on nskfdc.nic.in