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Schemes for Parents' Association of mentally retarded persons PDF Print E-mail
Tuesday, 06 September 2011 10:25

Purpose

Purpose of the scheme is to provide loan to parents associations of mentally retarded persons to set up an income generating activity for the benefit of the mentally retarded persons. The nature of income generating activity will be such that it involves the mentally retarded persons directly and income will be distributed among the mentally retarded persons. The income generating activity will be managed by the parents association, which is expected to render its services voluntarily.

Eligibility

a) The parents association should be registered for at least 3 years.
b) It should have a minimum membership of 10 parents.
c) It should not be a financial defaulter of central government, state government, any financial institution in the public sector, banks etc.

Quantum of Loan

Quantum of loan to each NGO is limited to Rs. 5.00 lakh. The share of the NGO will be 5% of the project cost. The loan will be used by the NGO to implement a single or multiple activity project in which the maximum possible participation of the beneficiaries may be ensured.

Rate of Interest

The interest on the loan amount will be charged as per following table-

i) Upto Rs. 50,000/- - 5% p.a.
ii) Above Rs. 50,000/- and less than Rs. 5.0 lakh. - 6% p.a.

Repayment Period

The loan amount including interest will be repaid within 10 years in equal quarterly installments.

Insurance Cover

Adequate insurance cover may be obtained in respect of assets acquired by the NGO out of the loan advanced by National Handicapped Finance and Development Corporation. The premium of insurance will be paid by the NGO.

Management of the Project

The income generating activity for which loan is advanced by NHFDC will be managed by such office bearers of the parents association who are parents of mentally retarded children. It will hold at least one meeting in a quarter to review the implementation and progress of the project. A representative of NHFDC will also be attending such meeting to review the implementation of the project.

Procedure for Obtaining Loan

The loan application under the scheme will be submitted to National Handicapped Finance and Development Corporation directly by the NGO. However, the NGO should get a resolution passed by its managing committee/ board of trustee to this effect. Proof of this should be submitted alongwith the application.

Last Updated on Thursday, 02 February 2012 15:04
 

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