1. Educational Loan Upto 90% of the unit cost with a maximum unit cost of Rs.10.00 lacs for study in India and Rs.20.00 lacs to study abroad at interest rate of 4%
2. 0.5% per annum rebate for women in case of study in India
3. Promoters’ contribution: 10% to be arranged by the student/CAs
4. Loans are extended through Channelizing Agencies (CAs) i.e. State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs) and Public Sector Banks (PSBs) to the target group.



Educational Loan:

1. Upto 90% of the unit cost with a maximum unit cost of Rs.10.00 lacs for study in India and Rs.20.00 lacs to study abroad at interest rate of 4%
2. 0.5% per annum rebate for women in case of study in India

Repayment period:

Moratorium period:

Coverage :

• Admission Fees & Tuition Fee.
• Books, Stationery and other instruments required for the course.
• Examination Fee.
• Boarding and lodging expenses.
• Insurance premium for policy


1. Safai Karamcharis (including Wastepickers), identified Manual Scavengers and their dependents.
2. Registered co-operative societies of the target group.
3. Legally constituted association/firm promoted by the target group, and
4. Persons, who produce a certificate from local Revenue Officer/local Municipal Officer/Cantonment Executive Officer/ Railway Officer, Head of the Govt. Departments (i.e. Schools, Colleges, Forest, Health, Education, Animal Husbandry) having rank not less than Gazetted Officer, Elected Members of the Municipal Body, Pradhan of Gram Panchayats, and Regional Managers of Regional Rural Banks (RRBs)/Public Sector Banks (PSBs). However, under the MS Act, 2013, a person identified as a Manual Scavenger in a survey, need not provide any certificate once his/her name appeared in the final list of Manual Scavengers prepared by State Governments/Union Territory Administration (https://nskfdc.nic.in/en/content/home/ms-survey-2018, https://nskfdc.nic.in/en/node/79798 ).
5. Mukhia/ Sarpanch/ President or any other authority equivalent to Pradhan of Gram Panchayat for the issue of Occupation Certificate to Safai Karamcharis/ dependants; and In case of Municipal Bodies without Gazetted Officers, the head of such Municipal Bodies, maybe the Competent Authority.

1. Aadhaar Card
2. Income certificate
3. Caste certificate
4. Bank account statement
5. Educational Certificates