Dilli Swarojgar Yojana

What is Dilli Swarojgar Yojana?

Dilli Swarojgar Yojana, written on the corporation's own documents as "Dilli Swarojgar Yojna" and in Hindi as Dilli Swarojgar Yojana, is a self-employment loan scheme run by the Delhi SC/ST/OBC/Minorities & Handicapped Finance & Development Corporation (DSFDC), a fully owned undertaking of the Government of NCT of Delhi.

According to the DSFDC scheme document, under Dilli Swarojgar Yojana the corporation provides a need-based loan of up to Rs 5,00,000 at 6 percent per annum for income-generating activities. It is the corporation's larger of two general-purpose self-employment products; the other, the Composite Loan Scheme, tops out at Rs 3,00,000 for SC applicants and Rs 1,00,000 for OBC, minority and disabled applicants.

DSFDC itself was incorporated on 29 January 1983 under the Companies Act, 1956, with an authorised share capital of Rs 100 crore. It works as the State Channelising Agency in Delhi for the national apex corporations; NSFDC, NSTFDC, NSKFDC, NMDFC, NBCFDC and NHFDC, which is where much of its lending money comes from. Its head office is at Ambedkar Bhawan, Rohini, and it operates through three zonal or branch offices covering Delhi's 11 revenue districts.

Who is eligible for Dilli Swarojgar Yojana, and who is not?

Target groups. DSFDC lists four target groups for this scheme: Scheduled Castes, Scheduled Tribes, Other Backward Classes and Minorities.

You can apply if:

• You have been a resident of Delhi for the last five years.
• Your age is between 18 and 50 years.
• Your annual family income from all sources does not exceed Rs 2,00,000.
• You have a proper work place for starting the proposed activity, owned by you, by a relative, or rented.
• You have passed at least the class VIII exam.
• You hold the technical qualification for the proposed activity. This requirement does not apply to traditional artisans, or to entrepreneurs already engaged in the activity for which the loan is sought for at least the past three years.

You cannot apply, or are not eligible, if:

• You do not belong to SC, ST, OBC or a notified minority community. Dilli Swarojgar Yojana is a target-group scheme; general-category applicants are not covered, and should look at the Delhi Khadi & Village Industries Board's Rajiv Gandhi Swavlamban Rozgar Yojana instead.
• Your annual family income is above Rs 2 lakh.
• You are under 18 or over 50.
• You have been declared a defaulter under any scheme implemented by DSFDC.
• You have already taken a loan from another financial institution or government organisation, an affidavit to the contrary is a compulsory document.
• You have no work place for the activity. A proposal without an address does not clear scrutiny.
• You have not passed class VIII.

What activities can the loan be used for?

DSFDC's scheme document lists 26 permissible income-generating activities:

1. Vegetable, fruit or flowers' shop
2. Bakery or confectionery items
3. Kiryana or general store
4. Dairy products
5. Stationery, books, gifts or book binding
6. Photostat, fax, STD or PCO
7. Cyber cafe or cell phone booth
8. LPG booking office or showroom without LPG cylinders
9. Atta chakki
10. Meat, poultry and fish shop
11. Pan shop
12. Barber shop, hairdressing saloon or beauty parlour
13. Laundry, dry cleaner or ironing
14. Sweet shop or tea stall without sitting arrangements
15. Chemist shop
16. Tailoring shop
17. Optical shop
18. Electrical or electronic repair shop
19. Photo studio
20. Cable TV or DTH operations
21. Hosiery, readymade garments or cloth shop
22. ATM
23. Ration shop under the Public Distribution System of NCT of Delhi, or cycle repair shop
24. Any non-polluting permissible manufacturing activity in industrial, commercial or mixed land-use residential areas as defined under the Master Plan
25. Purchase of three-wheelers or taxis
26. Any other activity found suitable and approved by the Principal Secretary (SC/ST/OBC/Minority)

What documents are required?

With the application, before sanction:

• Duly filled Dilli Swarojgar Yojana loan application form (cost Rs 100).
• Copy of Aadhaar card as proof of identity and residence.
• Caste certificate issued by the Government of Delhi; for a minority applicant, an affidavit declaring membership of a notified minority community.
• Age proof: birth certificate, school-leaving certificate or affidavit.
• Education qualification proof.
• Technical qualification proof, or a valid LMV driving licence and badge in the case of a loan for a commercial vehicle.
• Income certificate issued by the SDM concerned, or an income affidavit in the prescribed format.
• Five passport-size photographs of the applicant.
• Affidavit regarding non-availing of a loan from any financial institution or government organisation.
• Ownership proof of the work place — electricity bill, water bill or MTNL landline bill, plus ID proof of the owner of the work place.
• Rent agreement, or a notarised No Objection Certificate on a Rs 10 non-judicial stamp paper if the work place is owned by a close relative.
• Detailed project report indicating profitability over the next five years.
• Guarantor undertaking, or a copy of an immovable property document with complete chain, or collateral security in the shape of FDR, NSC or KVP.
• Demand draft of Rs 500 towards the processing fee in favour of DSFDC.
• Copy of insurance under Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.

After sanction:

• ECS mandate in the prescribed format, along with 5 blank CTS post-dated cheques in favour of DSFDC and one blank cancelled cheque for RTGS payment.
• Five blank post-dated cheques of the guarantor, if the loan amount is above Rs 2,00,000.
• Guarantee of one regular government, PSU, autonomous body or local body employee posted in Delhi or the NCR with at least six years of service remaining, to meet the EMI on default. In place of a guarantor, original documents of immovable property with a complete chain, or FDR, NSC or KVP with a minimum face value of 75 percent of the loan amount plus a lien letter from the appropriate authority.
• Original pay slip, identity card copy, Aadhaar, date-of-birth proof, affidavit and five photographs of the guarantor.
• Affidavit of personal guarantee, and affidavit of the legal heir of the applicant with the heir's ID proof and one photograph.
• Two eye-witnesses with their residence proof, that is Aadhaar cards.
• Acceptance of the loan agreement or sanction letter.
• Group photograph of the applicant, guarantor, branch in-charge, dealing assistant and the two witnesses.

How to apply for Dilli Swarojgar Yojana

1. Confirm you are inside all four gates; target group, five years' residence in Delhi, age 18 to 50, and family income up to Rs 2 lakh. Get the Delhi caste certificate and the SDM income certificate moving first, because these take the longest.
2. Buy the application form. Collect the Dilli Swarojgar Yojana form from the DSFDC head office at Ambedkar Bhawan, Rohini, or from the Rajpur Road, Mangolpuri or Nand Nagri branch office. The form costs Rs 100. It can also be downloaded from the corporation's website.
3. Lock down the work place. Arrange the ownership proof, or the rent agreement, or the notarised NOC from the relative who owns the premises, along with the owner's ID proof. This is where most files stall.
4. Write the project report. DSFDC asks for a detailed project report showing profitability over the next five years, matched to one of the 26 listed activities.
5. Arrange the guarantor or the collateral. A serving government or PSU employee in Delhi or the NCR with six or more years of service left, or property documents, or FDR, NSC or KVP worth at least 75 percent of the loan.
6. Buy a demand draft of Rs 500 in favour of DSFDC towards the processing fee, and take the PMSBY and PMJJBY insurance copies.
7. Submit the complete file at your zone's branch office and collect the acknowledgement. Central Zone at 2-Battery Lane, Rajpur Road covers Central, North, New Delhi, South and South-East districts; the Mangolpuri branch at Ambedkar Bhawan, Rohini covers West, North-West and South-West; the Nand Nagri branch covers East, North-East and Shahdara.
8. Complete the post-sanction formalities. Sign the loan agreement, submit the ECS mandate and the post-dated cheques, bring the guarantor and the two witnesses in person, and sit for the group photograph the corporation requires on file.

How do you check the status of a Dilli Swarojgar Yojana application?

Dilli Swarojgar Yojana is processed manually at branch level, so status is checked in person or by phone, not on a dashboard.

• Your branch office holds the file. Quote the acknowledgement number and date. Central Zone: 011-23979068 and 011-23925477. Mangolpuri: 011-23925477 and 011-27574321. Nand Nagri: 011-22137953 and 011-22130159.
• DSFDC head office, Ambedkar Bhawan, Rohini: 011-27574377 and 011-27574321, email dsfdcdelhi@gmail.com.
• Entrepreneur Guidance Cell. DSFDC's citizen's charter says each branch runs an Entrepreneur Guidance Cell from 10.00 a.m. to 3.00 p.m. to explain scheme information. Use it before you file, not only after.

Why applications get rejected, and how to fix them

• Income above Rs 2 lakh. The ceiling is annual family income from all sources, not just the applicant's earnings. An SDM income certificate that counts a working spouse or son can push a household over the line.
• Caste or minority proof not in the required form. DSFDC wants a caste certificate issued by the Government of Delhi; a certificate from another state will not do. Minority applicants need the affidavit in the prescribed format.
• Guarantor short of six years' service. A guarantor close to retirement is rejected because the corporation needs the service span to recover EMIs on default. Choose a younger officer or switch to collateral security.
• Work-place papers incomplete. Ownership proof and the owner's ID proof are separate items; a rented site needs the rent agreement, and a relative's premises need a notarised NOC on Rs 10 stamp paper.
• Missing the class VIII certificate, or a technical qualification for the trade. If you are a traditional artisan or have run the activity for three years, document that instead. It is an express exemption.
• Prior loan or default. A live loan from a bank or government organisation, or a default recorded under any DSFDC scheme, disqualifies the file outright.
• Wrong processing fee. Rs 500 for Dilli Swarojgar Yojana. Rs 350 is the Composite Loan Scheme fee, and a draft for the wrong amount is returned.

What are the key dates and the current position?

Dilli Swarojgar Yojana has no advertised application window. DSFDC accepts applications through the year at its head office and three branch offices, and processes them as they are received.

The financial terms to plan around are the 6 percent annual interest rate, the Rs 5,00,000 ceiling, and repayment schedules built on 60 monthly instalments, DSFDC's standard terms and conditions require "60 plus 05 post dated cheques" from a nationalised bank for schemes other than the Composite Loan Scheme, which uses 45 plus 5. Your sanction letter is the authority for your own schedule.

Read the interest rate as the corporation's published rate for this scheme and confirm it at the branch on the day of sanction, because DSFDC's lending rates are tied to the terms on which the national apex corporations refinance it.

How do you raise a grievance?

Take the complaint first to the branch office that holds your file, in writing, with your acknowledgement receipt. If nothing moves, write to the Managing Director, DSFDC, Ambedkar Bhawan, Institutional Area, Sector-16, Rohini, Delhi-110085, or email dsfdcdelhi@gmail.com, quoting the branch, the application number and the date of submission.

For issues the corporation does not resolve, the Government of NCT of Delhi's public grievance system and an RTI application to the Public Information Officer of DSFDC are the next steps; the corporation's website carries a dedicated RTI section and an RTI Manual-17 page.

Finally, remember the fee structure. The form costs Rs 100 and the processing fee is Rs 500 by demand draft in favour of DSFDC. DSFDC issues its other scheme forms free of cost. Nobody is authorised to charge you anything beyond these published amounts for a Dilli Swarojgar Yojana sanction.