NHFDC Loan 2026: कम ब्याज (4%–5%) पर ₹50 लाख तक दिव्यांग बिजनेस और एजुकेशन लोन कैसे लें? (Divyangjan Swavalamban Guide)
Table of ContentsShow ▾Hide ▴
Starting a self-employment venture, opening a shop, buying a commercial vehicle, or pursuing higher education often requires capital that commercial banks charge 11% to 16% interest for. To empower Persons with Disabilities (Divyangjan) financially, the National Divyangjan Finance and Development Corporation (NDFDC / NHFDC) under the Ministry of Social Justice & Empowerment offers concessional loans up to ₹50,00,000 (₹50 Lakh) at interest rates starting from just 4% to 6% per annum!
1. What is NHFDC Divyangjan Loan Scheme?
NDFDC (formerly NHFDC) operates two flagship credit schemes across India through State Channelizing Agencies (SCAs), Public Sector Banks, and Regional Rural Banks:
- Divyangjan Swavalamban Yojana (Self-Employment / Business Loan): Up to ₹50 Lakh for starting or expanding a small business, service unit, retail shop, agriculture venture, or purchasing commercial/adapted vehicles.
- Divyangjan Shiksha Rin Yojana (Education Loan): Up to ₹50 Lakh for professional, technical, or higher education in India or abroad at just 4% interest!
2. Loan Amount, Interest Rates & Special Rebate Table (2026)
| Loan Slab / Category | Max Loan Limit | Base Interest Rate | Special Rebate | Max Repayment Period |
|---|---|---|---|---|
| Micro Business / Shop Loan | Up to ₹50,000 | 5% p.a. | 1% rebate for Women PwD (Effective 4%) | Up to 10 Years |
| Small Business / Service Unit | ₹50,001 to ₹5,00,000 | 6% p.a. | 1% for Women + 0.5% for VH/HH/ID | Up to 10 Years |
| Medium Enterprise / Vehicle | ₹5,00,001 to ₹50,00,000 | 6% – 8% p.a. | 1% for Women + 0.5% for VH/HH/ID | Up to 10 Years |
| Divyangjan Education Loan | Up to ₹50,00,000 | 4% p.a. | 3.5% effective rate for Women PwD | 10 Years after course |
3. What Businesses & Ventures Can You Start with NHFDC Loan?
- Retail & Digital Services: CSC Center / Jan Seva Kendra, Mobile & Computer Repair Shop, Medical Store, Grocery / Kirana Store, Photocopy & Cyber Cafe.
- Manufacturing & Crafts: Tailoring / Boutique unit, Food Processing, Dairy Farming, Bakery, Handicrafts, Printing Press.
- Commercial & Adapted Vehicles: E-Rickshaw, Auto-Rickshaw, Taxi, Goods Carrier, or Adapted Scooter/Car used for self-employment.
- Assistive & Professional Clinics: Physiotherapy clinic, Speech therapy center, Accounting or Legal consultancy.
4. Eligibility Criteria for Applicants
- Citizenship: Must be an Indian citizen.
- Disability Benchmark: Minimum 40% or more disability certified under the RPwD Act 2016 (valid UDID Card / Disability Certificate).
- Age Limit: Between 18 and 60 years for business loans (for persons with Intellectual Disability, Autism, or Cerebral Palsy, parents/legal guardians can apply on their behalf).
- Income Limit: There is no upper income ceiling under the revised Divyangjan Swavalamban guidelines, though priority is given to economically weaker beneficiaries.
5. Documents Required for NHFDC Loan
- UDID Card & Disability Certificate (40% or above).
- Aadhaar Card & PAN Card.
- Address Proof (Voter ID, Ration Card, or Electricity Bill).
- Quotation / Project Report of the shop, machinery, or vehicle you want to purchase.
- Bank Passbook Copy (Aadhaar-seeded account).
- 2 Passport-size Photographs.
6. NHFDC लोन के लिए आवेदन कैसे करें? (Online & Bank Process)
- Step 1 — Visit Official NDFDC Portal: Open nhfdc.nic.in or the national PM-DAKSH / JanSamarth portal.
- Step 2 — Locate Your Partner Bank or SCA: Check the list of partner Public Sector Banks (such as Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank, State Gramin Banks) or your State Channelizing Agency (SCA) office in your district.
- Step 3 — Submit Application with Project Quotation: Fill out the Divyangjan Swavalamban Yojana loan form along with your UDID card and quotation of the business/equipment.
- Step 4 — Verification & Sanction: For loans up to ₹10 Lakh, micro-enterprises are eligible for collateral-free coverage under CGTMSE rules. Once verified, the loan amount is disbursed directly into your bank/vendor account.
7. Frequently Asked Questions (FAQs)
Q1. क्या दिव्यांग महिलाओं को ब्याज दर में अतिरिक्त छूट मिलती है?
उत्तर: हाँ! दिव्यांग महिलाओं (Women with Disabilities) को ब्याज दर में 1% की अतिरिक्त छूट (Rebate) दी जाती है। साथ ही दृष्टिबाधित (VH), श्रवण बाधित (HH) और बौद्धिक दिव्यांगजन (ID) को 0.5% की अतिरिक्त छूट मिलती है।
Q2. क्या ई-रिक्शा या दुकान खोलने के लिए यह लोन मिल सकता है?
उत्तर: बिल्कुल, ई-रिक्शा, किराना दुकान, जन सेवा केंद्र (CSC), सिलाई सेंटर, डेयरी या किसी भी स्वरोजगार के लिए ₹50 हजार से ₹50 लाख तक का लोन लिया जा सकता है।
