Loan based Scheme for Pay and Use Community Toilets

What is Loan based Scheme for Pay and Use Community Toilets?

The “Pay and Use” Community Toilets Scheme under Swachhta Udyami Yojana by NSKFDC offers concessional loans to Safai Karamcharis and their dependents for setting up public toilet units, promoting sanitation, livelihood, and dignity.

Benefit

1. **Livelihood:** Enables Safai Karamcharis to shift from manual scavenging to a respectable, income-generating sanitation business. 1. **Collateral-Free, Low-Interest Loan:** Offers up to ₹25 lakh without collateral, at just 4% interest (even lower for women and timely repayment). 1. **Moratorium period:** Six Months in addition to implementation period of six months. 1. **Repayment period:** 10 Years after implementation period of 180 days and moratorium of 180 days 1. **Entrepreneurship Opportunity:** Encourages self-employment by allowing beneficiaries to construct and operate public “Pay and Use” toilet units.

Level

Central

Ministry / Dept.

Ministry Of Social Justice and Empowerment

Benefit type

cash

Key eligibility

Indian citizens aged 18 years or above are eligible belonging to the category of: 1. Safai Karamcharis 1. Manual scavengers 1. Dependents of the above groups Individual beneficiaries/ self-help groups from the target group of NSKFDC, through State Channelizing Agencies (SCAs), in collaboration with

Last verified

Recently

Benefits

1. **Livelihood:** Enables Safai Karamcharis to shift from manual scavenging to a respectable, income-generating sanitation business. 1. **Collateral-Free, Low-Interest Loan:** Offers up to ₹25 lakh without collateral, at just 4% interest (even lower for women and timely repayment). 1. **Moratorium period:** Six Months in addition to implementation period of six months. 1. **Repayment period:** 10 Years after implementation period of 180 days and moratorium of 180 days 1. **Entrepreneurship Opportunity:** Encourages self-employment by allowing beneficiaries to construct and operate public “Pay and Use” toilet units.

Eligibility

Documents Required

How to Apply

1. Step 1: Online application — step 1

   Loan applications are submitted by the applicants to the district offices of SCAs of NSKFDC of RRBs and Nationalised Banks. These applications are then sent to the head offices where the project proposal is appraised by SCA/RRBs/Nationalised Banks and the projects are sent back to NSKFDC along with recommendations. The Project Appraisal Committee of NSKFDC then appraises the proposals and after finding them in order places it in front of their board of directors for their approval. Once the board of directors approves the project, the letter of sanction is issued by SCAs/ RRBs/Nationalised Banks. Once all the terms and conditions have been accepted, the necessary documents and funds are then released to the concerned beneficiaries. NSKFDC released the funds with the receipt of demand being made from the SCAs/ RRBs/Nationalised Banks after taking into consideration all the parameters of release as per the Lending Policies & Guidelines (LPG) of NSKFDC.

2. Step 2: Offline application — step 1

   Interested eligible person shall contact nearest Channeling Agency. The list of state wise Channelizing Agencies may be accessed by visiting the website .

Sources & References

• Official scheme website ↗
• Source record ↗
• Information is summarised from official government sources. Verify all details on the official website before applying.