What is the purpose of Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Scheme For Waiver Of Loans To Handloom And Powerloom Sector is a government welfare initiative designed to support Infra, Individual, Self Help Groups (SHGS) through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Eligibility for Scheme For Waiver Of Loans To Handloom And Powerloom Sector may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Benefits under Scheme For Waiver Of Loans To Handloom And Powerloom Sector may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Scheme For Waiver Of Loans To Handloom And Powerloom Sector is managed by Department of Industries and Commerce and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Yes, eligible applicants may be able to apply online for Scheme For Waiver Of Loans To Handloom And Powerloom Sector through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Applications for Scheme For Waiver Of Loans To Handloom And Powerloom Sector may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is income certificate required for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Scheme For Waiver Of Loans To Handloom And Powerloom Sector.

Is Scheme For Waiver Of Loans To Handloom And Powerloom Sector available in all states?

No, Scheme For Waiver Of Loans To Handloom And Powerloom Sector is primarily available for eligible residents of Andhra Pradesh and may be implemented through state government departments and local administrative offices.

Can residents outside Andhra Pradesh apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Eligibility for Scheme For Waiver Of Loans To Handloom And Powerloom Sector is generally limited to residents of Andhra Pradesh unless otherwise specified in the official scheme guidelines.

Can small and marginal farmers apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Eligible small and marginal farmers may apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector subject to land ownership records, income eligibility, and agricultural beneficiary criteria.

Does Scheme For Waiver Of Loans To Handloom And Powerloom Sector provide subsidy support for farmers?

Scheme For Waiver Of Loans To Handloom And Powerloom Sector may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.

Can CSC centres help users apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Can beneficiaries track application status for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Which nearby public services may help with Scheme For Waiver Of Loans To Handloom And Powerloom Sector applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

SWLHPS

Scheme For Waiver Of Loans To Handloom And Powerloom Sector

5.9/10

"Scheme for Waiver of Loans to Handloom and Powerloom Sector" redeems the debt accrued by the farmers, Self-Help Groups, Weavers, etc., to the Scheduled Commercial Banks/Cooperative Banks, Urban Cooperative Banks, and RRBs, through their Branches/Institutions in the State of Andhra Pradesh.

State In Kind

States / UT: Andhra Pradesh

Nodal department: Department of Industries and Commerce

Scheme for: Infra

Scheme profile

Categories: Social welfare & Empowerment

Sub-categories: Loan, Financial assistance

Target beneficiaries: Individual, Self Help Groups (SHGS)

Tags: Loan, Weaver, Bank, Self-Help Groups

Details

"Scheme for Waiver of Loans to Handloom and Powerloom Sector" is a Loan Waiver Scheme by the Industries and Commerce Dept., Govt. of Andhra Pradesh. The scheme redeems the debt accrued by the farmers, Self-Help Groups, Weavers, etc., to the Scheduled Commercial Banks/Cooperative Banks, Urban Cooperative Banks, and RRBs, through their Branches/Institutions in the State of Andhra Pradesh. The scheme also suggests a number of measures for increased livelihood opportunities and improved prosperity. The scheme has a specific focus on -

Weavers’ Individual Loans
Weavers’ Groups Loans
Loans of Power loom Units below 5 HP Power connection and availing 50% power subsidy scheme.

Benefits

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Self-Help Groups Weavers etc to the Scheduled Commercial Banks/Cooperative Banks
Urban Cooperative Banks and RRBs through their Branches/Institutions in the State of Andhra Pradesh." } ] }
{ "children": [ { "text": "The total amount eligible for redemption of loans taken for weaving purposes shall be limited to " }
{ "text": "₹1 00 000 for Individual Weaver."
"bold": true } ] }
{ "children": [ { "text": "The total amount eligible for redemption of loans taken for weaving purposes shall be limited to " }
{ "text": "₹5 00 000 for Weaver Groups"

The scheme redeems the debt accrued by the farmers, Self-Help Groups, Weavers, etc., to the Scheduled Commercial Banks/Cooperative Banks, Urban Cooperative Banks, and RRBs, through their Branches/Institutions in the State of Andhra Pradesh.

The total amount eligible for redemption of loans taken for weaving purposes shall be limited to ₹ 1,00,000 for Individual Weaver.

The total amount eligible for redemption of loans taken for weaving purposes shall be limited to ₹ 5,00,000 for Weaver Groups, subject to the condition that within the Weaver Groups, the eligibility for the redemption of the loan outstanding per individual will be limited to ₹ 1,00,000.

The weavers whose loans are redeemed under the scheme will be eligible for fresh finance from the lending institutions, provided, the amount waived is equal to the loan outstanding.

Eligibility

The loans disbursed to Individual Weavers and Weaver Groups for weaving purposes that were outstanding on 31.03.2014 are eligible for coverage under the scheme.
The total amount of loan for all eligible purposes from all banks taken together shall not exceed the ceiling fixed for individuals.

The following categories of borrowers are eligible under the scheme:

a)  Individual Weavers who have directly availed loans for weaving purposes; 
b)  Weaver Groups having availed loans for weaving purposes on a pro-rata basis as per the amount drawn by each member, the aggregate amount subject to the overall ceiling; 
c)  Credit extended to holders of Weaver Credit Cards; 
d)  Weavers having Power Loom Units below 5 HP capacity and who are availing of the existing 50% Power subsidy scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

5.9

/ 10

Public Benefit Score

Accessibility 7.0/10 Good

Rural usefulness 6.0/10 Moderate

Application complexity 5.0/10 Moderate

Financial impact 5.0/10 Moderate

Literacy barrier 7.0/10 Challenging

Women inclusivity 7.0/10 Good

Awareness 4.5/10 Moderate

Implementation reliability 7.0/10 Good

Bigger shape means a better fit for citizens

Accessibility7.0
Financial impact5.0
Rural utility6.0
Awareness4.5
Simplicity5.0
Inclusivity7.0

What problem does this scheme solve?

The scheme provides significant support to weavers and self-help groups by waiving outstanding loans, which can enhance their financial stability.

Key challenges addressed

Debt relief for weavers and self-help groups
Improved livelihood opportunities

Most beneficial for

Individual weavers
Weaver groups

Likely challenges

Identification of eligible beneficiaries
Awareness about the scheme

Practical insights for citizens

The scheme's effectiveness depends on the proper identification and communication with beneficiaries.

Rural challenges

Limited awareness of the scheme
Access to banking facilities

Digital challenges

Limited internet access in rural areas

Implementation bottlenecks

Verification of beneficiary claims

Awareness challenges

Low awareness among potential beneficiaries

Application analysis

Application mode: Hybrid
Documents burden: Low
Verification complexity: Moderate
Office dependency: Moderate
DBT dependency: Low
CSC support: Available
Estimated citizen effort: Moderate

Estimated beneficiary reach

Rural / urban reach High
Gender reach Moderate
Occupation reach Weavers and self-help groups

Benefit analysis

Benefit type: In Kind
Benefit frequency: One-time waiver
Benefit practicality: High, as it directly alleviates financial burdens
Financial meaningfulness: High, as it can significantly reduce debt for individuals and groups
Long-term impact: Positive, as it may lead to improved economic stability for weavers

Plain-language guidance

This scheme helps weavers and self-help groups by waiving their outstanding loans, making it easier for them to manage their finances. It is aimed at improving their livelihoods.

Who should apply: Individual weavers and weaver groups with outstanding loans.
Who may struggle: Those unaware of the scheme or lacking access to banking services.
Best application route: Apply via local CSC with Aadhaar or through the district-level committee.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online

Identification of the Beneficiaries:

The Assistant Director (H&T), shall obtain the list of potential beneficiaries from the Banks, and convene the meeting of the District Level Committee (DLC), with the prior approval of the District Collector and in coordination with the LDM of the concerned district.

Timeframe: Within 7 days after scrutiny by the Bankers and Handlooms & Textiles Department Officers.

Disbursal of the Benefits:

The District Level Committee shall scrutinize the list with reference to the genuineness of the claims and if found in order, approve the list and recommend redemption of the debt. Based on the recommendation of the District Committee, the Commissioner of Handlooms and Textiles will release funds directly to the Banks concerned from a

central account.

Timeframe: Within 7 days after scrutiny by the DLC.

Notings:

The details of benefits given under the scheme will be noted in the Loans Pass Books or Weavers credit cards.

Timeframe: The day on which the benefit has been released to individual weavers.

Grievance Redressal:

Any weaver who is aggrieved on the ground that his name has not been included in the list of eligible members on the ground that the waiver granted to him has been calculated wrongly may make a representation through the branch from which he received the loan or directly to the Grievance Redressing Officer of the lending institution concerned.

Timeframe: Every such representation shall be disposed of within 30 days of receipt thereof.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

When Was The Government Order Of The Scheme Guidelines First Issued?: The Government Order of the Scheme Guidelines was first issued on 1st January 2016.
What Are The Objectives Of This Scheme?: The objectives of this scheme are to redeem the debt accrued by the farmers, Self-help Groups, Weavers, etc., to the Scheduled Commercial Banks / Cooperative Banks, Urban Cooperative Banks, and RRBs, through their Branches/Institutions in the State of Andhra Pradesh. The scheme also suggests a number of measures for increased livelihood opportunities and improved prosperity.
Does This Scheme Have A Special Focus On A Particular Type Of Loan?: Yes, the scheme has a specific focus on - 1. Weavers' Individual Loans 2. Weavers' Groups Loans 3. Loans of Power loom Units below 5 HP Power connection and availing 50% power subsidy scheme.
Are The Loans Taken From RRBs Also In The Scope Of This Scheme?: Yes, the scheme applies to the loans taken for weaving purposes extended by Scheduled Commercial Banks/Cooperative Banks, Urban Coop. Banks and RRBs, through their branches/Institutions in the State of Andhra Pradesh.
Are The Loans Taken From The Banks Outside The State Of Andhra Pradesh Also In The Scope Of This Scheme?: No, loans taken from banks located outside the State of Andhra Pradesh are not in the scope of this scheme.
Are Individual Weavers Also Covered In This Scheme?: Yes, the loans disbursed to Individual Weavers and Weaver Groups for weaving purposes that were outstanding on 31.03.2014 are eligible for coverage under the scheme.
What Is The Upper Ceiling Prescribed For Individual Weaver?: The total amount eligible for redemption of loans taken for weaving purposes shall be limited to ₹ 1,00,000 for Individual Weaver.
What Is The Upper Ceiling Prescribed For Weaver Groups?: The total amount eligible for redemption of loans taken for weaving purposes shall be limited to ₹ 5,00,000 for Weaver Groups, subject to the condition that within the Weaver Groups, the eligibility for the redemption of the loan outstanding per individual will be limited to ₹ 1,00,000.
How Will The Eligible Beneficiaries Be Identified For This Scheme?: The Assistant Director (H&T), shall obtain the list of potential beneficiaries from the Banks.
How Will The Amount Of The Scheme Benefit Be Provided In The Case Of Individual Beneficiaries?: All payments will be routed through the bank where the debt is outstanding directly to the account of the beneficiary.
How Will The Amount Of The Scheme Benefit Be Provided In The Case Of Beneficiary Groups?: In the case of the groups, the payment will be made to the group account director, and the members of the group in turn will apportion the money in the ratio appropriate.
Where Can I Find The Telugu Translation Of The Scheme Guidelines?: A copy of this scheme in English and Telugu Languages shall be displayed in each branch of every lending institution covered under this scheme.
Can I Apply To This Scheme If The Annual Income Of My Family (From All Sources) Is More Than ₹ 8,00,000?: There are no income-related criteria for this scheme. You can apply to this scheme irrespective of your family income, provided that you meet the eligibility criteria for this scheme.
Can I Apply To This Scheme If I Am Above 35 Years Of Age?: There are no age-related criteria for this scheme. You can apply to this scheme irrespective of your age, provided that you meet the eligibility criteria for this scheme.
Are There Any Age-Related Criteria For This Scheme?: No, there are no age-related criteria mentioned in the scheme guidelines for this scheme.
Can A Domicile Of Telangana Also Apply To This Scheme?: No, in order to be eligible to apply, the applicant should be a resident/domicile of the state of Andhra Pradesh.
Is This Scheme State Sponsored Or Centrally Sponsored?: This scheme is a 100% State Sponsored Scheme.
Where Can I Find The Link To The Scheme Guidelines?: The Scheme Guidelines can be found at this link - https://www.aphandtex.gov.in/open_record.php?ID=142

Official links

References

Guidelines: https://www.aphandtex.gov.in/open_record.php?ID=142

Apply

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Loan Weaver Bank Self-Help Groups

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Frequently asked questions

What is the purpose of Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Scheme For Waiver Of Loans To Handloom And Powerloom Sector is a government welfare initiative designed to support Infra, Individual, Self Help Groups (SHGS) through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Eligibility for Scheme For Waiver Of Loans To Handloom And Powerloom Sector may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Benefits under Scheme For Waiver Of Loans To Handloom And Powerloom Sector may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Scheme For Waiver Of Loans To Handloom And Powerloom Sector is managed by Department of Industries and Commerce and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Yes, eligible applicants may be able to apply online for Scheme For Waiver Of Loans To Handloom And Powerloom Sector through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Applications for Scheme For Waiver Of Loans To Handloom And Powerloom Sector may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Scheme For Waiver Of Loans To Handloom And Powerloom Sector.
Is Scheme For Waiver Of Loans To Handloom And Powerloom Sector available in all states?: No, Scheme For Waiver Of Loans To Handloom And Powerloom Sector is primarily available for eligible residents of Andhra Pradesh and may be implemented through state government departments and local administrative offices.
Can residents outside Andhra Pradesh apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Eligibility for Scheme For Waiver Of Loans To Handloom And Powerloom Sector is generally limited to residents of Andhra Pradesh unless otherwise specified in the official scheme guidelines.
Can small and marginal farmers apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Eligible small and marginal farmers may apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
Does Scheme For Waiver Of Loans To Handloom And Powerloom Sector provide subsidy support for farmers?: Scheme For Waiver Of Loans To Handloom And Powerloom Sector may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
Can CSC centres help users apply for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Scheme For Waiver Of Loans To Handloom And Powerloom Sector?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Scheme For Waiver Of Loans To Handloom And Powerloom Sector in Andhra Pradesh?: Users in Andhra Pradesh may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Scheme For Waiver Of Loans To Handloom And Powerloom Sector applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.