NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%)
Concessional loans up to ₹50 Lakh at 5% to 8% interest per annum for persons with disabilities (40%+ disability) to start commercial enterprises.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Administered under Department of Empowerment of Persons with Disabilities (DEPwD)
Official Budget Document ↗Over 2.5 Lakh Divyangjan entrepreneurs supported across India
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Indian citizen with 40% or more disability (certified under RPwD Act 2016) above 18 years of age.
Required Documents Checklist
Verify readiness before applying for NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(4)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Approach State Channelizing Agency (SCA), partner bank, or apply online via nhfdc.nic.in.
- 2
Attach UDID card proving minimum 40% disability and project proposal.
- 3
SCA appraises proposal and recommends for NHFDC refinance.
- 4
Loan disbursed with 10-year repayment tenure and 6 to 12 months moratorium.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Disability percentage below 40%, absence of valid UDID card, or non-viable business model.
Official Government Application Portal
You will be redirected to the secure official portal: nhfdc.nic.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the minimum disability required?
The applicant must have 40% or more disability certified by a competent medical authority or UDID card.
Source: Official Scheme FAQ ↗What is the interest rate for women with disabilities?
Women with disabilities receive a special 0.5% interest rate rebate across all loan slabs (e.g. 4.5% up to ₹50,000).
Source: Official Scheme FAQ ↗What activities can be financed?
Any income-generating activity including retail shops, xerox centers, dairy, manufacturing, software services, and transport vehicles.
Source: Official Scheme FAQ ↗Can I track my NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%) application status?
Application status for NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%) can typically be tracked through the official portal at nhfdc.nic.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Disability percentage below 40%, absence of valid UDID card, or non-viable business model.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of NHFDC Divyangjan Swavalamban Yojana (Concessional Loans up to ₹50 Lakh at 5%) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous annual application cycle
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of NHFDC Divyangjan Swavalamban Yojana (Concessional Loans...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
NHFDC Head Office
Unit No. 11 & 12, Ground Floor, DLF Prime Tower, Okhla Phase-I, New Delhi 110020
Helpline: 011-45803730
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.