Dilli Swarojgar Yojna provides loans up to ₹5,00,000/- at 6% interest for income-generating activities. The scheme targets individuals from SC, ST, OBC, and Minority communities. The loans are disbursed for activities such as vegetable/fruit/flower shops, dairy products, tailoring shops, etc.
Dilli Swarojgar Yojna - Introduction
The scheme "Dilli Swarojgar Yojna" by the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minorities Financial and Development Corporation (DSFDC), Government of National Capital Territory (NCT) of Delhi, aims to provide need-based loans up to ₹5,00,000/- at an interest rate of 6% per annum for various income-generating activities.
The scheme targets individuals from Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and Minority communities, enabling them to start or expand small businesses.
Eligible applicants must be residents of Delhi for the last five years, aged between 18 to 50 years, and have an annual family income not exceeding ₹2,00,000/-.
The loans are disbursed for activities such as vegetable/fruit/flower shops, dairy products, tailoring shops, and other permissible non-polluting manufacturing activities.
Benefits
Need-based loans up to ₹5,00,000/- at an interest rate of 6% per annum to support an dsfdc.delhi.gov.in mentioned in the scheme guidelines.
Eligibility
- The applicant should be from one of the following target groups - Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority.
- The applicant must be a resident of Delhi for the last five years.
- The applicant’s age should be between 18 to 50 years.
- The annual family income of the applicant, from all sources, should not exceed ₹2,00,000/-.
- The applicant should be willing to pursue one of the income-generating activities given in the scheme guidelines.
- The applicant must have a proper workplace for starting the proposed activity, either owned by the applicant or their relative or rented.
- The applicant should not have been declared a defaulter under any of the schemes being implemented by the DSFDC.
- The applicant should have passed a minimum 8th standard.
- The applicant should have technical qualifications for the proposed activity. However, this will not apply to traditional artisans or entrepreneurs already engaged in the activity for which the loan is applied, for the past three years at least.
Application Process
- Step 1: The interested applicant should visit the DSFDC branch offices (Rajpur Road, Mangolpuri, Nand Nagri) or headquarters at Rohini to collect the loan application form for the scheme. Pay the form fee of ₹100/-. Alternatively, take print of the prescribed format of the application form from the official website of DSFDC.
- Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph, and attach copies of all the mandatory documents (self-attest, if required).
- Step 3: Submit the duly filled and signed application form along with the documents at the nearest DSFDC branch office or headquarters. Pay the processing fee of ₹500/- via demand draft in favor of DSFDC.
- Step 4: Request a receipt or acknowledgement.
Once the application is approved, the applicant will receive a loan sanction letter.
The applicant must sign the loan agreement and provide post-sanction documents as listed.
After completing all formalities, the loan amount will be disbursed to the applicant’s bank account.
The applicant must repay the loan as per the agreed terms and conditions. Ensure timely repayment through the Electronic Clearing Service (ECS) or post-dated cheques provided during the application process.