Mahila Adhikarita Yojana (MAY)

The National Safai Karamcharis Finance and Development Corporation (NSKFDC) is an Enterprise which is under the

Ministry of Social Justice & Empowerment. The main objective of NSKFDC is to promote socio-economic upliftment of Safai Karamcharis/Scavengers (A person engaged in any kind of sanitation work and includes his/her dependents) and their dependents by providing financial assistance at concessional rates of interests. The Mahila Adhikarita Yojana (MAY) loan is provided to the Safai Karamchari Scavenger women and their dependent daughters through the Regional Rural Banks (RRBs), State Channelizing Agencies (SCAs), and Nationalized Banks. This article explains about The Mahila Adhikarita Yojana (MAY) in detail. The Mahila Adhikarita Yojana (MAY) loan is provided mainly through the State Channelizing Agencies, Regional Rural Banks and Nationalized Banks to the Safai Karamcharis/Scavengers. Loan under this MAY loan scheme is provided to Safai Karamchari and Scavenger women and their dependent daughters for projects/schemes with a maximum cost up to Rs.1 lakh for small and petty trade/business and sundry income-generating activities.

Interest Rate

Maximum Limit	Interest Chargeable from
SCA	Beneficiary
Up to Rs.1 lakh per beneficiary/unit	2% p.a.	5% p.a.

The Loan component from the

National Safai Karamcharis Finance & Development Corporation (NSKFDC) is provided up to a maximum of 90% of the total unit cost. The remaining 10% is expected to be provided by the State Channelizing Agencies (SCAs) in the form of loans, subsidies or from any other available sources of funds.

Repayment Period

The repayment period of 5 years after the implementation period of 4 months and a moratorium period of 6 months.

Eligible Sectors for Funding

The NSKFDC can assist in income generating activities as mentioned in the below list. Investing in Infra-structure development is also considered for financing. The activities/projects are not only limited to the below list.

Agricultural Sector: Poultry, Goatery, Milch Animals. Fertilizer Shop etc. Service Sector: Fabrication Work, Shuttering, Computer, Carpentry Business, , Mobile Repair, Battery winding & repairing, Two/Four wheeler repairing, Barber Shop, Auto-rickshaw (Petrol), Automobile Repair Shop, Photocopier Booth, General Provision Store, and Music Store Battery Electric Vehicle(Erickshaw), Compressed Air Vehicle, Solar energy gadgets, Poly houses, etc. Industrial Sector: Broom Stick, Artificial Jewellery, Paper, Jute & Cloth Bags & folders, Paper envelopes & File covers, Airbag/purse, Hawai Chappal, and Surgical Bandages making etc.

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Frequently Asked Questions

Common questions about Mahila Adhikarita Yojana Loan for Safai Karamcharis.

The Mahila Adhikarita Yojana (MAY) is a loan scheme provided by the National Safai Karamcharis Finance and Development Corporation (NSKFDC) to Safai Karamchari (scavenger) women and their dependent daughters for setting up small businesses or income-generating activities.

Safai Karamchari (scavenger) women and their dependent daughters are eligible for the MAY loan. The loan is provided for projects or schemes with a maximum cost of up to Rs. 1 lakh for small and petty trade, business, and sundry income-generating activities.

The maximum loan amount under the MAY scheme is Rs. 1 lakh per beneficiary or unit. The NSKFDC provides up to 90% of the total unit cost, and the remaining 10% is expected to be provided by the State Channelizing Agencies (SCAs).

The interest rate charged by the NSKFDC for the MAY loan is 2% per annum. However, the beneficiary has to pay an interest rate of 5% per annum to the State Channelizing Agencies (SCAs).

The repayment period for the MAY loan is 5 years after an implementation period of 4 months and a moratorium period of 6 months.

The MAY loan is provided mainly through State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs), and Nationalized Banks.

The eligible sectors for funding under the MAY scheme include agricultural sector (poultry, goatery, milch animals, fertilizer shop), service sector (fabrication work, shuttering, computer, carpentry business, mobile repair, battery winding & repairing, two/four wheeler repairing, barber shop, auto-rickshaw, automobile repair shop, photocopier booth, general provision store, music store, battery electric vehicle, compressed air vehicle, solar energy gadgets, poly houses), and industrial sector (broom stick, artificial jewelry, paper, jute & cloth bags & folders, paper envelopes & file covers, airbag/purse, Hawai Chappal, and surgical bandages making).

Yes, investing in infrastructure development is also considered for financing under the MAY scheme.

No, the list of activities or projects mentioned in the article is not exhaustive. The NSKFDC can assist in income-generating activities beyond the listed sectors as well.

The article does not explicitly mention any subsidy or grant component. However, it states that the remaining 10% of the total unit cost, which is not provided by the NSKFDC, is expected to be provided by the State Channelizing Agencies (SCAs) in the form of loans, subsidies, or from any other available sources of funds.