Micro Credit Finance under NSKFDC- Haryana
Micro Credit Finance (MCF) Scheme under NSKFDC is implemented by the National Safai Karamcharis Finance and Development Corporation (NSKFDC) under the Ministry of Social Justice and Empowerment, Government of India, and is executed at the state level in Haryana through the Haryana Scheduled Castes Finance and Development Corporation (HSFDC). The scheme aims to provide small-value financial assistance to Safai Karamcharis, manual scavengers, and their dependents for undertaking income-generating activities. It is an ongoing scheme designed to support micro-enterprises by offering affordable credit through Self Help Groups (SHGs). As an MSME or micro-entrepreneur, your business can benefit from easy access to small loans, helping you start or expand livelihood activities with minimal financial burden.
Key Features
- Micro credit through SHGs: The scheme operates on a group-based lending model where beneficiaries form Self Help Groups. This approach ensures better credit discipline, mutual support, and easier access to finance.
- Targeted beneficiary focus: The scheme specifically supports Safai Karamcharis, manual scavengers, and their families, enabling them to shift towards sustainable and dignified livelihood opportunities.
- Support for income-generating activities: Loans are provided for small-scale business activities such as petty shops, livestock, tailoring, or service-based work, helping you build a steady income source.
- Simplified access to credit: The application and approval process is designed to be simple and accessible, making it easier for first-time borrowers to access institutional finance.
Financial Assistance
Eligibility Criteria
- Applicant must belong to Safai Karamchari category or be a dependent
- Must be part of a Self Help Group (SHG)
- Should be from economically weaker sections
- Must be willing to undertake income-generating activity
- Preference given to manual scavengers and their families
- Applicant should not be a defaulter of any financial institution
Non-Eligibility Conditions:
- Individuals not belonging to the target beneficiary group
- Applicants not part of SHG structure
- Defaulters of previous loans
Documents Required
- Aadhaar Card
- Identity Proof
- Address Proof
- SHG membership details
- Income certificate
- Caste/occupation certificate (Safai Karamchari category)
- Bank account details
- Passport size photograph
Application Process
Option 1: Apply with Bullit, Recommended
Start instantly with our guided application support, where our team verifies eligibility, prepares documentation, and coordinates with the Industries Department on your behalf. Using our business loans and compliance calendar, you can track progress while focusing on project execution, we manage the application end-to-end.
Option 2: Apply Online / Offline (Government Process)
Online Process:
- Visit NSKFDC or State Channelising Agency portal
- Register/login on the portal
- Fill application form with SHG and personal details
- Upload required documents
- Submit application
- Receive acknowledgement number
- Track application status
- Escalate through grievance mechanism if needed
Offline Process:
- Approach State Channelising Agency (HSFDC office)
- Form or join a Self Help Group
- Fill application form
- Submit required documents
- Submit to concerned authority
- Receive acknowledgement receipt
- Follow up with office for status
Frequently asked questions
What is the objective of Micro Credit Finance Scheme?
The scheme aims to provide small-value loans to Safai Karamcharis and their dependents through Self Help Groups to support income-generating activities and promote financial inclusion.
Who implements the scheme in Haryana?
The scheme is implemented through the Haryana Scheduled Castes Finance and Development Corporation acting as the State Channelising Agency for NSKFDC.
What is the maximum loan amount available?
The scheme provides micro credit of up to ₹60,000 per beneficiary through the Self Help Group structure.
Is SHG membership mandatory?
Yes, applicants must be part of a Self Help Group as the scheme operates on a group-based lending model.
What type of activities are supported?
The scheme supports small income-generating activities such as petty shops, dairy, tailoring, and other micro-enterprises.
What is the interest rate under the scheme?
The interest rate is concessional and defined by NSKFDC norms. It is generally lower than commercial lending rates.