MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT (SHRI D. NAPOLEON)
(a) Yes, Sir.
(b) The scheme-wise maximum repayment period is as follows:
(i) Self Employment Scheme â 10 years (ii) Micro Credit Scheme â 3 years &
(iii) Education Loan Scheme â 7 years. The repayment under education loan
scheme commences one year after completion of course or six months after
securing a job, whichever is earlier.
(c) & (d): NHFDC has delegated sanctioning authority for loan proposals
costing upto Rs.5.00 lakh to its State Channelizing Agencies (SCAs). Only
the loan proposals with project cost above Rs.5.00 lakh are forwarded by
SCAs to NHFDC. In case of Regional Rural Banks, those entered in collaborative
tie up with NHFDC for implementation of its schemes and Apex Co-operative
Banks, State Financial Institutions acting as SCAs, the sanctioning
authority is upto Rs.25 lakh.
A Statement indicating State-wise details of applications received,
approved and amount disbursed during the last three years, including details
in respect of the States of Maharashtra and Rajasthan is at Annexure-I
A Statement indicating state-wise details of loan disbursed under self
employment/higher education by NHFDC in last three financial years is at
Annexure-II
(e) & (f): For greater emphasis in the XII Plan, the Working Group on
empowerment of persons with disabilities constituted by the Planning Commission
has, inter-alia, made recommendations for grant of back end subsidy for loans
given by NHFDC, grant for skill development, grant for interest free education
loan & reimbursement of one time guarantee fee and annual service charges in
implementing credit guarantee scheme while extending loans to persons with
disabilities under NHFDC scheme.