๐Ÿ’ผ National Handicapped Finance and Development Corporation (NHFDC) Schemes – Divyangjan ke liye Self-Employment aur Loan Suvidha 2025

๐Ÿ’ผ National Handicapped Finance and Development Corporation (NHFDC) Schemes – Divyangjan ke liye Self-Employment aur Loan Suvidha 2025

Focus Keywords: NHFDC loan scheme, NHFDC Divyang loan, NHFDC self-employment schemes, handicapped loan 2025, entrepreneurship for disabled in India

๐Ÿ”ถ 1. Introduction – Divyangjan Ke Sapno Ko Mil Raha Hai Pankh

Bharat mein Divyangjan (Persons with Disabilities) ke paas talent ki kami nahi hai, lekin aksar financial resources aur opportunities ki kami unke sapno mein rukawat banti hai. Isi challenge ko address karne ke liye sarkar ne ek dedicated financial institution banaya:

๐Ÿ‘‰ National Handicapped Finance and Development Corporation (NHFDC)

NHFDC ka mission hai Divyang logon ko entrepreneurship aur self-employment ke liye low-interest loans, skill development aur financial support dena, jisse wo apni khud ki pehchaan bana sakein.

๐Ÿ”ถ 2. NHFDC Kya Hai?

NHFDC ek government-owned NBFC (Non-Banking Financial Company) hai jo Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice & Empowerment ke under kaam karta hai.

๐Ÿ‘‰ Yeh corporation Divyang vyaktiyon ke liye special loan schemes aur development programs chalata hai.

NHFDC ka lakshya hai:

✅ Divyang vyaktiyon ka socio-economic empowerment
✅ Financially independent banana
✅ Rojgaar ya business shuru karne ke liye support provide karna
✅ Rural aur backward areas ke Divyang logon tak loan suvidha pahuchana

๐Ÿ”ถ 3. NHFDC Ki Major Schemes (2025 Updated)

๐Ÿ”น 1. Divyangjan Swavalamban Yojana

๐Ÿ‘‰ Sabse popular scheme hai jisme aap khud ka business ya shop start karne ke liye loan le sakte hain.

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

  • Interest Rate: 5% (men), 4% (women), 3% (special cases)

  • Repayment Period: 10 years (including moratorium)

  • Eligibility: 40%+ disability, age 18–60 years

✅ Is loan se aap kirana store, silai center, mobile repair, dairy, tailoring, etc. shuru kar sakte hain.

๐Ÿ”น 2. Education Loan Scheme

๐Ÿ‘‰ Divyang students ke liye professional aur technical courses mein padhai ke liye education loan.

  • Loan Coverage: Tuition fee, hostel, books, equipment, etc.

  • Interest Rate: 4% (3.5% for girls)

  • Courses Covered: India aur abroad dono ke courses

  • Moratorium: Course duration + 1 year

✅ B.Ed, M.Ed, MBA, Engineering, MBBS, aur foreign degrees ke liye bhi available hai.

๐Ÿ”น 3. Skill Training Loan Scheme

๐Ÿ‘‰ Skill development aur vocational training courses ke liye financial support.

  • Loan Amount: ₹20,000 – ₹1 lakh

  • Courses Covered: NSDC/Skill India certified programs

  • Interest Rate: As low as 3–4%

  • Repayment: 5 years tak

✅ Training ke baad aapko job placement ya self-employment mein help milti hai.

๐Ÿ”น 4. Mahila Samriddhi Yojana

๐Ÿ‘‰ Divyang mahilaon ke liye special scheme jisme micro business ke liye easy loan milta hai.

  • Loan Amount: ₹50,000 tak

  • Interest Rate: 4% ya kam

  • Collateral Free Loan

  • Group Lending bhi allowed hai

✅ Beautician course, papad making, agarbatti business, tailoring, etc. ke liye suitable.

๐Ÿ”น 5. Micro Credit Scheme

๐Ÿ‘‰ SHG (Self-Help Groups) ke through Divyang vyaktiyon ko chhoti business activities ke liye loan.

  • Loan Amount: ₹25,000 per member

  • Interest Rate: 5%

  • Repayment: 3 years tak

  • Collateral nahi chahiye

✅ Chhoti dukaan, handcart, handicraft ka business, food items bechna etc. ke liye best hai.

๐Ÿ”ถ 4. Loan Kaise Milta Hai?

NHFDC direct loan nahi deta, balki apne channel partners ke through loans provide karta hai:

  • State Channelizing Agencies (SCA)

  • Regional Rural Banks (RRB)

  • Public Sector Banks (like SBI, PNB)

  • Self-help groups (for micro credit)

Har rajya mein ek SCA appointed hota hai jahan aapko loan application dena hota hai.

๐Ÿ“Œ Aap NHFDC ki website se apne rajya ka SCA dekh sakte hain.

๐Ÿ”ถ 5. Eligibility Criteria (Common for All Schemes)

✅ Indian citizen ho
✅ 40% ya usse adhik disability ho (certified)
✅ Age 18–60 years ke beech ho
✅ Koi aur active loan na ho
✅ Business plan ya course detail available ho
✅ Bank account Aadhaar linked ho

๐Ÿ”ถ 6. Required Documents

๐Ÿ“„ Aadhaar Card
๐Ÿ“„ Disability Certificate (UDID card preferred)
๐Ÿ“„ Passport size photos
๐Ÿ“„ Age Proof
๐Ÿ“„ Income certificate
๐Ÿ“„ Business plan (self-employment loan ke liye)
๐Ÿ“„ Admission letter (education/skill loan ke liye)
๐Ÿ“„ Bank passbook copy

๐Ÿ”ถ 7. Application Process – Step by Step

✅ Offline Mode (Via SCA)

  1. Apne rajya ki SCA office mein visit karein

  2. Loan form lein aur fill karein

  3. Documents attach karein

  4. SCA aapka business/course evaluate karega

  5. Loan sanction hone ke baad amount directly bank account mein aata hai

✅ CSC Ke Madhyam Se

  1. Najdeeki Common Service Center (CSC) par jayein

  2. VLE ko batayein “Divyang NHFDC loan” ke liye apply karna hai

  3. Documents de aur biometric verification karein

  4. CSC VLE form online submit karega

  5. SCA/Bank aapka form process karega

๐Ÿ”ถ 8. NHFDC Loan Kaise Help Karta Hai? – Real-life Examples

✔️ Rajesh (UP) – hearing impaired the, NHFDC loan se mobile repair ki shop start ki, ab ₹20,000 monthly kama rahe hain
✔️ Neelam (MP) – wheelchair user, tailoring ka course kiya aur loan se silai machine le kar apna center khola
✔️ Amit (Bihar) – NHFDC education loan se MBA kiya, ab ek MNC mein job kar rahe hain
✔️ Shabana (Rajasthan) – Mahila Samriddhi Yojana se ₹50,000 le kar beauty parlour start kiya

NHFDC loans ne un Divyang logon ki zindagi badli hai jinko samaj aksar nazarandaaz karta hai.

๐Ÿ”ถ 9. FAQs – NHFDC Ke Sawal Jawab

Q1. Kya loan lene ke liye koi guarantor chahiye?
๐Ÿ‘‰ ₹50,000 tak ke loan mein nahi, par ₹1 lakh se upar ke liye zaroor ho sakta hai

Q2. Kya private sector ke courses ke liye bhi education loan milega?
๐Ÿ‘‰ Haan, agar course NSDC ya govt recognized hai to milega

Q3. Kya yeh loan sirf ek baar milta hai?
๐Ÿ‘‰ Nahi, repayment ke baad aap dusra bhi le sakte ho

Q4. Loan reject hone ka reason kya ho sakta hai?
๐Ÿ‘‰ Documents incomplete, plan unclear, ya previous loan default

Q5. Kya koi processing fees lagti hai?
๐Ÿ‘‰ Zyada tar schemes mein processing fee maaf hoti hai, par SCA ka internal charge ho sakta hai

๐Ÿ”ถ 10. Tips for Easy Loan Approval

๐ŸŸข Apna business plan likhit mein ready rakhein
๐ŸŸข Disability certificate updated ho
๐ŸŸข Aadhaar linked bank account ho
๐ŸŸข Mobile number active ho (SMS ke liye)
๐ŸŸข CSC ya SCA mein personally visit karke form bharein

๐Ÿ”ถ 11. Conclusion – Khud Ka Kaam, Apna Samman

NHFDC schemes Divyang vyaktiyon ke liye ek aasha ki kiran hai. Jab aapke paas business idea hai, toh paison ki kami aapke sapne ko rok nahi sakti – NHFDC aapke saath hai.

Agar aap ya aapka koi parichit Divyang hai aur khud ka kaam shuru karna chahta hai, toh NHFDC ke through loan lekar apna sapna poora karein.

Divyang hone ka matlab kamzor nahi – aap bhi ek successful entrepreneur ban sakte hain.

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: Divyangjan Kaushal Vikas Yojana – Skill Training for Persons with Disabilities


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