The Govt. of Himachal Pradesh has open Himachal Pradesh Scheduled Castes and Scheduled Tribes Development corporation in every District Headquarter of Himachal Pradesh. In Distt. Kinnaur has also the Office of the Distt. Manager of Scheduled Castes and Scheduled Tribes Development Corporation Kinnaur at Reckong Peo. The Location of this office is Near I.T.I. ( Industrial Training Institute) and back side of HP Electricity Board Sub Division Reckong Peo.
Himachal Pradesh Scheduled Castes and Scheduled Tribes Development Corporation was established on 14th November, 1979 under the enactment of Himachal Pradesh Government. Initially this corporation was established solely to uplift economic status of the Scheduled Caste families and the initial name of this corporation was “HIMACHAL PRADESH SCHEDULED CASTES DEVELOPMENT CORPORATION”. In the year 1984 the Government of Himachal Pradesh and Government of India decided to entrust the work of providing financial assistance to Scheduled Tribe families of Himachal Pradesh to this corporation, as such the nomenclature of corporation was changed to “HIMACHAL PRADESH SCHEDULED CASTES AND SCHUDULED TRIBES DEVELOPMENT CORPORATION”.The Schemes of Scheduled Castes and Scheduled Tribes Development Corporation is given below:-
|Financing through Banks for setting up and expansion of Income generating avocations.|
|Maximum Loan Limit||Rs. 50,000/-|
|Capital Subsidy||50% of the Project Cost (Maximum Rs.10,000/-)|
|Rate of Interest after Interest Subsidy||4% (interest subsidy is only available in case of regular repayment)|
|Schemes Name||Dairy Farm, Beauty Parlour, Readymade Garments, Cutting and Tailoring, Weaving, Stationary Shop and Goat Unit etc.|
|Eligibility Criteria||(1) Member of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh.
(2) Annual Income Limit:- Rural Areas : Rs.30,000/- Urban Areas : Rs.30,000/-
(3)Age : 18 to 55 years.
(4) Applicant should not be defaulter of any financial institution/bank.
|a. Agriculture and Allied Sector : Dairy Farming, Tractor Trolley etc.
b. Services Sector (Including Transport) : Shuttering, Tent House, Dhaba/Restaurant, Mini Truck, Mini Bus and other Light Motor Vehicles etc.
c. Industrial Sector : Steel Fabrication, Furniture Manufacturing etc
|Scheme (Indicative)||(a)Agriculture and Allied Sector : Dairy Farming, Tractor Trolley etc.
(b) Services Sector (Including Transport) : Shuttering, Tent House, Dhaba/Restaurant, Mini Truck, Mini Bus and other Light Motor Vehicles etc.
(c) Industrial Sector : Steel Fabrication, Furniture Manufacturing etc.
|Rate of Interest||(i)Loans Up To Rs.5.00 Lacs RoI [at]6% pa (ii) Loans Above Rs.5.00 Lacs RoI [at]8% pa|
|Repayment Period||5 Years (60 installment )|
|Means of Finance||(a) Promoter’s Contributions Maximum Up To 5% of the Total Project Cost.
(b) HPSCSTDC’s Margin Money Loan 10%.
(c)Term Loan (NSFDC/NSTFDC) 85%.
|Eligibility Criteria||(1) Members of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh.
(2) Annual Income Limit : Rs.98,000/-
(3) Age Limit : 18 to 55 years (In case of Transport loan 20 to 53 years having valid license for the vehicle concerned).
(4)Who is not defaulter of any financial institution/bank.
|Under this scheme, the corporation provides education loan to SC/ST students who are studying in professional/technical courses in recognised institutions.|
|Maximum Loan Limit (Indicative)||Rs.1,50,000/- for a full course of five years. ( Rs. 30,000/- per year )etc.|
|Rate of Interest||Interest Free upto Rs 75,000/-(Maximum Rs. 15.000/- per year)|
|Repayment Period||5 years. Repayments Starts after starting job/business two years or after completion of course which ever is earlier.|
|Source of Finance||Direct by HPSC&STDC.|
|Courses of Study||i. Degree/Diploma Courses in Engineering.
ii. B.Ed./ J.B.T.
iii. Medical Courses like M.B.B.S./B.A.M.S./Nursing etc.
iv. L.L.B., M.B.A., M.C.A. and Ph.D. etc.
|Eligibility Criteria||1. Members of Scheduled Caste or Scheduled Tribe family who is bonafide Resident of Himachal Pradesh.
2. Annual Family Income Maximum Rs. 98,000/-p.a.
3. Applicant should be a regular student of recognized Institution/University.
4. Applicant should not be a defaulter of any Financial Institution/Bank.
|Maximum Loan Limit (Indicative)||Rs. 7.50 Lac for a full course of 5 Years|
|Rate of Interest||8 % P.A.|
|Repayment Period||5 years Repayment starts after 6 months of completion of course or getting job/employment, whichever is earlier.|
|Source of Finance||Collaboration with NSFDC|
|Courses of Study||i. Full Time Professional/ Technical Courses in fields of ; Engineering, Medical, Dental, Management, Information & Technology, Hotel Management, Artitecture, Phisiotherapy, Bio Technology, Law and Journalism etc.
ii. Professional Courses like : Law, Journalism, C.A/ ICWA/CS/AMIE/FIA/IETE etc.
|Eligibility Criteria||1. Members of Scheduled Castes family who is bonafide resident of Himachal Pradesh.
2. Annual family income limit : Rs. 98,000/-p.a.
3. Applicant should be a regular student of Govern ment recognized Institution/ University.
4. Who is not defaulter of any financial institution/Bank.
|Under this scheme, the corporation endeavors to provide vocational training to the SC/ST youth in traditional and non-traditional trades through I.T.I./Private Institution/Master Craftsman.|
|Duration of Training||Maximum Up To 12 Months.|
|Stipend to Trainees||1.Rs.500/- per month per trainee if the training is imparted in the home district./td>|
|Approved List Of Trades||Handloom Khadi, Motor Driving, Cutting and Tailoring etc|
|Eligibility Criteria||1. Members of Scheduled Caste Family who is bonafide Resident of Himachal Pradesh.
2. Annual family income limit Rs .30,000/- p.a .
3. Age Limit : 18 to 35 years.
|Under this Scheme, the Corporation provides loans to the Municipal corporations, Municipal Committees/ Nagar Panchayats/Block Samitis and Gram Panchayats for Construction of shops/sheds. Rate Of Interest is [at]4%. Such shops/sheds constructed with the help of financial Assistance of the Corporation are rented out only to Scheduled Castes & Scheduled Tribes families at concessional rate of rent.|
|Maximum Loan Limit||Rs.50,000/- per shop.|
|Rate of Interest||4%|
|Repayment Period||10 Years.|
|Means of Finance||Directly by HPSCST Development Corporation.|
|Eligibility Criteria||The Municipal Corporations, Municipal Committees/ Nagar Panchayats/ Gram Panchayats.|
Under this scheme, the corporation provides working capital assistance to artisans. The artisans can form a Group/Society/Association for availing working capital from the corporation. An individual artisan is also eligible for this scheme.
Quantum of loan Rs.5,000/- per artisan.
|Rate of Interest||Free of interest for 2 years. However, the society/ Association/ Group may charge interest [at]2% from an artisan to meet out their administrative expenditure.|
|Repayment Period||2 Years.|
|Means of Finance||Directly by HPSCST Development Corporation.|
|Eligibility Criteria||1. Member of Scheduled Caste or Scheduled Tribe Family who is bonafide Resident of Himachal Pradesh.
2. All the applicants/artisans should be below poverty line.
3. Applicant should not be defaulter of any financial institution/Bank.