SWLHPS

Scheme For Waiver Of Loans To Handloom And Powerloom Sector

"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.

राज्य वस्तु रूप

राज्य / केंद्र शासित प्रदेश: आंध्र प्रदेश

नोडल विभाग: Department of Industries and Commerce

योजना किसके लिए: Infra

योजना प्रोफ़ाइल

श्रेणियाँ: सामाजिक कल्याण और सशक्तिकरण

उप-श्रेणियाँ: Loan, वित्तीय सहायता

लक्षित लाभार्थी: व्यक्तिगत, Self Help Groups (SHGS)

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

विवरण

"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 -

  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.

लाभ

  • [ [ { "children": [ { "text": "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." } ] }
  • { "children": [ { "text": "The total amount eligible for redemption of loans taken for weaving purposes shall be limited to " }
  • { "text": "₹1 00 000for 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 000for 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.

पात्रता

  1. 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.

  2. The total amount of loan for all eligible purposes from all banks taken together shall not exceed the ceiling fixed for individuals.

  3. 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.

आवेदन प्रक्रिया

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.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

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

संदर्भ

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Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

  • Aadhaar Card
  • Income Certificate
  • Caste Certificate (if applicable)
  • Residence Proof
  • Bank Account Details
  • Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status