GENERAL TERM LOAN (GTL)is a self-employment scheme designed to empower dependents of Safai Karamcharies providing them with financial assistance and support to start their   own ventures. This scheme enables eligible candidates to establish sustainable businesses in various sectors such as piggery, goatery, furniture manufacturing etc. The scheme aims   to promote entrepreneurship, economic independence, and socio-economic development.

  This scheme is being run in collaboration with NSKFDC, New Delhi.

 ELIGIBILITY CRITERIA:

• The dependents of Safai Karamchari who are employed/engaged in sanitation work on regular/contract basis are eligible under this scheme.
• The beneficiary should a be bonafide resident of Himachal Pradesh.
• The beneficiary should not be a defaulter of bank orany other financial institution.
• The age of beneficiary should not be less than 18 years and above 55 years.
• Beneficiary has to submit his CIBIL score rating for availing loan under this scheme
  
  
• LOAN LIMIT               UPTO Rs. 15.00 Lakh (in collaboration with NSKFDC, New Delhi)  
• Rate of Interest:-      8 % upto Rs. 10.00 Lakh and 9%upto Rs. 15.00 Lakh per annum