SRMS Loan: Self Employment Schemes for Rehabilitation of Manual Scavengers | Government Scheme.

The Self-Employment Schemes for Rehabilitation of Manual Scavengers (SRMS) was introduced in January 2017 by the Ministry of Social Justice and Empowerment, to assist the identifying manual scavengers and their dependants in rehabilitation in alternative occupations.

SRMS was revised in November 2013 in consonance with the provision of the “Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013 (MS Act, 2013)”. The objective of the Self-Employment Schemes for Rehabilitation of Manual Scavengers (SRMS) is to rehabilitate manual scavengers and their dependents in alternative occupations.

Manual Scavenger and Manual Scavenging

“Manual scavenger” means a person engaged or employed, at the commencement of this Act or at any time thereafter, by an individual or a local authority or an agency or a contractor, for manually cleaning, carrying, disposing of, or otherwise handling in any manner, human excreta in an insanitary latrine or in an open drain or pit into which the human excreta from the insanitary latrines is disposed of, or on railway track or in such other spaces or premises, as the Central Government or a State Government may notify, before theexcreta fully decomposes and the expression “manual scavenging” shall be constructed accordingly.

Benefits of SRMS

• Onetime cash assistance of Rs. 40,000/- to one identified manual scavenger per family.
• Skill Development Training for up to two years with a stipend of Rs.3000/- per month to the manual scavenger/dependent who opts for such training.
• The identified manual scavengers and their dependents are provided project-based upfront capital subsidy up to Rs.5,00,000 and concessional loans for undertaking self-employment ventures.
• Sanitation worker and their dependents are assisted in the procurement of sanitation-related projects on the same scale as admissible to manual scavengers for general tasks.
• The group of the target beneficiaries is eligible for projects costing up to Rs. 50,00,000.
• Manual scavengers and their family members are also eligible for Health insurance coverage of Rs.5,00,000 under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY).
• Upskilling/RPL training is provided to sanitation workers.
• Workshops are organized with the officers, supervisors, and sanitation workers on “Hazardous Cleaning of Sewers and Septic Tanks”.
• Credit linked upfront capital subsidy for self-employment projects-

For Individuals:

Unit	Specification
Range of Project Cost	Upto Rs. 5,00,00.
Rate of Subsidy	50% of project cost.
Range of Project Cost	Rs. 5 Lakh to Rs. 15 Lakh
Rate of Subsidy	Rs. 2.5 lakh +  25% of the remaining project cost.

For Group Projects:

Unit	Specification
Range of Project Cost.	Upto Rs. 10,00,000/- per beneficiary maximum project cost up to Rs. 50,00,000
Rate of Subsidy.	The same is admissible to individuals subject to a maximum of Rs. 3.75 Lakh per beneficiary.

• Where the rate of interest chargeable by the banks on loans will be higher than the rates prescribed in the schemes, interest subsidy to the extent of the difference will be given to the banks.
• The rate of interest chargeable from the beneficiaries will be as follows-

Unit	Specification
Range of Projects	Up to Rs, 1,00,000/-.
Rate on Subsidy	5% per annum (4% per annum for women beneficiaries).
Range of Projects	For projects above Rs. 1,00,000.
Rate of Subsidy	6% per annum.

• The maximum repayment period, Including a moratorium period of up to 6 months, is 5 years for projects up to Rs.5.00 Lakhs and up to seven years for projects up to Rs. 15.00 Lakhs.

Note: The period of repayment of the loan, including the moratorium of the loan, including the moratorium period will be five years for projects up to Rs.5,00,000/- with a moratorium period to start the repayment of the loan will be up to 6 months.

Eligibility for SRMS

1. Manual Scavengers were identified during the survey conducted by the State Government & allotted MS-ID/Receipt No. And their dependents.
2. Sanitation Workers and their dependents are eligible only for assistance for sanitation-related self-employment projects. Sanitation worker has to produce an occupation certificate from a designated authority.

Also Read This: PMMY Loan: Get Funding For Both New & Existing Enterprises, Apply Online.

Application Process

Offline:

Application for One-Time Cash Assistance (OTCA):

Identification of manual scavengers is done by the concerned State Governments through surveys by the Urban Local Bodies/Gram Panchayats.

Online:

1. Visit the Official Website: Official Website. Fill in the mandatory fields and click “Submit”. The loan applications are submitted by the beneficiaries to the District Offices of state Channelizing Agencies (SCAs) of NSFDC/Branches of Regional Rural banks (RRBs)/ Nationalised banks.
2. The District Offices of SCAs/Branches of RRBs/Nationalised Banks send these applications after scrutiny to their Head Offices.
3. The viability of the project proposals is appraised by the SCAs/RRBs/Nationalised Banks and the viable projects are sent to NSKFDC along with their recommendations.
4. The said project proposals are also appraised by the Project Appraisal Committee of NSFDC and the proposals which are found to be in order, are placed before the Board of Directors for consideration and sanction.
5. After sanctioning by the Board of Directors of NSKFDC, the sanction letters, also called Letters of intent, are issued to the SCAs/RRBs/Nationalised Bank for onward disbursement to the beneficiaries.

The release of the funds is being made by NSFDC on receipt of demand from the SCAs/RRBs/Nationalised banks after considering all the parameters of release as per the Lending Policies & Guidelines (LPG) of NSFDC.

Application for Skill Development

1. The Ministry of Social Justice & Empowerment, Govt. of India is implementing the Pradhan Mantri Dakshata Aur Kushalta Sampann Hitgarhi (PM-DAKSH) Scheme across the country from the financial year 2020-21 through its Apex Corporations.
2. Under the PM-DAKSH Yojana, Sill Development Training is provided to the candidates belonging to SCs, OBCs, and Sanitation workers including waste pickers for improving all-around competency & adeptness.

Required Documents

1. Aadhar Card.
2. Proof of Identity.
3. Proof of Address.
4. Proof of Age.
5. Occupation Certificate from a designated authority.
6. Passport Size Photograph,
7. Bank Details.

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FAQs

References 

https://www.jansamarth.in/self-employment-scheme-for-rehabilitation-of-manual-scavengers-scheme_pl

https://nskfdc.nic.in/en/node/add/srms-projects-loan-form

https://nskfdc.nic.in/en/content/home/srms-brief