๐Ÿ’ณ Divyangjan Swavalamban Card Loan Yojana – Business aur Education ke Liye Low-Interest Loan (via NHFDC) 2025 Guide

๐Ÿ’ณ Divyangjan Swavalamban Card Loan Yojana – Business aur Education ke Liye Low-Interest Loan (via NHFDC) 2025 Guide

Focus Keywords: Swavalamban Card Loan Yojana, Divyangjan business loan, NHFDC loan scheme, low interest loan for disabled, Divyang education loan India

๐Ÿ”ถ 1. Introduction – Jab Sapne Ho Swavalamban Se Judey

Divyang vyaktiyon ke liye khud ka business start karna ya higher education pura karna mushkil nahi hona chahiye – yeh maanna hai Bharat Sarkar ka. Isi vision ke tahat launch hui hai Divyangjan Swavalamban Card Loan Yojana, jiske through eligible persons with disabilities ko low-interest loan milta hai business, education ya self-employment ke liye.

Yeh scheme operate hoti hai National Handicapped Finance and Development Corporation (NHFDC) ke madhyam se, jo ki Department of Empowerment of Persons with Disabilities (DEPwD) ke under kaam karta hai.

๐Ÿ”ถ 2. Scheme Ka Objective – Financial Freedom for Divyangs

✅ Divyang vyaktiyon ko self-employment aur swarozgar ke liye financial support dena
✅ Accessible education aur professional training ka finance provide karna
✅ Disability ke bawajood apna career, business ya dream pursue karne ka mauka dena
✅ Inclusivity aur economic empowerment ko badhava dena

Swavalamban Card ek tool of dignity hai – jo aapko apne sapne sach karne mein madad karta hai.

๐Ÿ”ถ 3. Swavalamban Card – Kya Hai Aur Kaise Kaam Karta Hai?

๐Ÿ“Œ Swavalamban Card ek unique ID card hai jo NHFDC issue karta hai registered Divyang applicants ko
๐Ÿ“Œ Is card ke zariye aapko NHFDC ke schemes ka direct benefit milta hai – jaise ki loan, subsidy, training
๐Ÿ“Œ Is card se aapki disability aur eligibility digitally verify ho jaati hai
๐Ÿ“Œ CSC centers ya NHFDC partners ke through loan application process simplify ho jaata hai

Yani, card holder ke liye loan lena aur track karna bahut asaan ho jaata hai.

๐Ÿ”ถ 4. Loan Options – Kis Purpose Ke Liye Loan Milta Hai?

✅ A. Business / Swarozgar Loan:

  • Apna dukaan, factory, online business, service unit, franchise, etc.

  • Loan Amount: ₹50,000 se ₹50 Lakh tak

  • Interest Rate: 5% – 9% per annum (category ke hisaab se)

  • Repayment: 3 se 10 saal tak

✅ B. Education Loan (Higher Studies ke liye):

  • Domestic aur International education (college, university, professional course)

  • Loan Amount: ₹10 Lakh (India), ₹20 Lakh (abroad)

  • Interest Rate: 4% per annum (female candidates ke liye 0.5% chhoot)

  • Moratorium Period: Course duration + 1 year

  • Repayment: 5 se 7 saal tak

✅ C. Skill Development & Training:

  • Short-term courses ke liye bhi ₹50,000 tak ka loan milta hai

๐Ÿ”ถ 5. Eligibility Criteria – Kaun Le Sakta Hai Labh?

✅ Indian citizen hona chahiye
✅ Minimum 40% benchmark disability ho (Disability Certificate ya UDID card)
✅ Age: 18 se 55 saal tak (education loan ke liye max. 35 saal)
✅ Viable business ya course hona chahiye
✅ Applicant ke naam pe bank account hona chahiye
✅ Co-applicant (jaise parent/guardian) education loan ke liye zaroori hai

๐ŸŽฏ Women, SC/ST, OBC aur BPL background ke applicants ko priority aur subsidy milti hai.

๐Ÿ”ถ 6. Documents Required

๐Ÿ“„ Aadhaar Card
๐Ÿ“„ Disability Certificate / UDID Card
๐Ÿ“„ Passport size photo
๐Ÿ“„ Address proof
๐Ÿ“„ Income certificate
๐Ÿ“„ Business/project proposal (business loan ke liye)
๐Ÿ“„ Admission letter & course fee (education loan ke liye)
๐Ÿ“„ Bank passbook (with IFSC)
๐Ÿ“„ Guarantor/Co-applicant ID proof

๐Ÿ”ถ 7. Loan Application Process – Step-by-Step Guide

๐ŸŸข Option 1: Online via NHFDC

  1. Visit karein: www.nhfdc.nic.in

  2. “Loan Schemes” ya “Apply for Swavalamban Card” section open karein

  3. Register karein aur login karke application form bharen

  4. Documents scan karke upload karein

  5. Project proposal (business) ya admission documents (education) attach karein

  6. Application submit karein – NHFDC ya nodal agency aapko contact karega

๐ŸŸข Option 2: Apply via CSC (Common Service Center)

  1. Najdeeki CSC center par jaayein

  2. VLE ko bolein: “Swavalamban Card Loan Yojana ke liye apply karna hai”

  3. Saare required documents le jaayein

  4. VLE aapka registration aur form fill karega

  5. Swavalamban Card generate hone ke baad loan process start hota hai

๐Ÿ“Œ CSC ke zariye rural Divyang log bhi asaani se apply kar sakte hain.

๐Ÿ”ถ 8. Subsidy aur Other Benefits

✅ SC/ST candidates ke liye special subsidy available hai
✅ Women entrepreneurs ke liye 0.5% interest rebate
✅ Training aur handholding support milta hai
✅ Loan ke saath sathi mein financial literacy programs bhi chalay jaate hain
✅ 100% financing available – collateral free up to ₹5 lakh

๐Ÿ”ถ 9. Real-Life Success Stories – Jab Loan Ban Gaya Turning Point

✔️ Manoj (orthopedic disability) ne ₹2 lakh ka loan lekar ek mobile repair shop start ki – aaj ₹25,000+ monthly kamaate hain
✔️ Sushmita (hearing impaired) ne beauty parlor course ke baad ₹1.5 lakh ka loan lekar apna salon khola
✔️ Ravi (visually impaired) ne education loan lekar MBA complete kiya, aaj ek MNC mein kaam kar rahe hain
✔️ Nazma (locomotor disability) ne handicrafts business ke liye ₹3 lakh ka loan le kar e-commerce portal start kiya

Swavalamban Card in logon ke liye ek zindagi badalne waala tool ban gaya.

๐Ÿ”ถ 10. FAQs – Divyang Swavalamban Loan Yojana

Q1. Kya yeh loan sirf business ke liye hi hai?
๐Ÿ‘‰ Nahi, education aur skill training ke liye bhi available hai.

Q2. Kya loan ke liye guarantor chahiye?
๐Ÿ‘‰ ₹5 lakh tak ke loan mein generally collateral nahi lagta, lekin co-applicant ya guarantor zaroori ho sakta hai.

Q3. Kya interest subsidy har applicant ko milti hai?
๐Ÿ‘‰ Nahi, SC/ST/BPL aur women ko priority ke saath subsidy milti hai.

Q4. Kya yeh loan private institute ke liye bhi milta hai?
๐Ÿ‘‰ Haan, agar wo UGC/AICTE ya equivalent approved ho to.

Q5. Swavalamban Card ka kya use hai?
๐Ÿ‘‰ Aapka identity proof ban jaata hai NHFDC loan aur benefit ke liye.

๐Ÿ”ถ 11. Tips for Faster Approval

๐Ÿ”น Apne documents pehle se ready rakhein
๐Ÿ”น Business proposal ya course ka detail sahi tareeke se likhein
๐Ÿ”น Bank account active aur IFSC verified ho
๐Ÿ”น CSC ke through apply karein to support milta hai
๐Ÿ”น Disability certificate valid aur latest ho

Clear aur complete application hone par loan approval tezi se hota hai.

๐Ÿ”ถ 12. Conclusion – Swavalamban Ka Safar Shuru Kijiye Aaj Se

Divyangjan Swavalamban Card Loan Yojana sirf ek loan scheme nahi hai, balki Divyang vyaktiyon ko khud pe bharosa dene ka ek platform hai. Chahe aap apna business shuru karna chahte ho, ya higher education pursue karna – yeh scheme aapke liye hai.

Aaj hi Swavalamban Card banwayein, aur ek naye, swavlambi aur atmanirbhar safar ki shuruaat karein!

๐Ÿ”— Footer

๐Ÿ‘‰ Yeh jankari aap tak laayi gayi hai blog: Solve Your Problem
Government Schemes, Loans, Jobs & Online Services ki puri jankari ke liye hamare blog ko zaroor follow karein!

๐Ÿ“– Pichhla Blog Post: Reservation in Government Jobs for Divyangjan – Sarkari Naukri Mein 4% Reservation (2025 Guide)


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