Wide Range of Income Generating Schemes to Disabled Persons

These are the various Schemes loans providing by government to Handicapped Personas

For setting up small business in Service/Trading sector :

Loan up to Rs. 3.0 lakh for sales/trading activity and Rs. 5.00 lakh for service sector activity.
The small business, project or activity, for which financial assistance has been sought will have to be operated by the disabled person himself and employing at least 15% disabled persons in his venture.

For purchase of vehicle for commercial activity : 

Loan upto Rs. 10.00 lakh.

Purchase of vehicle including auto rickshaw for commercial activity purpose.

For setting up small industrial unit : 

Loan upto Rs. 25.00 lakh.

Loan assistance is provided to disabled persons for manufacturing, fabrication and production. The disabled person will be the owner/chief executive of the company and will employ at least 15% disabled persons.

For Agricultural activities :

Loan upto Rs. 10.00 lakh

Loan assistance is provided to disabled persons for agricultural production, irrigation, horticulture, sericulture, purchase of agricultural machinery/equipment for agricultural service, marketing of agricultural products etc.

For self-employment amongst persons with mental retardation, cerebral palsy and autism : 

Loan upto Rs. 10.00 lakh

In such cases, the financial assistance is extended through parents or legal guardian or spouse of the dependant mentally disabled person

Eligibility

Any disabled person who fulfils the following criteria is eligible to apply for financial assistance

• Any Indian Citizen with 40% or more disability.

• Age above 18 years.

• Relevant educational / technical / vocational qualification/ experience and background. 

Rate of Interest 

• Upto Rs. 50,000/- - 5% p.a.

• Above Rs. 50,000/- and Upto Rs. 5.0 lakh - 6% p.a.

• Above Rs. 5.0 lakh and Upto Rs. 15.0 lakh - 7% p.a.

• Above Rs. 15.0 lakh and Upto Rs. 25.0 lakh - 8% p.a.

In case of VH/HH/MR 

• Upto Rs. 50,000/- - 4.5% p.a.

• Above Rs. 50,000/- and Upto Rs. 5.0 lakh - 5.5% p.a.

• Above Rs. 5.0 lakh and Upto Rs. 15.0 lakh - 6.5% p.a.

• Above Rs. 15.0 lakh and Upto Rs. 25.0 lakh - 7.5% p.a.

A rebate of 1% p.a. on interest to women beneficiaries

More Details and Website: 

http://www.nhfdc.nic.in/schemes/schemes-implemented-through-scas-nationalised-banks