Swarojgar Yojna- Himachal Pradesh
About this scheme
The Swarojgar Yojana, implemented by the Department of Social Justice and Empowerment, Himachal Pradesh through the HP Scheduled Castes/Scheduled Tribes Development Corporation, provides loans to eligible beneficiaries in both rural and urban areas. Under the scheme, the maximum loan limit is ₹50,000, with a capital subsidy of 50% of the project cost up to ₹10,000, and an effective interest rate of 4% after interest subsidy, subject to regular repayment.
Benefits
Benefits of the Scheme:
- Maximum loan amount of up to ₹50,000/-.
- Capital subsidy of 50% of the project cost, up to ₹10,000/-.
- Reduced interest rate of 4% after subsidy, subject to regular repayment.
Who is Eligible
- The applicant should be a bonafide resident of Himachal Pradesh.
- The applicant should be a member of a Scheduled Caste or Scheduled Tribe family.
- The applicant should have an annual income of up to ₹35,000 in both rural and urban areas.
- The applicant should be between 18 and 55 years of age.
- The applicant should not be a defaulter of any bank or financial institution.
How to Apply
Offline
Step 1: Obtain and fill the prescribed application form and attach all required documents.
Step 2: Submit the completed application to the concerned District Manager or Corporation office for verification.
Step 3: After approval, the application is forwarded to the HP SC/ST Development Corporation for further processing.
Documents Required
- Income certificate
- Caste certificate
- Himachali certificate (issued by the Executive Magistrate)
- Jamabandi and Tatima of land with Gram Sabha resolution
- Identity proof (such as Aadhaar Card, Voter ID, or Ration Card)
Who Is Not Eligible
Frequently Asked Questions
- What is the objective of the Swarojgar Yojana?
To improve the economic condition of Scheduled Caste and Scheduled Tribe families living below the poverty line by providing loans and support for self-employment projects.
- Who is eligible to apply for this scheme?
Families belonging to Scheduled Castes or Scheduled Tribes, aged 18 to 55 years, living below the poverty line.
- What types of projects are covered under this scheme?
Projects such as dairy farming, agricultural equipment, minor irrigation, readymade garments, shoe making, and other self-employment activities.
- What is the maximum loan amount available?
Loans up to ₹50,000 are provided for eligible projects.
- What is the interest rate for the loans?
Loans are provided at an interest rate of 4%.
- Is there any capital subsidy available?
Yes, a capital grant of 50% of the total project cost or a maximum of ₹10,000 per family is provided.
- Can urban and rural families both apply?
Yes, both urban and rural families with income below ₹35,000 per year are eligible.
- Can the loan be used for any other purpose?
No, the loan must be used only for the approved self-employment projects under the scheme.
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