Loan Based Schemes For Safai Karamchari – General Term Loan (GTL)


  • General Term Loan (GTL) Scheme by Ministry of Social Justice and Empowerment
  • For Safai Karamcharis, Manual Scavengers, and their dependents aged 18 years and above
  • Loan provided for viable income generating schemes including sanitation-related activities


  • Ministry of Social Justice and Empowerment
  • National Safai Karamcharis Finance and Development Corporation (NSKFDC)

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  • To provide financial assistance for income-generating schemes including sanitation-related activities
  • To uplift the socio-economic conditions of Safai Karamcharis and Manual Scavengers


  • Term loan up to 90% of the unit cost with a maximum unit cost of Rs.15.00 lacs
  • Interest rate of 6%
  • Repayment period of up to 10 years
  • Assistance provided for any viable income generating schemes including sanitation-related activities


  • Safai Karamcharis (including Wastepickers), identified Manual Scavengers and their dependents
  • Registered co-operative societies of the target group
  • Legally constituted association/firm promoted by the target group
  • Persons who produce a certificate from local Revenue Officer/local Municipal Officer/Cantonment Executive Officer/Railway Officer, Head of the Govt. Departments, Elected Members of Municipal Body, Pradhan of Gram Panchayats and Regional Managers of Regional Rural Banks (RRBs)/Public Sector Banks (PSBs)
  • Persons identified as Manual Scavenger in a survey and in the final list of Manual Scavengers prepared by State Governments/Union Territory Administration

Implementation Strategy

  • Loans are extended through Channelizing Agencies (CAs) i.e. State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs), and Public Sector Banks (PSBs) to the target group
  • Promoter’s contribution is not insisted upon for projects costing up to Rs.2.00 lac
  • For projects costing more than Rs.2.00 lac, the minimum promoter’s contribution insisted by NSKFDC from the beneficiaries is 5%
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