NHFDC has also launched Divyangjan Swavalamban Yojana, which provides concessional credit for the benefit of the persons with disabilities (Disability as defined in PwD Act, 2016 or its amendments) in the income generation, they help PwDs in pursuing higher education after class 12th, vocational or skill development, purchase and fitment of any assistive device(s)/ Customization/ Retrofitting or conversion of available machine, equipment, vehicle to disabled friendly mood.
Talking about this Divyangjan Swavalamban Yojana, Rajan Sehgal, CMD said, “the main objective of the scheme is to assist the needy disabled persons by providing concessional loan for economic and overall empowerment to any Citizen of India with 40% or more disability, and age above 18 years (in case of person with mental retardation, eligible age would be above 14 years).”
“The upper limit to extend concessional credit through various NHFDC schemes would be Rs. 50 lakhs per beneficiary/unit and the nature of loan could be term loan / working capital loan / promoter contribution towards the loans being sanctioned by other financial institutions.”
According to Sehgal “We wish to empower these divyangjans by facilitating them not only in education or employment, but also in providing them an enabling atmosphere to market and sell their products.”
“In this regards our cooperation has thought of not only creating skill centers, but also hold exhibitions throughout the country, where the artistic designs and handicraft work of them can be sold at competitive price. In February 2020 they corporation is planning to hold an exhibition cum sale event in New Delhi. NHFDC aims to provide platform to the disables to Brand their products in such a way that it should be market friendly and sell them at competitive price and scale over different website,” Sehgal said.
NHFDC, under the Ministry of Social Justice & Empowerment, Government of India, has been financing income generating schemes of the Disabled Persons for their socio-economic empowerment through state channelizing agencies (SCAs). It is set up to promote self-employment and other ventures for the benefit of the Divyangjans. In addition to this NHFDC assist them by providing loans for pursuing general/ professional/ technical education for training at graduate and higher levels.
They also support in upgradation of technical and entrepreneurial skills and facilitate inclusion and comfortable living of Divyangjans by setting up training programs, quality control, common facility centers and other infrastructural activities. The Corporation functions as an apex institution for channelizing the funds to the people with disability and furthermore support’s the state-level organizations by way of providing financial assistance and self-employed individuals /groups of individuals or registered factories/companies/co-operatives of PwDs in marketing their finished goods and assist in the procurement of raw materials. Besides this, they extend concessional credits through various implementing agencies, banks, NGOs and various other financial institutions.
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