| F.A.Q |
|
| Q1. |
What are the various loan schemes of the corporation ? |
| Q2. |
What is the maximum limit of loan advance in which scheme ? |
| Q3. |
What is the income limit for getting loan ? |
| Q4. |
What is the rate of interest ? |
| Q5. |
What is the age limit for Eligibility for getting loan ? |
| Q6. |
How long it will take to release the loan payment ? |
| Q7. |
Which documents are required ? |
| Q8. |
Is there any subsidy involved in your loan scheme ? |
| Q9. |
Who is competent Athority to issue S.C certificate ? |
| Q10. |
In case beneficiary is handicapped wether he is eligible to get loan even if he is non scheduled caste? |
| Q11. |
Which type of security/surity is accepted? |
| Q12. |
Whether joint surety is acceptable ? |
|
|
| Q1. |
What are the various loan schemes of the corporation ? |
| Ans. |
|
|
|
| Q2. |
What is the maximum limit of loan advance in which scheme ? |
| Ans |
|
|
|
| Q3. |
What is the income limit for getting loan ? |
| Ans. |
Scheme wise income limit as under- |
| 1. |
In Direct lending Scheme income limit would be as 1.00 lac no income limit in case of unemployed. |
| 2. |
In Scheme Collabration with NSFDC any person having an income below double of the poverty line is eligible. |
| 3. |
In Scheme Collabration with NSKFDC any safai karamchari or his
dependent is eligible for availing loan. |
| 4. |
In Scheme Collabration with NHFDC below Rs2,00,000/- for urban area and 1.60 lac for rural area P.A. |
| 5. |
Bank Tie Up - Scheme- Rs 20,000/- for rural area and Rs 27,500 |
|
for urban area P.A. |
| 6. |
Self Employement Scheme for Rehabilitation of manual scavengers are eligible if any. |
|
|
| Q4. |
What is the rate of interest ? |
| Ans1. |
In D.L Scheme--------------------- |
upto 3000 free of interest
3001 to 10,000 -3%
10,001 to 20,000 -4.5%
20,001 to 30,000 -5.5%
30000 & above -8%
In Annexure 'A', Loan for higher study are free for the people with income limit up to double the poverty line,5% charges for delyed payment. |
| 2. |
In NSFDC Scheme--------------6% interest upto Rs.5.00Lacs, 8% interest above Rs.5.00Lacs,penal intt @ 5% charged for delayed payment. |
| 3. |
In NSKFDC Scheme-------------do |
| 4. |
In NHFDC Scheme---------------up to 50,000 @ 5%,50001 to 5.00 lac 6% above 5lac 8%. |
| 5. |
In BankTieup Scheme--------------------Corporation disbursed capital subsidy only, loan disbursed by bank. |
| 6. |
In SELF EMPLOYMENT SCHEME FOR REHABILITATION OF MANUAL SCAVENGERS[SRMS]---------Click Here for more details |
|
|
| Q5. |
What is the age limit for Eligibility for getting loan ? |
| Ans1. |
In D.L Scheme---------------------18 years to 55 years |
| 2. |
In NSFDC Scheme---------------do |
| 3. |
In NSKFDC Scheme-------------18 years to 55 years |
| 4. |
In NHFDC Scheme---------------18 years to 60 years |
| 5. |
In Bank Tie Up Scheme--------- As per Bank Policies |
| 6. |
In SELF EMPLOYMENT SCHEME FOR REHABILITATION OF MANUAL SCAVENGERS[SRMS]--------- As per national corporation policies [Details] |
|
|
| Q6. |
How long it will take release the loan payment ? |
| Ans. |
If loan case complete in all respect the payment made to the beneficiary with in 45 days or before. |
|
|
| Q7. |
Which documents are required ? |
| Ans 1. |
Application form duly attested by competent Authority.. |
| 2. |
Attested copy of S.C certificate.. |
| 3. |
Valuation certificate of property to be mortgage.. |
| 4. |
Map of property. |
| 5. |
If property is outside LalLakeer than there is required farad zama bandi. |
| 6. |
If property is own purchase, then copy of registry to be attached.. |
| 7. |
Affidavit regarding loan.. |
| 8. |
3 attested photographs. |
| 9. |
In case of service surity their employer certificate salary certificate,surity bond. |
|
|
| Q8. |
Is there any subsidy involved in your loan scheme ? |
| Ans. |
There is a subsidy component in all the scheme expect direct lending scheme @ 50% or 10,000/ which ever is less and in case of NHFDC subsidy is avaliable for S.C handicaped beneficiary only. |
|
|
| Q9. |
Who is competent Athority to issue S.C certificate ? |
| Ans. |
S.D.M Or Tehsildar. |
|
|
| Q10. |
In case beneficiary is handicapped wether he is eligible to get loan even if he is non scheduled caste ? |
| Ans. |
Yes a non Scheduled caste is eligible and can get loan if he fulfill the condition of loan scheme. |
|
|
| Q11. |
Which type of security/surety is accepted ? |
| Ans. |
Any immoveble property FREE from Encumbrance or service surety in case of regular Govt.Employee. |
|
|
| Q12. |
Whether joint surety is acceptable ? |
| Ans. |
Yes acceptable. |
FAQs
