NHFDC Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 at 5%)
Collateral-free micro-credit up to ₹60,000 per member at 5% interest per annum for persons with disabilities organized into Self Help Groups.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Over 75,000 Divyangjan micro-entrepreneurs empowered via SHG credit
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Persons with 40% or more disability organized into Self Help Groups with family income up to ₹3,00,000.
Required Documents Checklist
Verify readiness before applying for NHFDC Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 at 5%). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
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 Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 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
Form or join a Self-Help Group (SHG) comprising persons with disabilities.
- 2
Apply through State Channelizing Agency or partnering NGO / MFI.
- 3
SCA releases bulk micro-credit to SHG bank account.
- 4
Group disburses ₹60,000 to individual members for small business, candle making, craft, or petty retail.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Disability below 40%, non-participating SHG, or irregular group meetings.
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 loan limit per member?
Up to ₹60,000 per member, with group limits up to ₹10 Lakh for a 15 to 20 member SHG.
Source: Official Scheme FAQ ↗Is collateral required?
No physical collateral is needed; the loan is backed by SHG peer guarantee.
Source: Official Scheme FAQ ↗Can I track my NHFDC Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 at 5%) application status?
Application status for NHFDC Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 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 Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 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 Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 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 below 40%, non-participating SHG, or irregular group meetings.
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 Micro-Credit Scheme through Disabled Self-Help Groups (Up to ₹60,000 at 5%) guidelines, benefits, and portal integration. | Official Source ↗ |
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Application Window & Deadlines
Continuous 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 Micro-Credit Scheme through Disabled Self-Help Gr...
Official Source ↗Schemes You Can Stack With This
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Official Helpline & Nodal Offices
NHFDC Head Office
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.