persons with dis-abilities towards self - employment

1 Persons with dis-ABILITIES Towards Self - Employment

Persons with dis-ABILITIESTowards

Self - Employment

RAM KISHORE SHARMA

(Due care has been taken to update and compile available information. However,author will not be responsible for printing mistake and any change ininformation/schemes. Moreover, information contained in this book cannot beused for legal purposes.)

JHAROKHABhubaneswar

Persons with dis-ABILITIES Towards Self - Employment 2

Author

Ram Kishore Sharma (Rehabilitation Officer)Vocational Rehabilitation Centre for HandicappedGovernment of India,Ministry of Labour & Employment, DGE&TSIRD Campus, Unit-VIII, Bhubaneswar (Orissa)E-mail : [email protected] : 09437091220

Publisher & DistributorJHAROKHAGodavari Kunj1049, Laxmi Sagar (Upper Sahi)Bhubaneswar - 751006 OrissaCell : 09437070755

© Author

First Edition : 2004 (By Action Aid India, Bhubaneswar)Second Revised Edition : 2005 (By Government of India, MSJ&E)Third Revised Edition : 2005 (By JHAROKHA)

Printer : Reproprint (P) Ltd.I.R.C. Village, Bhubaneswar

ISBN : 81-88897-01-9

Persons with dis-ABILITIES TowardsSelf - Employment


Aparajita Sarangi, IASDirector, Social WelfareDirector, Mission Shakti

&Managing Director,

Mahila Vikas Samabaya NigamWomen & Chi ld Development

Dept t .Government of Orissa

Tel. (Off.) : 2412076 (Dir.)/2401852 (MVSN)

(Res.) : 2535813 / 2534744 / 2534440

F a x : 2407142 (Dir.)/2401852 (MVSN)

E-mail : [email protected]

F O R E W O R D

All of us are aware of the immense need to transformdisability into �Ability� by generating gainful employment forthe PWDs. With shrinking possibili t ies of absorption inGovernment jobs, many of whom are not appropriate for thePWDs, we need to discover Self -Employment opportunitiesand there are opportunities galore in the form of variousSelf-Employment schemes of Government.

�Persons with dis-ABILITIES towards Self - Employment�is a highly useful endeavour of Sri Ramkishore Sharma,Rehabilitation Officer, VRC for Handicapped, Bhubaneswarwhich is no less than a beautifully done bouquet of all relevantschemes for PWDs.

Roles and responsibilities of field functionaries asregards welfare of the disabled have been clearly defined.Moreover, there is an attempt at giving a bird�s eye - view ofthe major concessions and privileges enjoyed by PWDs.

I am confident that the book will prove to be very usefulfor all concerned and Sri Sharma deserves commendationfor his thoughtful move.

(Aparajita Sarangi)


Lion Dr. Akshay Khandelwal , Ph. D.District Chair Person(Dist. Coordinator - Phy. Challenged & Disabled Person)Lions Club Intrnational, Dist. 322 C2303, Bomikhal, Cuttack Road, Bhubaneswar-751010Ph.0674-2580341/2580342 (O), 2432155(Res.)Mob.9437053322, Fax-91-674-2581541E-mail: [email protected] : www.jhalaniagro.com

PREFACEDisabled people are considered unproductive human resources. Quite often people think, disabledmeans double loss of society viz. loss of manpower as disabled can not do anything, and loss ofmoney because they become burden on family/society. This is myth, because many disabled haveproved their mental, intellectual and physical ability in various fields. The disabled can lead anindependent life, if they are provided adequate opportunities at right time.

It has been a challenge to the author of this book to continue to reflect the present state of the fieldand provide a description of the dynamics of various field of practice as they have emerged and allthe social problem which they seek to ameliorate. The outcome of this effort has been a new editionwith significant change from the previous one. The Government, both Central Government as well asState Government have provided several facilities and benefits to disabled for their upliftment, but dueto lack of proper information and awareness, many disabled could not be benefited. This book is asincere attempt, made by author to bridge this gap. The book contains elaborate information on self-employment and brief information on other concessions and benefits, including legal rights providedby Government. This reflects the author�s grasp over a very difficult issue of immense importance.

Broadly, this book is divided into two parts, viz. (1) Information Based and (2) Experience Based.The format of first part is simple, uniform and comprehensive. The entire information about self-employment schemes and avenues have been compiled in six heads, viz. (1) What is the scheme;(2) Who are eligible; (3) Documents required; (4) How to apply; (5) Whom to contact; and (6)Reference of Government notifications, office memorandums, schemes. The second part (Chapter-2, 3, 5, 14, 19 & 21) is very unique, creative, original and experience based. The author hasidentified more than 100 self-employment avenues (disability and area wise) in service sector,business sector and production sector. Role of district/block functionaries has been narrated clearly.Though this book has been written keeping in view an all India applicability, but last portion focuseson Orissa. Additional information on self-employment network in Orissa has been incorporated whichwill be very useful for readers of Orissa.

Chapter-20 �Information Guidance and Rehabilitation Network in India� contains the activities andaddress/phone numbers/E-mail Ids of exclusive Government institutes for PWDs in India such asVRCs, DRCs, DDRCs, National Institutes, RCI, ALIMCO, CCD, CRCs etc. which will enable the readersto utilise the expert and exclusive services of these institutes.

Chapter-14 �Mini Self-Employment Scheme� designed by author is really a true example of �lessinvestment and more yield�. I have closely worked with author, R. K. Sharma during my presidencyof Marwari Yuva Manch (2003 & 2004). During this period 18 PWDs were given self-employmentkits by Marwari Yuva Manch, Bhubaneswar, out of which 11 PWDs are either earning independentlivelihood or supplementing their family income.

I am confident that this book wil l be very useful for disabled, their parents/guardians, Non-Government organisations and their professionals, activists working for PWDs, special educatorsand Government officials of DRDA, DIC, Sub-Collectors, NAC/Municipalities, DSWOs, financialinstitutes, district Employment Exchanges, BDOs, CDPOs, SEOs, IPOs, VLWs, Anganwadi workers etc.

I believe that this book is precisely complete document on self-employment and other benefits forPWDs. I am well aware about catalytic role played, and contribution made by author in rehabilitationof PWDs. He is a prolific writer and this book will mark a new milestone for which Mr. Sharma�sefforts need to be highly appreciated.

November�2005 Akshay Khandelwal


From the Author�s Desk....There has been a growing global consciousness on integrating and mainstreaming

persons with dis-ABILITIES (PWDs). The UNO declared year 1981 as InternationalYear for the Disabled. The ‘Asia and Pacific decade of the disabled persons’ (1993to 2002) has also emphasized the integration of this most marginalized sectionof the society, into the mainstream socially and economically. I have the strongfeeling that, if PWDs are economically independent right from adulthood, thesocial and psychological integration becomes little easy..

The job-seekers including PWDs are perplexed and confused by innumerablecareer choices. About 18 years of my working experience in this field reveals thatmajority of PWDs, irrespective of their eligibility, have natural desires and hopeto get into a Government job. Majority of them are either very casual or are notaware, some of them really work hard to qualify tough recruitment examinations/viva voce, but very few get through. The job market (specially Govt. jobs) isshrinking, private job market needs highly qualified and very skilled people.Studies reveal that, employment of PWDs in private sector, including multinationalcompanies, in India is in decimal. About 95% people are working in the unorganizedsector, majority of them are underemployed. In this situation, to earn a livelihoodmeans one has to change his/her mindset and needs to shift to alternativeearning options, available and suitable to his/her eligibility and skill. To my mind,self-employment is better among the earning options.

The Government is assisting entrepreneurs, including PWDs, technically andfinancially in setting up of self-employment ventures. Several schemes such asSGSY, SJSRY, PMRY, DRI etc. are being launched. Financial institutes, such asNSFDC, SIDBI, KVIC, KVIB, MVSN and Banks etc. are also providing assistance forthis purpose. Government of India, Ministry of Social Justice & Empowerment hasstarted exclusive NHFDC schemes to give loans to cross disability sector, includingCerebral Palsy and Mentally Retarded for self-employment and higher educationon low interest rates.

The Government has launched number of schemes both inclusive and exclusiveand concessions, relaxations and reservations are being given to PWDs. Section-40 of the “Persons with Disabilities (Equal Opportunities, Protection of Rights andFull Participation) Act, 1995” has made it mandatory that not less than 3%reservation shall be kept for PWDs, in poverty alleviation programs. Little has beendone, lot has to be done, lot can be done with the active support of PWDs/parentsand meaningful collaboration of GOs, NGOs and financial institutes. The basicproblems in Self-Employment are – lack of awareness, motivation, orientation, lessapplications/sponsoring, defective/incomplete applications, selection of unfeasible,unviable, unsuitable ventures, lack of monitoring/enforcement etc. These issuesneed to be tackled in a systematic manner. This book will help the learner/userto know why one should opt for Self-Employment, what are the schemes of Self-Employment, the offices/officials who may be contacted at village/block/districtand state level, essential to the success, illustrative list of business/ventures, roleof district & block functionaries.

November, 2005 Ram Kishore Sharma


AcknowledgementI wish to express my owe gratitude to Shri K. K. Mittal IAS, Director

General/Joint Secretary to Government of India, Ministry of Labour &Employment for his kind support.

I place my deepest gratitude to Shri P. K. Ray, Deputy Director General(Employment), Ministry of Labour & Employment, Government of India forproviding me an unforgettable encouragement, support, guidance and widerscope to work. He has always been a source of inspiration to me.

I wish to place on record my sincere gratitude to Smt. Jayati ChandraIAS, Joint Secretary, & Shri Ashish Kumar, Director, Government of India,Ministry of Social Justice & Empowerment, for not only releasing its firstedition (2004) but also publishing second edition (2005) and ensuring thedistribution of second edition to all the District Magistrates cum Collectorsof the country and other Government and Non-Government organisations.

I place my deep gratitude to Shri Manoranjan Saran IAS, Special Secretaryto Chief Minister of Orissa, Shri Vijaya Arora IAS, Director of Employmentand Smt. Aparajita Sarangi IAS, Director Social Welfare, Government ofOrissa who gladly consented to write their views about third edition of thisbook. They have been always helpful to me in rehabilitation work of PWDs.

My sincere thanks to all officers of DGE&T, specially to Shri YogeshRaizada Joint Director, Shri K. S. Meena Joint Director, Dr. Rumal SinghJoint Director, Shri I. K. Shrivastav Deputy Director, Shri Satish Kumar Dy.Director, Shri A. S. Khan Deputy Director, Shri Sant Ram Under Secretary &Shri J. B. Joshi for their timely support and guidance.

My special thanks, and acknowledgement is very special to Dr. AkshyayKhandelwal who friendly consented author the preface for my endeavour.Dr. Akshyay Khandelwal has given meaningful guidance and support forpublication of this book.

I would also express my sincere thanks to Ms. Supriya Akerkar, RegionalManager and Mrs. Madhumita Ray, Program Manager, Action Aid India,Bhubaneswar for publishing first edition of this book.

Thanks to Shri Mahesh Dubey, Sr. Manager-ALIMCO, Shri A. K. Dey-Sr.Manager (PPC) NHFDC, Shri Kishan Khandelwal, President ‘Jharokha’, T.Mohan, Psychologist, Shri Upinder Singh Vocational Instructor and all VRCcolleagues for their support. Very special thanks to Shri H. H. BeheraStenographer, VRC for proof reading and deep involvement in this venture.

Thanks to all PWDs whose photographs are published in this book. I amgrateful to the sources I have consulted and to all friends and colleagues,who have been a source of inspiration.

My thanks must go to my wife Smt. Raj Kumari Sharma for her encouragement,patience, forbearance and advice, and to my daughter Garima and son Gouravfor their moral support inspiring me to complete this arduous task.

November, 2005. Ram Kishore Sharma


CONTENTS

Page

01. Disability, Evaluation & Assessment 8

02. Self-Employment : Best Earning Option � Why ? 15

03. Essentials of Successful Entrepreneur 20

04. National Handicapped Finance &Development Corpn. (NHFDC)--Model Schemes 26

05. District Level NHFDC Interface & Role of District Administration 48

06. Swarna Jayanti Gram Swarozgar Yojana (SGSY) 55

07. Swarnajayanti Shahari Rozgar Yojana (SJSRY) 58

08. Prime Minister Rozgar Yojana (PMRY) 61

09. Khadi & Village Industries Commission--Schemes 64

10. Differential Rate of Interest (DRI) Scheme 68

11. National Level Financial Development Corporations -- Schemes 70

12. Allotment of Petroleum Products Dealership 88

13. Allotment of STD/PCOs 90

14. Mini Self-Employment Scheme 91

15. Other Avenues of Self-Employment 94

16. Innovative Initiatives 98

17. Rural Development & Self-Employment Training Institute 100

18. Technical & Vocational Education of MHRD for PWDs 103

19. Indicative List of Self-Employment Ventures 106

20. Information, Guidance and Rehabilitation Network 113

21. Rehabilitation of PWDs & Role of District/Block Functionaries 126

22. An overview of other Concessions & Programs for PWDs 141

23. Important Addresses / Telephone Numbers 157


Chapter-1

DISABILITY, EVALUATION & ASSESSMENT

A. DISABILITY AND CERTIFICATION

Few important aspects of disability such as Definitions ofdisability, evaluation of disability, authority to give DisabilityCertificate, Appellate Medical Board, validity of certificate etc.,are well defined in PWD (Equal Opportunities, Protection of Rights& Full Participation) Act’1995 and Persons with Disabilities (EqualOpportunities, Protection of Rights & Full Participation) Rules’1996of Government of India and PWD Orissa Rules, 2003. It hasbecome mandatory that each one should work according to PWDAct & Rules. These legal aspects have been discussed in thischapter in brief.

The sample format of disability certificate for the personswith disabilities has been designed basing on format published inthe Government of India Gazette with slight additions for betterment,which accommodates the existing legal aspects including PWDAct, 1995 and PWD Rules, 1996 of Government of India. It issuggested that the disability certificate format should be printedat the state level on quality paper, which will ensure uniformity.The disability certificate is like a passport for PWDs. It is advisedthat if the Medical Board has issued permanent certificate, thencertificate should be laminated which will ensure durability. Theimportant features of disability such as category, definition ofdisabil i ty & disabled, PWD Rule related to Evaluation &Assessment of Disability, Issuing Authority, validity, Punishmentand Users’ Guidelines etc. should be printed on the rear of thecertificate of disability.

B. DEFINITIONS (According to PWD Act, 1995)

Section-2(p) : “Medical authority” means any hospital or institution,specified for the purpose of the Act by notificationby the appropriate Government.

Section-2(t) : ‘Person with Disability’ means a person sufferingfrom not less than 40% of any disability as certifiedby a Medical authority.

Section-2(i) : “Disability” means blindness, low vision, leprosy-cured, hearing impairment, locomotor disability, mentalretardation and mental illness.


Section-2(e) : “Cerebral Palsy” means a group of non-progressivecondition of persons characterized by abnormal motorcontrol posture resulting from brain insult or injuriesoccurring in the prenatal, perinatal or infant period ofdevelopment.

Section-2(o) : “Locomotor Disability” means disability of thebones, joints or muscles leading to substantialrestriction of the movement of the limbs or any formof cerebral palsy.

Section-2(n) : “Leprosy cured person” means any person who hasbeen cured of leprosy but is suffering from :

i. loss of sensation in hands or feet as well as lossof sensation and paresis in the eye and eyelid withno manifest deformity,

ii. manifest deformity and paresis but having sufficientmobility in their hands and feet to enable them toengage in normal economic activities,

iii. extreme physical deformity as well as advancedage which prevents him from undertaking any gainfuloccupation, and the expression “leprosy cured” shallbe construed accordingly,

Section-2(b) : “Blindness” refers to a condition where a personsuffers from any of the fol lowing condit ions,namely : —

i. Total absence of sight; or

ii. Visual acquity not exceeding 6/60 or 20/200 (snellen)in the better eye with correcting lenses; or

iii. Limitation of the field of vision subtending an angleof 20 degree or worse;

Section-2(u) : “Person with low vision” means a person withimpairment of visual functioning even after treatmentor standard refractive correction but who uses or ispotentially capable of using vision for the planning orexecution of a task with appropriate assistive device.

Section-2(l) : “Hearing impaired” means loss of 60 decibels ormore in the better ear in the conversational range offrequencies.


Section-2(r) : “Mental Retardation” means a condition of arrestedor incomplete development of mind of a person whichis special ly characterized by subnormali ty ofintelligence.

Section-2(q) : “Mental illness” means any mental disorder otherthan mental retardation.

C. Guidelines for Evaluation & Assessment of variousDisabilities (As per PWD Rules,1996 of Govt. of India)

Ø A Disability Certificate shall be issued by a MedicalBoard duly constituted by the Central and the StateGovt. (Section-4 (l)

Ø The State Govt. may constitute a Medical Boardconsisting of at least three Members, out of which, atleast one shall be a specialist in the particular field.(Section-4 (2)

Ø The Medical Board shall after due examination give apermanent Disability Cer tif icate in case of suchpermanent disabilities where there are no chances ofvariation in the degree of disability. (Section-5 (1)

Ø The Medical Board shall indicate the period of validityin the Certificate in case where there is any chance ofvariation in the degree of disability. (Section-5 (2)

Ø No refusal of Disability Certificate shall be made unlessan opportunity is given to the applicant of being heard.(Section-5 (3)

Ø On representation by the applicant, the Medical Boardmay review its decision having regard to all the facts& circumstances of the case & pass such orders in thematter as it thinks fit. (Sec.-5 (4)

Ø The certificate issued by the Medical Board under Rule-5 shall make a person eligible to apply for facilities,concessions & benefits admissible under schemes ofGovt. or non-Govt. organizations, subject to suchconditions, as the Central or the State Government mayimpose. (Section- (6)


Note : This cer tificate is most important & an essentialdocument for PWDs to make a person eligible to applyfor facilities, concessions under various schemes. Asmall mistake may create a big problem for PWDs. So,the Medical Board, has to ensure that certificate hasbeen issued to a genuine person, each column hasbeen filled properly, category, nature and percentage ofdisability has been mentioned without cutting oroverwriting signature & seal of Members has been placedproperly and photograph has been attested.

D. Guidelines for Evaluation & Assessment of variousDisabilities (As per PWD Rules, 2003 of Govt. of Orissa)

Evaluation of Disability : General guidelines for evaluation& assessment of various disabilities issued by Notification No. 4-2/83-HW.III, dated the 6th August, 1986 of the Govt. of India inthe Ministry of Welfare is annexed to the Rules as Annexure-A(not annexed in this book) and shall be followed for evaluation ofvarious disabilities provided under clauses (b), (e), (i), (l), (n), (o),(q), (r), (t) & (u) of Section-2 of the Act. (Section-3).

(Revised general guidelines for evaluation & assessment ofvarious disabilities has been issued by Ministry of Social Justice andEmpowerment vide Notification dated 1st June, 2001)

Authorities to give disability certificate : A DisabilityCertificate in the form as annexed to the Rules as Annexure shallbe issued by a Medical Board duly constituted by the State Govt.consisting at least three Members with the Chief District MedicalOfficer of the district and two other specialists, one of whom mustbe a specialist in the particular field for assessing blindness, lowvision, leprosy cured, hearing impaired, locomotor disability, mentalretardation and mental illness, as the case may be (Section-4).

Disability Certificate : The Medical Board constituted underRule-4 after due examination, shall give a permanent DisabilityCertificate in cases of those permanently disabled where there areno chance of variation in the degree of disability, (Section-5(1)

Ø wherever there is any chance of variation in the degreeof disability, the Medical Board will indicate the periodof validity in the certificate. (Section-5(2),

Ø No refusal of disability shall be made unless an


opportunity is given to the applicant of being heard.(Section-5(3),

Ø On representation by the applicant, the Board mayreview its decision having regard to all the facts &circumstances of the case and pass such order in thematter as it may deem fit (Section-5 (4),

Ø The State Govt. may appoint an Appellate Medical Boardto resolve any dispute Which arises with regard to theissue of Disability Certificate. (Section-6(1),

Ø The Appellate Medical Board shall consist of at leastthree Members not below the rank of AssistantProfessor of the Medical Colleges of the state, out ofwhich one shall be an Asst. Professor in a particularfield for assessing locomotor/visual including low vision/hearing and speech disability/mental retardation andleprosy cured as the case may be. (Section-6(2),

Ø The decision of Appellate Medical Board in the mattershall be final (Section- 6(3),

Validity of Certificate : The certificate issued under Rule-5 will be valid for the whole of the country except, the state ofJammu & Kashmir and will make a person eligible to apply forfacilities, concession and benefits admissible under any schemeof Govt. and Non-Government organizations, subject to suchconditions as the Central or the State Govt. may impose fromtime to time. (Section-7).

E. Punishment

Whoever, fraudulently avails or attempts to avail any benefitmeant for persons with disabilities, shall be punishable withimprisonment for a term which may extend to two years or withfine which may extend to Rs. 20,000/- or with both. (Section-69 ofPWD Act’95)

F. User’s Guidelines

a. The Disability certificate makes the PWDs eligible forconcessions & benefits meant for them. Encloseattested xerox copy of this certificate at the time ofavailing/applying for benefits. Keep original with yousafely for verification and future reference.


b. If you have been issued permanent disability certificate,there is no need of renewal.

c . If Medical Board has recommended reassessment,appear before the Medical Board on the stipulated day/month.

d. If you have any grievance regarding nature/percentageof disability certificate, you may represent before theAppellate medical board.

e. In case of loss of disability certificate, you may informthe concerned Medical Board and request for issue ofduplicate/fresh disability certificate.

Release programme (Dec-2004) of 1st edition of �Persons with Dis-ABILITIES Towards Self Employment� by Smt. Jayati Chandra.

Form Left to Right :1. Smt. Aparajita Sarangi IAS, Director (Social Welfare), Govt. of Orissa.2. Smt. Jayati Chandra IAS, Jt. Secretary to Govt. of India, Ministry of Social

Justice & Empowerment.3. Sri R.K. Sharma - Author/Rehabilitation Officer - VRC for Handicapped,

Govt. of India, Bhubaneswar.4. Dr. S.B. Agnihotri IAS, Commissioner-cum-Secretary, Women & Child

Development Deptt., Govt. of Orissa.5. Shri Radhakrishnan, Director, MSJ&E, Govt. of India.


DISTRICT MEDICAL BOARD OF (ORISSA)

Certificate No: Date:

CERTIFICATE FOR THE PERSONS WITH DISABILITY

This certificate is issued as per the general guidelines for evaluation andassessment of various disability issued by the Government of India in the Ministryof Welfare (Now the Ministry of Social Justice & Empowerment) vide GazetteNotification No.4-2/83-HW/III, dated 6th August, 1986 and as may be amendedfrom time to time, and section-2 (b), (e), (l), (n), (o), (p), (q), (r) , (t) & (u) ofP.W.D. Act, 1995.

This is to certify that Smt./Ku./Shri wife/daughter/son of Shri whose particulars are furnished below is a* disabled personand has % ( percent) PERMANENT/TEMPORARY** disability in his/her *** .

PARTICULARS OF THE PERSONS WITH DISABILITY

(1) At: Po: PS: Dist:

(2) Age : (3) Sex:

(4) Signature or LTI of PWD :

l Reassessment is not recommended as disability is permanent and thereare no chances of variation in the degree of disability.

l Reassessment is recommended after a period of ______months/years asthere are chances of variation in the degree of disability.

Signature of 3 Members of Medical Board with seal & date.

Specialist in ****��. Board Member Board Member

Countersigned by the Medical Superintendent/CDMO/Head of Hospital with seal & date

* Write Locomotor/Blind or low vision/Speech & hearing /Mentally Retarded.** Strike out which is not applicable.*** Mention :

Ø Bilateral hearing loss in case of hearing handicappedØ Bilateral visual acquity in case of blindness / low visionØ IQ in case of Mentally Retarded

**** Write Orthopaedic/ENT/Eye/Psychiatric etc.

Recent photographof PWD duly

attested by anyBoard Member.


Chapter-2

SELF-EMPLOYMENT : BEST EARNING OPTION – WHY ?

Each individual adult has natural strong desire of economicindependence, because money is needed at each step of life. Agreat poet has written :

peye ieebþ ceW Hewmee neslee nw, peye Hesì ceW jesìer nesleer nwpeye peye SkeÀ peje& nerje nw, leye nj SkeÀ Meyevece ceesleer nw ~

INCOME GENERATION OPTIONS

Agriculture, self-employment and wage employment are thebasic tools to fulfill the desire of economic independence. In thepast, agriculture was placed on the top position as an incomegeneration option and self-employment and wage employment hadthe IInd and IIIrd priority respectively. A great poet Ghagh wrote :

GÊece Kesleer, ceO³ece yeeveefveef<eOe ®eekeÀjer, YeerKe efveoeve~

Now this situation has been reversed. The new generationhas least priority for agriculture as earning option because it needshard labour, even in adverse weather, it involves high risk andgives low return. A poet has written very rightly about the hard lifeof farmers :

ne[, ceebme, ®eece, ieeue, Kesle ceW cemesOee meeR®euet-ueHeì, þb[, Yeso, menw meyeew oeble YeeR®e~

A. AGRICULTURE

Agriculture is an important earning option and has beenconsidered the backbone of Indian economy. The ratio of Indianpopulation is about 80% rural, 20% urban and agriculture constitutesthe primary occupation for about 70% of the Indian population.Agriculture employs around three-fourth of the working populationand accounts for about 50% of the national income.

The Government has extended several packages for boostingthe Green revolution, in the form of subsidies, loan on low interestrate, income-tax exemption on agriculture income and so on.Agriculture has become a reasonably profitable venture, now. It


needs less manual work because of mechanization and the riskmay be compensated through insurance. It has been seen, thatmany rural adults, who do not have possibility of any other earningoption, opt/desire agriculture as way of life but adequate fertileagriculture land is not available and it can not be created or enhancedby any means. It means that though largest Indian population isengaged in agriculture and many more desire to be farmers butagriculture alone can not fulfill the desires of the youth.

B. WAGE EMPLOYMENT

Each individual, whether he/she is illiterate, literate, lesseducated or highly educated; prefers wage employment, particularlyGovernment employment, because of assured income, secureposition, better status in society, good future prospects, less hardwork, fixed working hours and many other facilities such as L.T.C.,medical expenses reimbursement, children education allowance,pension, gratuity, encashment of leave. I do not discourage thejob seekers, let them try for Govt. jobs, but I would advise themthat they should assess themselves in terms of eligibility,preparation and possibility of selection. Though the Govt. has given3 per cent reservation in jobs (1% each VH, HH, OH). VRCs,Special Cells in Employment Exchanges, Special EmploymentExchanges for PH, Employment Exchanges, National Institutesetc. are working for providing placement service to jobseekers,but the disabled job seekers must understand and realize that,inspite of all this, it is still not easy task because the employmentmarket (particularly Govt. jobs) is shrinking and there is toughopen competition for left out jobs in public & private sector. In thepresent era of globalization and technical advancement, it hasbecome complex task for PWDs, to secure their position often inwage employment. It is not a question of the intellectual andresidual ability of PWDs, no doubt they can compete, few haveeven proved their high ski l l , t remendous talent andcompetitiveness. Because of enhanced inclusive/exclusive Govt.efforts in terms of policy planning & execution, many disabledpeople got Govt. jobs. Though the Govt. has provided reservation,relaxations in education, vocational training and professionalcourses but there is acute shortage of professionally & technicallyqualified PWDs. We cannot blame the Govt. because this taskcan not be achieved by the Govt. alone. It need multisectorialcollaboration. In Orissa the hearing handicapped adults, who aregraduate/postgraduate or professionally/technically qualified are


very few. The situation of visually handicapped is little better. Thelocomotor disabled, compared to visually impaired and hearingimpaired are academically more educated, but again technicallyand professionally qualified locomotor disabled are very less. Thelive register of VRC & Special Employment Exchange for PH,Bhubaneswar reveals and confirms this factual position in Orissa.It means that to get into Govt. job or private job with prevailingbackground is a very complex and difficult task.

C. SELF-EMPLOYMENT

If we analyse existing facts and available data, it can beconcluded that the PWDs should not hope much for wageemployment, because chances are very remote. The second earningoption i.e. ‘agriculture’, has still a ray of hope, if PWDs are havingadequate fertile & irrigated land, resources and human support. Istrongly believe that, self-employment has greater scope, toaccommodate larger number of adult PWDs. The Govt. had startedself-employment finance scheme from 2nd Five Year Plan.Thereafter number of schemes such as SSI Finance (1956), DRI(1972), IRDP (1978), TRYSEM (1977), SEEUY (1983), STED(1984), SEPUP (1986), SUME (1989), PMRY (1993), SESRY (1995),SJSRY (1997) AND SGSY (1999) were launched gradually. TheGovt. has given priority, reservation, subsidies and upper agerelaxation for PWDs under these inclusive schemes. The Govt. ofIndia, Ministry of Social Justice & Empowerment has started anexclusive scheme, cal led ‘National Handicapped FinanceDevelopment Corporation’ (Jan, 1997) to provide finance to PWDsfor self-employment and higher education. The Govt. has alsocreated other avenues, such as 7.5% reservation in allotment ofpetroleum products dealership, top priority in allotment of STD/PCOs, milk parlours, Govt. retail shops etc.

Dozens of schemes are in operation in Orissa to helpentrepreneurs in many ways, such as financially, technically andin marketing etc. the Orissa has annual credit plan (ACP) ofRs.2800 crore (2004), which is increasing yearly, particularly prioritysector credit. If we calculate 3% of ACP for PWDs, it totals to 84crores and some thousands of PWDs can get loans every year.More than 2000 PWDs are being given loan amounting Rs.10crore approximately (up to 2004) under NHFDC scheme. Around1,07,862 SHGs of women have been formed, under Mission ShaktiProgram. If we include even one woman in each group, around


one lakh women with disabilities (WWDs) may be helped. TheLaunderette project for WWDs of W&CD Deptt., technicallysupported by VRC, is very ambitious and unique for economicempowerment of WWDs.

In the past people were happy and satisfied with limitedwealth and resources. According to a renowned poet:

ieesOeve, iepeOeve, yeepeOeve Deewj jleveOeve Keevepeye DeeJes mevlees<e Oeve, meye Oeve Oetue meceeve ~

Now circumstances, attitude and perception of people haschanged. Everybody desires more and more money to cater his/herincreased needs. Self-employment is the best earning option to realizethe dream of economic independence and sufficient earning.

The following comparative statement of two prioritized careeroptions, will help the entrepreneurs to decide their career prospectsand possibilities.

Sl. Wage Employment Self-EmploymentNo.

It is self-saturating decreasing,shrinking.

It has limited scope and remotepossibilities for PWDs to get into.

You have fixed earning as monthlysalary with little hike as annualincrement and nominal DA hiketwice in a year. You can not increaseyour stipulated salary/ increment &DA through your efficiency, hardwork, creativity and innovation.Salaried income is just hand tomouth. You can not have surplusmoney & luxurious life.

It is self-generating increasing andgrowing.

It has unlimited scope. The Govt. isencouraging it through increasedfinancial allocations, subsidies, rebates,reservations, relaxations for PWDs ininclusive schemes. New avenues havebeen created exclusive self-employmentschemes (NHFDC) for PWDs havebeen launched.

You have tremendous opportunityand possibilities to increase yourdaily, weekly, monthly and yearlyearning through hard work, creativebusiness ideas, innovative planning,quality production, reasonable priceand adequate marketing linkage etc.You can maintain luxurious life andcan deposit surplus money for futureneed.

1

2

3


Sl. Wage Employment Self-EmploymentNo.

The employee consumes nationalweal th. (except industr ia lemployees).

You are employee only. You haveto work under someone. You cansuggest only but you can notimplement your innovat ive &creative ideas.

The level of satisfaction is very lowrather frustrat ion is very highbecause of f ixed income,inconducive working environment,unrealistic & iritational arguments ofsuperiors.

You generate national wealth, whichincreases G.D.P. You cater the feltneed of people through production,& bring foreign currency throughexport. You reduce unemploymentproblem by provid ing wageemployment to unemployed.

You are employer and owner. Soyou can plan and execute yourcreative innovative ideas to ensuresustainability and rapid or gradualgrowth of your business.

The satisfaction is high, frustration islow because you get returns of yourefforts in terms of increased income.

4

5

6

�Political will is essential for speedy rehabilitation of PWDs�Shri Naveen Patnaik, Hon�ble Chief Minister of Orissa, accompanied by Smt.Madhur Sarangi IAS, Commissioner-cum-Secretary, W&CD Dept. gifting 20 numbersof Self-Employment kits arranged by VRC, Bhubaneswar through Govt. of Orissa.


Chapter-3

ESSENTIALS OF SUCCESSFUL ENTREPRENEUR

A. Introduction

An entrepreneur is a person with a dream, originality, andcourage, who is the boss, who decides as to how the commercialorganization shall run, who coordinates all activities, whoanticipates the future trend of demand and prices of products.Economists have identified entrepreneurship as the essentialelement in generating investment opportunities in an economy.

B. Definitions

“An Entrepreneur is one who innovates, raises money,assembles inputs, chooses managers and sets the commercialorganization going with his ability to identify them and opportunitieswhich others are not able to identify and is able to fulfill sucheconomic opportunities.”

By JOSEPH A. SCHUMPETER

“An entrepreneur is one who always searches for change,responds to it, exploits it as an opportunity. Entrepreneurs innovate.Innovation is a specific instrument of entrepreneurship.”

By DRUCKER

C. Important Characteristics of an Entrepreneur

1. It consists of people working together primarily for thepurpose of production, sales, purchases etc.

2. It consumes other valuable resources to produce hisoutput, i.e. raw-material, manpower, time, energy, shopspace, utilities, fuel etc.

3. An entrepreneur is a continuing entity. It is not an ad-hoc effort to produce a single product or output, butrather a recurring and continuing effort to produce astream of products or services.

4. Every enterprise carries out some sort of final net profitor loss calculation.


D. Functions of Entrepreneur

Arther H. Cole described ‘ an entrepreneur is a decisionmaker ’ and described the following important functions of everybusiness entrepreneur :

1. The determination of those objectives of the enterpriseand the change of these objectives as conditions requiredue to change in market demand.

2. Securing adequate financial resources for enterprise.

3. The development of a market for the goods or servicesand the devising purpose of new products or servicesto meet demand of the consumers.

4. The development of an organization including efficientrelations with subordinates in the enterprise.

5. The maintenance of good relation with public authoritiesand with the society at large.

6. The requisition of efficient technological equipment andthe revision of it as and when new machinery appearsin the market.

E. Pre-requisites for the success

All aspects of an enterprise, such as production, financing,marketing, consumer care etc. should be properly arranged andco-ordinated to make an enterprise successful. Some pre-requisitesfor the success of an enterprise are :

1. Setting Objectives

Enterprise should know what is to be done. Only afterdeciding the objective, the ways and means will bedetermined to achieve. Majority of PWDs who visit the officesof GO/NGOs come with an empty mind.

Read this conversation between Rehabilitation Officer andPWD and draw conclusion.

RO Kaun Darakar ? (What do you want ?)

PWD Agya, Khande chaakari Deantu. (Sir, give me a Govt.job)

RO Chaakari payiba ette sahajja nuha. Chaakri chhada,annya kaun chahuchhanti ?


Business Kariva ki ? (To get Govt. job is not easytask. Besides, Govt. job do you have other options ?Will you do business ?)

PWD Agya moo jane Akhyam, paribi ki paribini ? Hau Agyatathabi Deantu. (Sir, I am disabled, I can run the ventureor not ? However, give me self-employment options.)

RO Kaun karibe ? (What business you will start ?)

PWD Agya, ‘Dukan—Phukan’ kariba. (Sir, some shop)

RO Ki dukan ? (which shop ?)

PWD Agya business kariba. (Sir, any business)

RO Ki buriness ? (What business ?)

PWD Agya Apanankara Jaha Khusi/dayaa seya deyantu.....(Sir, you give according to your wish and mercy.)

Even after interaction for long time most will insist on agrocery shop only. No financial institute will come forward to financesuch an entrepreneur who has such poor knowledge on self-employment.

The entrepreneur should know that in which area he/she willventure; such as production unit, service sector or trading. If it isa production unit, the nature of product, whether to produce thewhole product or part of it, should be decided. In case of servicethe nature and type of service to be provided.

2. Proper Planning

Planning involves forecasting and laying down the course ofaction. It involves planning for both present and future. Future isalways uncertain. In planning an effort is made to estimate thefuture uncertainties and determine the possible course of actionwhich helps the entrepreneur to prepare for the uncertainties oftomorrow.

3. Financial Planning

The purpose of financial planning is to make such thatadequate funds, under existing schemes are raised. The scarcityof capital as well as too much of it, both are detrimental forbusiness. A proper plan is necessary for providing funds for thepresent needs aimed at future developmental plans. A financialplan will determine : (a) the needs of business capital; (b) sources


for collecting funds; (c) administration of capital structure. It hasbeen observed, entrepreneur including PWDs are very poor infinancial planning. When as Rehabilitation Officer (RO) I interacton this issue, the discussion goes as follows, which will showpoor financial planning, even no planning at all.

RO Apanakar kaun darkar ? (What do you want ?)

PWD Apana jaha chahanti diantu. (Sir, whatever you like,you give.)

RO Apana kuhantu na, atikamre kete tanka loan rebusiness bhala chaliba ? (You tell your estimation, atleast how much amount you need to run this venturesmoothly ?)

PWD Lakhye diantu (one lakh). (Sir, give me one lakh rupees.)

RO Gaonre kette loka rahuchhanti ? Apananka patha kette ?Apananka pari kete dokan achhi ? (What is the populationof locality, what is your educational qualification andhow many such shops exist in that locality ?)

PWD Mu jani nahi. Tathapi 300-400 loka thibe. Agya mu togaonra loka, Mora pathasatha kichhi nahi. Gaonre 3-4 dukan bhi achhi. (Sir, I do not know. However, around300-400 population must be there. Sir, I am a villager,I am illiterate. 3-4 shops are existing in my locality.)

RO Lakhya Tanka loan re bhala chaliba na business ? (Rs.One lakh is sufficient to run this business smoothly)

PWD Na agya, kastare chalibaku padiba, lakhya tanka bahutkam. (No sir, it will not run within Rupees One lakhbecause Rupees one lakh is very meagre amount.)

RO Hau, kuhantu kette tankare theek thaak chaliba. (O.K.,then you let me know how much amount is needed torun the proposed business smoothly.)

PWD Agya, dui lakhya (Rs. 2 lakh) diantu. (Sir, give meRupees two lakh.)

RO Kauna agya lakhya – dui lakhya kahuchhanti, theekbhabare kuhantu kette tanka darkar, mu ebe khatarelikhibaku jauchhi. (What are you saying ? One lakh orRupees two lakh, say perfectly because I am going towrite the amount finally.)


PWD Agya apana ta janichhanti Aji-kali kette mahanga sabujinisa. Hau agya, chari lakhya (Rs.4 lakh) lekhantu.(Sir, you know, it is very costly affair now-a-days dueto price hike. O.K. Sir, you write Rs.4 lakh.)

Ø It can be concluded that that the entrepreneur isvery poor in financial planning.

4. Location of businessThe location of the business depends on type and nature of

venture. For example, bus stands, railway stations, marketcomplexes, residential area/flats etc. are very suitable location forSTD/PCO but not suitable for goatery, piggery & poultry. Soenterprise should decide the proper location of business accordingto need of the venture and locality.

5. MarketingThe majority of ventures suggested in this booklet are small

one & basically based on direct sale to consumers in that localitywithin range of village/GP/Block or District. It hardly requirespublicity through media, posters, announcements etc. Qualityproduct, reasonable competitive price, good behavior, timely opening– closing of shop, better display of products etc., will ensure goodmarketing & sale and profit.

6. Close the Back DoorUsually there are two doors of entrance – (a) The front

entrance, from which customer comes to buy the products andpays the price; (b) The back door entrance, from which parent/relative comes, takes the products/goods but never pays. It issuggested that back door should be closed permanently for properaccountancy, sustainable growth and gradual profit.

7. Re-investmentIt has been observed that entrepreneurs use to spend net

profit in domestic work for improving living standard at initial stageof business. No doubt, business has been started to improve thequality of life but not at the very beginning. Some percentage ofprofit, according to financial need of business, should be re-investedfor some years (1st year-30%, 2nd year- 25%, 3rd year 20%, 4thyear-15%) which will increase turnover and profit and ultimatelybusiness will sustain in a better manner and entrepreneur andtheir family can lead decent life.


8. Credit

Credit beyond the limits is one of the reasons of failure. Onthe other hand, it is difficult too, to have business in cash only,specially in rural areas, and small towns. So credit has to begiven but only to those customers whose public image is good,financial condition is better and known to the entrepreneur. Goodsworth of Rupees ten percent of working capital may be given fora month long credit. Too much goods on credit to one or only fewcustomers should not be given.

9. Stocking

The PWDs should maintain stock register. Proper entry instock register will make entrepreneurs aware about availability ofstock, high/low demanded products and their volume/ quantity;weekly, monthly/yearly.

There are some other factors also which help in gettingsuccess such as to work as per law of the land & social setting/commitments, take the advantage of available relaxations,reservations, in existing schemes/programs, do not let the businessin others hand, think about the timely loan repayment, futuresavings, insurance both life and business, income-tax-return etc.

NHFDC Loan interface programme periodically organised by MVSN & VRC atVRC Bhubaneswar to counsell disabled loanees, their parents and guaranter inseveral areas such as business techniques, re-investment, stocking, future saving,insurance, selling arrangment, repayment etc.From Left to Right : (1) Mr. R.K. Sharma, Rehb. Officer, VRC, Bhubaneswar,(2) Smt. Meena Das, MVSN, Govt. of Orissa Undertaking, (3) Namrata Chaddha,Member Women Comission, Orissa


Chapter-4

NATIONAL HANDICAPPED FINANCE &DEVELOPMENT CORPN. (NHFDC)

A. Introduction

Ministry of Social Justice & Empowerment, Government ofIndia has set up (24.1.1997) NHFDC under Section-25 of CompaniesAct, 1956 as a company, not for profit, with share capital of Rs.400crore (Rupees four hundred crore) wholly owned by Govt. of India.The NHFDC is unique in many aspects such as :

i. It is exclusive scheme to lend loan to cross disabilitysection, including mentally retarded; for self-employment& higher education.

ii. The rate of interest is comparatively low, varying from5 to 6% per annum for men and 4 to 5% for women.

iii. There are wide range of schemes including businesssector, service sector, manufacturing unit and agrobased activities.

iv. Margin money and mortgage not needed if loan amountis below Rs.50,000/- and entire amount (Working & BlockCapital) is being released at a time.

v. The loan is not financed through bank. It is financeddirectly through state channelising agency.

vi. It is not essential and compulsory that NHFDCapplication should be recommended or sponsored byany District/Block agency. The beneficiary himself canapply directly to state channelising agency.

OBJECTIVES :

« Promote economic development activities for the benefit ofPWDs.

« Promote self-employment and other ventures for the benefit/economic rehabilitation of PWDs.

« Extend loan to PWDs for pursuing general/professional/technical education for training at Graduate and higher level.

« Assist self-employed individuals in marketing their finishedgoods and assist in procurement of raw materials.


SCHEMES :

The NHFDC provides financial assistance to PWDs for widerange of economic generating activities. These are :

« FOR SETTING UP SMALL BUSINESS IN SERVICE/TRADING SECTOR

Loan upto Rs.1.00 lakh for sales/trading activity and Rs.3.00lakh for service sector activity.

« FOR AGRICULTURE ACTIVITIES :

Loan up to Rs.5.00 lakh. Loan assistance is provided toPWDs for agriculture production, irrigation, horticulture,sericulture, purchase of agriculture machinery/equipment foragriculture service, marketing of agriculture products etc.

« FOR PURCHASE OF VEHICLES :

Loan up to Rs.5.00 lakh. Purchase of vehicle includingautorickshaw for commercial hiring .

« FOR SELF-EMPLOYMENT AMONGST PERSONS WITHMENTAL RETARDATION, CEREBRAL PALSY AND AUTISM :

Loan up to Rs.3.00 lakh. In such case, the financialassistance is extended through parents or spouses and legalguardians of the dependent mentally disabled person.

« FOR SETTING UP SMALL INDUSTRIAL UNITS :

Loan upto Rs.5.00 lakh. Loan assistance is provided to PWDsfor manufacturing, fabrication and production.

« LOAN FOR EDUCATION/TRAINING :

Loan upto Rs.7.50 lakh for studies in India and Rs.15.00lakh for study abroad.

« FOR SKILL AND ENTREPRENEUR DEVELOPMENT :

Financial assistance in the form of grant is provided to thechannelising agencies for imparting skills and entrepreneurdevelopment training to PWDs.

« MICRO FINANCING SCHEME :

Loan up to Rs.5.00 lakh for NGOs , up to Rs.25,000 perbeneficiary.

« MAHILA SAMRIDHI YOJANA :

Loan up to Rs.5.00 lakh for NGO, up to Rs.25,000 per womanbeneficiary.


Above two schemes are also implemented through statechannelising agencies.

« PARENTS ASSOCIATION OF MENTALLY RETARDEDPERSONS :

Loan up to Rs.5.00 lakh.

2. WHO ARE ELIGIBLE

i. Any Indian citizen with 40% or more disability(Locomotor disabled, Visually Handicapped, HearingHandicapped, Mentally Retarded, Autism and parents’association of Mentally Retarded persons .)

ii. Age between 18 to 55 years.

iii. Annual income below Rs.80,000/- for rural areas andRs.1,00,000/- for urban areas.

iv. Relevant educational/technical/vocational qualification/experience and background.

v. Should not be debtor.

3. REQUIRED DOCUMENTS :

Note : The documents listed and procedure explained here are basedon state channelising agency - MVSN in Orissa. So the learner/users of other states are advised to contact their respective statechannelising agencies.

A. ALONG WITH NHFDC APPLICATION

The candidate should submit attested copies of followingdocument along with filled NHFDC loan application.

(i) Eligibility Documents

a. Two copies of disability certificate issued by the DistrictMedical Board. (In case of the hearing impaired,audiogram chart too.)

b. Certificate in proof of age (Birth Certificate or SchoolT.C. or Matric Certificate or voter identity card.)

c. Residence certificate issued by the Tahsildar.

d. Latest income certificate issued by the Tahsildar.


(ii) Other documents

a. Guarantor’s declaration in prescribed format.

b. Guarantor’s Income Certificate from Tahsildar or fromthe employer/DDO in case of Government Employee.

c. Court Affidavit on Rs.10/- non-judicial stamp paper (inoriginal) in prescribed format regarding borrowing status.

d. Two passport size and two post-card size photographsof loanee, showing disability.

e. In case of Mentally Retarded, additional documentssuch as court affidavit in prescribed format (in original)residence certificate, income certificate, photographsand certificate of proof of age of parent/guardian whois applying for NHFDC loan on behalf of the mentallyretarded adult.

f. Encumberence Cer tificate, valuation cer tificate ofimmovable property and 125% mortgage in case ofloan amount is more than Rs.50,000/- .

g. No due certificate from banks.

B. AT THE TIME OF INTERFACE

The channelising agency (MVSN, Orissa) will organize anInterface Program to verify the disability, assess the interest,attitude, aptitude, residual ability of PWD, feasibility and viabilityof venture, loan requirement & possibilities of repayment. Theloanee should bring following documents at the time of interface:

a. Route map indicating main landmarks, distance, modeof transport (bus, train etc.), fare and timing andavailability of transport, required from District Head-Quarter to business place.

b. Three signatures of loanee and guarantor duly attestedby the Gazetted Officer .

Note : The loanee, guarantor and parents should come in person onstipulated date & time to attend Interface Program, without fail.


C. DURING DISBURSEMENT

If interface panel has recommended the loan application tochannelising agency, then loanee has to submit followingdocuments within 15 days to MVSN Bhubaneswar.

a. 20 copies of blank cheques, duly signed by thebeneficiary and Xerox copy of Savings Bank Accountpass book of any nationalized bank nearer to loanee.

b. Tripartite agreement in prescribed format (in original) ifloanee is illiterate. If loanee is illiterate the guarantormust be literate.

c. ‘Rent agreement’ on Rs.5/- non-judicial stamp paper, incase proposed business will be started in rented shop or‘No Objection Certificate’ from parents on Rs.5/- non-judicial stamp paper, along with copy of revenue receipt,if proposed activity would be started in parent’s premises.

The loanee and guarantor would be called by channelisingagency (MVSN) at Bhubaneswar to receive the loan cheque. Theguarantor and loanee must come in person on stipulated datealong with following documents:

a. Loan agreement papers in original.

b. Receipt on Rs.1/- revenue stamp.

c. Any other left out document asked by channelisingagency.

4. HOW TO APPLY :

The eligible applicant should apply to the respective StateChannelising Agencies (SCAs) in prescribed NHFDC applicationalong with required documents.

From Right to Left : (1) Smt. Tuna Behera, DSWO, (2) Mr. R.K. Sharma,Rehabilitation Officer, BBSR., (3) Kumari Sunitarani Dash, Asst.


5. FUNDING PATTERN/INTEREST RATE &SANCTIONING AUTHORITY :

Sl. Project Cost NHFDC Promoter�s Interest SanctioningNo. share share Rate * Authority

a. Below Rs.50,000 100% Nil 5 % State Channelising Agency

b. Above Rs.50,000 & 95% 5 % 6 % State Channelising Agencyupto Rs.1.00 lakh

c. Above Rs.1.00 lakh 90% 10% 6 % NHFDC Board, New Delhi& upto Rs.5.00 lakh

d. Above Rs.5 lakh -- -- 8 % NHFDC Board, New Delhi(loan for education/training)

* Note : There is a rebate of 1% on interest for women beneficiaries.

6. REPAYMENT :

Repayment should be made within a period not exceeding10 years .

7. WHOM TO CONTACT :

The el igible appl icant should contact to StateChannelising Agencies in their respective state listed below :

1. A&N ISLANDS : Andaman & Nicobar Islands IntegratedDevelopment Corporation, Vikas Bhawan, Post Box No. 180,Port Blair, A&N . Phone No: 03192-232098, 234108, 235286,233659, Fax: 235098

2. ANDHRA PRADESH : AP Vikalangula Cooperat iveCorporation, B.R.K.R. Bhawan, Hyderabad - 500063 Phone:040-23222703. Fax: 040-23223045

3. ARUNACHALA PRADESH : Arunachal Pradesh IndustrialDevelopment & Finance Corpn. Ltd. , Sector-C, District :Papumpare, Itanagar- 791111, Ph: 0360-2212672, 2211763,Fax. 2212751.

4. ASSAM : Assam Financial Corpn. , “Vittiya Bhawan”, Md.Shah Road, Paltan Bazar, Guwahati-781008. Ph: 0361-2523448, 2521854. Fax: 0361-522533/639173.

« Social Welfare Department, Government of Assam, Guwahati.Ph: 0361-2541169.


5. BIHAR : Bihar State Backward Classes Finance &Development Corpn., 4th floor, Sone Bhawan, Birchand PatelMarg, Patna-800001, Ph: 0612-2226099.

6. CHANDIGARH : Chandigarh Child & Women DevelopmentCorpn. Ltd., Town Hall Building, 3rd floor, Sector-17C,Chandigarh. Ph: 0172-707527, 704676, 705445, Fax: 0172-708690.

7. CHHATISGARH : Chhatisgarh Rajya AntahvyavasyeeSahakari Vitta Aivam Vikas Nigam Maryadit, R-12, In frontof T.V. Tower, Anupam Nagar, (Shankar Nagar), Raipur, Ph:0771-5066105.

8. DAMAN & DIU/DADRA & NAGAR HAVELI : Dadra & NagarHaveli, Daman & Diu SC/ST, OBC & Minorities Financial &Development Corpn. Ltd.;, Second floor, Right Wing, PWDComplex, Dadra & Nagar Haveli, Silvassa-396230, Ph: 0260-2643152, 2642043

9. DELHI : Delhi SC/ST/OBC, Minorities, Handicapped Finance& Development Corpn. Ltd., 2, Battery Lane, Rajpur Road,Delhi - 110 054, Ph: 011-23970219, 23954271, 23979068,Fax: 23970219 .

10. GOA : Goa State S.C. & OBC Finance Dev. Corpn. Ltd., 4thfloor, Patto Centre, Near Kadamba Bus stand, Panaji, Ph:0832-2438179. Telefax : 2438178

11. GUJARAT : The Gujarat State Fin. Corpn., Udyog Bhawan,Block No.10, GH-4, Sector-11, Gandhinagar. Ph: 07932-26219/20/26229/26257, Fax: 26238/39/249.

12. HARYANA : Haryana Backward classes & EconomicallyWeaker Section, Kalyan Nigam, SCO No.813-14, Sec. 22A,Chandigarh, Ph: 0172-701722, 701074, 707539, Fax: 773826.

13. HIMACHAL PRADESH : HP Minorities Finance Dev. Corpn.,SDA Complex Block No.38, 1st floor, Kasumpti, Shimla-171009, Ph: 0177-2622164, 2621669, Fax: 2621271.

14. JHARKHAND : Social Welfare Women & Child Dev. Deptt.,Govt. of Jharkhand, Sector-3, Dhruva Engg. Hostel, Ranchi-834 004. Ph: 0651-2403749, Fax: 2403893

15. JAMMU & KASHMIR : J&K State Fin. Corpn., (Jammu):Sehkari Bhawan, Rail Head, Jammu-180 012, Ph: 0191-2471179, Fax: 2471753. «S.F.C. House, Durganag Road,


Srinagar-190 001 (Srinagar) Ph: 0194-2452048, Fax: 2450572.

«J&K State Women’s Dev. Corpn., 615A, Gandhi Nagar,Jammu. Ph: 0191-2430321. Behind Hotel Rigadoon Delgate,Srinagar, Ph: 0194-2458013.

16. KARNATAK : Karnatak Backward classes Dev. Corpn., No.33,Main Road, Sheshadripuram, Bangalore-560 020. Ph: 080-3462482, 3442187, 3462282.

17. KERALA : Kerala State Handicapped Persons Welfare Corpn.Ltd., TC. 17/230(1)Juvenile Home Compound, Poojappura,Thiruvananthpuram-695012. Ph: 0471-2347768, Fax:2340568.

« Handicrafts Development Corpn. of Kerala Ltd.,Puthenchanthai, Thiruvananthapuram-695 001. Ph: 0471-2331358, 2331559, 2330625, Fax: 2331582.

«Kerala Artisans Dev. Corpn. Ltd., second floor, Press clubBldg., Thiruvananthapuram-695001, Ph: 0471-2320844,2324222.

«Kerala State Women’s Dev. Corp. Ltd., first floor, KSWDC,TC. 17/230(1), Poojappura, Thiruvananthapuram-695004,Ph: 0471-2349657/658, Fax: 2349658

18. LAKSHADWEEP : Lakshadweep Khadi & Village Ind. Board,Kavaratti-682555, Union Territory of Lakshadweep. Ph: 04896-262396, Telefax: 263394

19. MADHYA PRADESH : M.P. Pichhra Varg & AlpsankhyakVitta Aivam Vikas Nigam, Rajiv Gandhi Bhawan, 1st Floor,35, Shyamla Hills, Bhopal-662 002. Ph: 0755-2660207,2660208/209, Fax: 2660175

«MP Rajya Sahakari Anusuchit Jati Vitta Aivam Vikas Nigam,Rajiv Gandhi Bhawan, 35, Shyamla Hills, Bhopal-662 002. Ph:0755-2661844, 2661744/1794, 2661629/1803, Fax: 2661612.

«MP Adivasi Vitta Aivam Vikas Nigam, Rajiv Gandhi Bhawan,35, Shyamla Hills, Bhopal-662 002, Ph: 0755-2660672, Fax:5221825

«MP Handicapped Welfare & Dev. Society, Tulsi Nagar, 1250Qtr., Bhopal-462 003. Ph: 0755-2576325, 2551816, Fax:2552665

20. MAHARASHTRA : Maharashtra State Handicapped Finance& Dev. Corpn., R.No.74, Ground floor, Maharashtra Housing


Board Bldg., Bandra (East), Mumbai-400051, Ph:022-26591620/21/22.

21. MANIPUR : Deptt. of Social Welfare, Govt. of Manipur,Directorate Complex, A.T. Line, 2nd. M.R. Gate, Imphal -795 001. Ph: 0385-2220033, 2320407/10, Fax: 2220033.

22. MEGHALAYA : Meghalaya Coop. Apex Bank, Shillong-793002, Ph: 0364-2224263.

23. MIZORAM : Mizoram Coop. Apex Bank Ltd., Aizawal

«Mizoram Urban Coop. Dev. Bank Ltd., Zarkawt, Aizwal-796001, Ph: 0389-2346508, 2343475

24. NAGALAND : Social Security & Welfare Deptt., NagalandCivil Secretariat, Govt. of Nagaland, Kohima-797 001, Ph:0370-2270284, Fax: 2222908.

25. ORISSA : Mahila Vikas Samabaya Nigam, B-38, BhaumyaNagar, Unit-IV, Bhubaneswar-751 001. Ph: 0674-2502245/2502254/2502255. Fax: 2502255

26. PONDICHERY : Pondichery Corpn. for Dev. of Women &Handicapped Persons Ltd., 10, 1, Lango Nagar, Pondichery.605011. Ph. 0413-2242240, 2242639, Fax: 2242639.

27. PUNJAB : Punjab Scheduled Castes Land Finance & Dev.Corpn., SCO No.101/103, Sector-17C, Chandigarh, Ph: 0172-2724905, 2703804

28. RAJASTHAN : Rajasthan SC & ST Finance Dev. Coop.Corpn., Nehru Sahakar Bhawan, Central Block, IIIrd floor,Bhawani Singh Marg, Jaipur. Ph: 0141-2740745, 2740544,2740833, Fax: 2740880

29. SIKKIM : Sikkim SC, Tribes & OBC Dev. Corpn. Ltd., BhanuPath, Gangtok-737101, Ph: 03592-229430, 225318, Fax:231276.

30. TAMILNADU : Tamil Nadu State Apex Coop. Bank Ltd, Po:Box 226, Netaji Subash Chandra Bose Road, Chennai-600001,Ph: 044-25340301/304, 25340706/475, Fax: 25340508

31. TRIPURA : Tripura Sch. Caste Coop. Dev. Corpn. Ltd., Po:Lake Chowmuhani, Agartala, West Tripura-799 001, Ph: 0381-2226543, 2226515, Fax: 2226543.


32. UTTAR PRADESH : Uttar Pradesh Pichhara Varg Vitta AivamVikas Nigam Ltd., 4th floor (South wing), PCF Bldg., 32Station Road, Lucknow-226001, Ph: 0522-2635327, Fax:2635204.

«UP Sahakari Gram Vikas Bank Ltd., 10, Mall Avenue,Lucknow. Ph: 0522-2238844/42, 2238855/9812, Fax: 2239806.

«UP Financial Corpn., 14/88, Civil Lines, Kanpur-208 001,Ph: 0512-2530868, 2530514., Fax: 2531201.

«Uttar Pradesh SC/ST Finance Dev. Corpn., B-912, Sector-C, Mahanagar, Lucknow, Ph: 0522-2385085, 2381996,2381239, Fax: 2386989.

33. UTTARANCHAL : Uttaranchal Bahuudeshiye Vitta AivamVikas Nigam, Sector-1-C-10, Defence Colony, Dehradoon-248 001, Ph: 0135-2665601, 2652458, Fax: 2652577.

34. WEST BENGAL : West Bengal Women Dev. Undertaking, LABlock, B-7, Sector-III, Salt Lake City, Kolkata-700 091, Ph.033-23353150, Fax: 23343150.

8.) Ref: NHFDC Guidelines/Literature.

Sri Janak Digal IAS, Director-Social Welfare and State Commissioner forDisabilities, Govt. of Orissa handing over first NHFDC loan cheque to a

visually disabled woman (1997) at VRC, Bhubaneswar.


I. MODEL SCHEME FOR NHFDC LOAN - CoirRope & Door Mat Making (Female)

A. NON-RECURRING (Block Capital)

1. Land and Building � Civil work/Remodification (own) Rs. �

2. Machinery & equipment : 2 coir spinning charakhas@ Rs.2500/-, 4 wooden frames @ Rs.1000/-, Rs. 18,000iron loom special Mat-1 @ Rs.7000/-,Misc. tools Rs.2,000/-

3. Furniture, fixture & other fixed assets Rs. 4,000

4. Other expenses if any : Rs. Nil

Total Non-recurring expenses/ Rs. 22,000Block Capital (1+2+3+4)

B. RECURRING EXPENSES/WORKING CAPITAL (MONTHLY)

1. Stock of raw material, coconut coir 1000 Kg. Rs. 7,000@ Rs.7 per Kg.colour & chemicals Rs.1000, jute rope etc.

2. Salary/ Wages Rs. Nil

3. Other Contingent expenses :

i) Rent of building Rs. Nil

ii) Electricity Rs. 150

iii) T.A. Transport etc. Rs. 350

iv) Office contingency Rs. 500

Total (i+ii+iii+iv) Rs. 1000

Total Recurring Expenses/ Rs. 8,000Working Capital (1+2+3)

C. TOTAL PROJECT COST

i) Non-Recurring/Block capital Rs. 22,000

ii) Recurring/Working capital Rs. 8,000

Total (i+ii) Rs. 30,000

D. MEANS OF FINANCE

i) Term loan of NHFDC Rs. 30,000

ii) Promoter�s contribution @ ___% Rs. Nil

T o t a l Rs. 30,000


E. PROFIT & LOSS ACCOUNT PER MONTH

Expenditure � 1 Income � 2

By way of sale of 750 Kgs. ofcoir rope & door mat @ Rs.17per Kg. Of processed coirconsidering 10% wastage �Rs.12,750/- .

F. REPAYMENT SCHEDULE

1. Moratorium period � Three months

2. Repayment period � Five years

3. Ist instalment during moratorium period (interest only) � Rs.300/-

4. Total interest amount

Principal amount X Rate of interest X No. of instalments =Rs.(30000 x 4% x 20)=30008 8

5. Quarterly instalments

Interest amount +Principal amount = Rs.(3000+30000) = 33000 = Rs.1733/-No. of instalment - 1 19 19

Date : Signature of applicant :

Place: Name & full address :

i) Recurring Expenditure Rs. 9,000

ii) Interest on loan @ Rs.4% P.A. Rs. 100

iii) Depreciation @ 10% P.A. Rs. 183

iv) Insurance @ 2% P.A. Rs. 50

v ) Net profit (2-1) Rs. 3,417

T o t a l Rs. 12,750

�Vocational Counselling Clinic is on progress.�From Right to Left : (1) Mr. R.K. Sharma, Rehb. Officer, VRC, Bhubaneswar,(2) Smt. Meena Das, MVSN, Govt. of Orissa Undertaking, (3) Shri A.B.Pradhan, Employment Officer, Directorate of Employment, Govt. of Orissa


II. MODEL SCHEME FOR NHFDC LOAN —Tailoring Shop (Female)


1. Land and Building � Civil work/Remodification (own) Rs. Nil

2. Machinery & equipment : Sewing machine 2 nos., Rs.10,000interlock machine-1, stools, Iron box, scales, scissors

3. Furniture, fixture & other fixed assets Rs. 1,000




1. Purchase of cloth, thread, oil etc.. Rs. 13,000

2. Salary/ Wages (To be assisted by family members) Rs. Nil


v) Rent of building Rs. Nil

vi) Electricity Rs. 500

vii) T.A. Transport etc. Rs. 300

viii)Office contingency Rs. 200

Total (i+ii+iii+iv) Rs.1000



i) Non-Recurring/Block capital Rs.11,000



D. MEANS OF FINANCE

i) Term loan of NHFDC Rs.25,000


T o t a l Rs.25,000




Sales of stock : Rs.13,000

Profit 15% : Rs. 1,950

Considering Rs. 2,000

stitching of 20 Rs. 16,950

sets of pant/shirts @ Rs.100 each.


1. Moratorium period � six months




Principal amount X Rate of interest X No. of instalments =Rs.(25000 x 4% x 20)8 8










T o t a l Rs. 16,950

NHFDC beneficary Mr. GorangPanda, a successful deaf

enterpreneur, who have employedfew disabled also in his garment

manufacturing workshop,Bhubaneswar. Mr. Panda wonNational ABILYMPIC Award


III. MODEL SCHEME FOR NHFDC LOAN — MiniDairy Unit (Female)


1. Land and Building � Civil work/Remodification (own existing) Rs. 2,000

2. Machinery & equipment : 3 jersey cows Rs.27,000@ Rs. 9000 each

3. Furniture, fixture & other fixed assets

Container, Water tank, buckets, milk drum etc. Rs. 1,000




1. Purchase of cattle feed, medicine, nutriety etc. Rs. 4,000



ix) Rent of building Rs. Nil

x) Electricity Rs. 100

xi) T.A. Transport etc. Rs. 600

xii) Office contingency Rs. 300

Total (i+ii+iii+iv) Rs.1000






D. MEANS OF FINANCE



T o t a l Rs.35,000




By way of sale of 900 litrs. ofmilk per month 10 ltrs./cow/day)@ Rs.10/- per ltr. Rs.9,000/- +cow dung Rs.75 = Rs.9075/-


1. Moratorium period � three months














T o t a l Rs. 9,075

Mr. R.K. Sharma, Rehabilitation Officer, VRC, Bhubaneswar interactingwith Sri A.K. Dey, Sr. Manager (PPC), NHFDC (Dec. 2004).


IV. MODEL SCHEME FOR NHFDC LOAN —Foam / Leather Products (Male)


1. Land and Building�Civil work/Remodification:15�x10� rented Rs. Nil

2. Machinery & equipment : 2 industrial sewing Rs.12,000machines @ Rs.5500/-, 2 tool kits @ Rs.500/- each


Working table, chair, almirah etc. Rs. 6,000




1. Stock of foam leather, zip, thread, buckles etc. Rs. 20,000

2. Salary/ Wages : One semi-skilled worker Rs. 1,000


xiii) Rent of building Rs. 600

xiv) Electricity Rs. 250

xv) T.A. Transport etc. Rs. �

xvi) Office contingency Rs. 150Total (i+ii+iii+iv) Rs.1000






D. MEANS OF FINANCE



T o t a l Rs.40,000




By way of sale of foam leatherproducts with 20% profit :Rs.26,400/-.















v ) Net profit (2-1) Rs. 66

T o t a l Rs. 26,400

�You can measure the distance in kilometers.But you can�t measure the willpower.�

A self-employed disabled person with his rikshaw.


IV. MODEL SCHEME FOR NHFDC LOAN —Paper cups & plates making (Male)


1. Land and Building�Civil work/Remodification : Rented Rs. �

2. Machinery & equipment : 1 paper cutting machine Rs.22,000with motor, 1 wax coating machine,1 screw press, dies, tools etc.


Stool, table, fan etc. Rs. 4,000




1. Stock of Boards of different quality, Rs. 12,500paper paraffin wax etc..

2. Salary/ Wages : Self & Family Member Rs. Nil


xvii) Rent of building Rs. 500

xviii) Electricity Rs. 300

xix) T.A. Transport etc. Rs. 200

xx) Office contingency Rs. 500Total (i+ii+iii+iv) Rs.1500






D. MEANS OF FINANCE



T o t a l Rs.40,000




By way of sale of paper plates& cups + wastages � Rs.18,000/-
















T o t a l Rs. 18,000

�Political will is essential for speedy rehabilitation of PWDs.�Sri Naveen Patnaik, Hon�ble Chief Minister of Orissa gifting Self-

Employment kits to PWDs. (2002). Extreme left Mr. R.K. Sharma R.O.,VRC & behind the C.M. Smt. Madhur Sarangi IAS, Secretary W&CD Deptt.


V. MODEL SCHEME FOR NHFDC LOAN —Small Goat Rearing Unit


1. Land and Building�Civil work/Remodification : Shed Rs. �

2. 15 female goats of good bread @ Rs.1000/- and 2 Rs.20,000male goats of good breed @ Rs.2500/- each.


Buckets, Brooms, Bamboo Basket, Water tank Rs. 3,000




1. Stock of Goat, feed, Medicine, Phenyle, Disinfactants Rs. 3,000



xxi) Rent of building Rs. Nil

xxii) Electricity Rs. 100

xxiii) T.A. Transport etc. Rs. 100

xxiv) Office contingency Rs. 300Total (i+ii+iii+iv) Rs.500






D. MEANS OF FINANCE



T o t a l Rs.40,000




By way of sale of matured goat 4nos. each month after 6 months @Rs.1500/- each + by way of sale ofgoat milk on average Rs.40/- perday � Rs.1200/- (Rs.6000/- +Rs.1200/- = Rs.7,200/-.




3. Ist instalment during moratorium period (interest only) � Rs.837/-(Rs.139/-x3)









iii) Depreciation @ 10% P.A. Rs. Nil



T o t a l Rs. 7,200

A Blind person with his Goats


Chapter-5

DISTRICT LEVEL NHFDC LOAN INTERFACEPROGRAMME & ROLE OF DISTRICT ADMINISTRATION

A. Introduction

Available data reveals that, majority of NHFDC loan (till 2003)has been availed by the PWDs who are nearer to Bhubaneswar(Puri, Cuttack & Khurda district). Several attempts were made toextend benefit of this scheme to PWDs of remote districts. TheWomen & Child Development Department allotted districtwise targetsto the District Collectors to sponsor the applications. The samematter was discussed in several meetings with the DSWOs. TheVRC for Handicapped, Bhubaneswar, in collaboration with the Govt.of Orissa & district administration organized EDP programs in 22districts (2001,2002). District level sensitization workshops wereorganized in joint collaboration with DPEP, Labour & EmploymentDepartment, VRC Bhubaneswar and district administration tosensitise District/Block Administration (2000 & 2001). Thereafterfew districts sent the applications too, but these applications couldnot be sanctioned because of incomplete documentation and unfilledforms. Since I had visited all 30 districts and several blocks manya times, so I could identify few problems/hardships. Based on fieldexperience, I developed a module entitled “District level NHFDCInterface Program” . This module was implemented by VRCBhubaneswar in tribal dominated and remote district ‘Nuapada’(December, 2003), with active support of district administration,especially very meaningful support of DSWO. 30 NHFDC loanapplications were collected, interface program was organized in thedistrict itself. Thereafter I met (16.12.2003) with Smt. AparajitaSarangi IAS, M.D., MVSN to discuss about the module. All the 30loan applications were handed over to her with a request that sincethis module has been implemented at the field level and has beenfound very much feasible/economically viable, so it should beimplemented in other districts too. Smt. Aparajita Sarangi took fewminutes only and honoured my request happily. She also came astep forward & suggested that henceforth MVSN people will alsoparticipate with VRC team in this unique district level InterfaceProgram. Total 4 districts (Nuapara, Boudh, Rayagada and Gajapati)were covered (2003) and 146 NHFDC applications were collectedand loan amounting Rs.55,50,600/- (Rupees Fifty-five Lakh FiftyThousand and Six Hundred only) was sanctioned. Few more remote


districts namely Malkangiri, Kalahandi & Bargarh have been coveredthrough same module. It will be a great opportunity for districtadministration to utilize this module for the benefit of PWDs.

Note : This Module was found very successful, economically viableand feasible in Orissa. The SCAs of other states may adopt this approachin their respective states.

(B) OUTLINE OF MODULE

This module have basically two phases i.e. “SensitisationWorkshop” and “Interface Program”.

(i) Sensitisation Workshop

The district administration has to organize half a daysensitization workshop, at District Headquarter. It is suggested thatthis workshop should be inaugurated and presided over by theCollector & District Magistrate, so that action plan with deadlinesand role/responsibility of various functionaries can be decided inthis workshop itself. The PD-DRDA, General Manager – DIC, DistrictEmployment Officer, District Lead Bank Manager, BDOs, CDPOs,IPOs, SEOs, selected active NGOs and any other representativeof GOs/NGOs invited by district administration will be theparticipants. The District Social Welfare Officer will co-ordinate theentire program under the supervision of the Collector or his/hernominee. The sensitization workshop will facilitate in understandingmany important aspects of NHFDC scheme such as detail processof NHFDC scheme, documentation, project formulation, selectionof beneficiary, assessment of loan requirement, role andresponsibility of district/block administration, MVSN and VRC. Therepresentatives of the MVSN and VRC will be invited as resourcepersons. The action plan would be drawn on the same day whichhas to be implemented within 6 weeks of time as follow :

Mr. R.K. Sharma,Rehabilitation Officer,

VRC, Bhubaneswarspeaking in a workshop


Action Plan

Listing of women withdisabilities (WWDs)who are the memberof SHGs.Inclusion of at leastone WWD in left outSHGs.Formulat ion ofexclusive SHGs ofWWDs, wherever ispossible.Identification of suitablePWDs & guarantor forNHFDC loan. Thebalance between sex,disability, disadvantageand distance should bemaintained.

Documentation andf i l l ing up of basicinformation in NHFDCloan application.

Interface Program (Role,responsibility & ameni-ties are mentioned onthe next page

Disbursement ofNHFDC loan.

District administration through ICDSnetwork under supervision of the BDOat block level and DSWO at districtlevel.

-do-

-do-

Through ICDS network, IPOs, SEOs& NGOs under BDO�s supervision atblock level. The BDOs will forwardthe list of beneficiaries and theirguarantor to the DSWO.

a) Through ICDS network, CDPOs,IPOs, SEOs & NGOs under theBDO�s supervision at block level. TheBDOs wi l l forward the l is t o fbeneficiaries and their guarantor to theDSWO.b) A request letter along with list, underthe Collector�s signature should be sentimmediately to the following officers :(i) The Tahsildars for issue of residencecertificate of loanee & income certificateof loanee and guarantor.(ii) The CDMO for issue of �DisabilityCertificate�.(iii)The District Lead Bank Manager/Banks fo r i ssue o f �No duecertificate�.

MVSN, VRCH & d is t r ic t admini -stration (call 15-20 loanees in a day)

MVSN

With in 2 weeksafter workshop onor before

3 weeks af terworkshop on orbefore

-do-

With in 2 weeksafter workshop onor before

Within three weeksafter workshop onor before

In fifth week afterthe workshop.

Within 4-6 monthsaf ter in ter facesubject to timelysubmiss ion ofasked documents.

S.No. Item Action taken by Whom Cut off dates

1.

2.

3.

4.

5.

6.

7.


(C) Objectives

The basic objectives of Interface Programme are:

(i) Physical verification of disability.

(ii) Assessment of actual loan requirement.

(iii) Evaluation of attitude, aptitude, interest, residual abilityand suitability of PWD.

(iv) Assessment of feasibility, economic viability of venture,family support & repayment possibilities.

(v) One to one counseling to PWDs, parents and guarantoron various aspect such as business techniques,accounting, stocking, credit, reinvestment, saving,repayment, tax, insurance etc.

(D) Advantage of District Level Interface Program

This program has manifold unique advantages such as :

a. The benefit of NHFDC scheme could reach to PWDs inremote districts and balance between sex, disability,disadvantage and distance could be maintained.

b. The applicant and the guarantor has to attend interfaceprogram invariably at their own cost at Bhubaneswar,organized by MVSN. The district level interface programreduces the financial implications, physical and mentalstrain of PWDs up to great extent.

c. Since forms are filled, checked & documentation iscompleted in Interface Program itself by MVSN & VRCpersonnel, so this program ensures 100% disbursementand zero percent rejection, subject to quick & timelycompliance by PWDs.

d. The field functionaries of district/block administration mayhelp in follow-up action and repayment program as theyare being involved right from identification of ventures,selection of beneficiaries and disbursement of loan.


(E) AMENITIES/LOGISTIC SUPPORT TO BEARRANGED BY DISTRICT ADMINISTRATION FORINTERFACE PROGRAM FOR NHFDC LOAN

1. Two rooms with two tables & five chairs in each room.

2. Assembly hall to accommodate around 50 people alongwith drinking water facilities.

3. Deputation of DSWO, IPOs, SEOs on days of Interface.

4. Arrange Notary Person, along with typist for preparingaffidavits, on the day of Interface.

5. Call the selected eligible loanees & their guarantors(not more than 15 loanees in a day) along with originalcopies for verification and attested Xerox copies forNHFDC application of following documents :

a) Filled NHFDC form (Page No.1 to 6).

b) Residence Certificate issued by Tahsildar.

c) Certificate in proof of age (Birth certificate/SchoolTC/Matric Certificate/Voter Identity Card).

d) Two copies of Disability Certificate, issued by theDistrict Medical Board (in case of the hearingimpaired, audiogram chart too).

e) Income Certificate of loanee issued by the Tahsildar.

f) Guarantor’s declaration as per prescribed format.

g) Guarantor’s income certificate (Rs.20,000 and aboveper annum) issued by Tahsildar or DDO/HO in caseof Government Employee.

h) Court affidavit on Rs.10/- non-judicial stamp paper,IN ORIGINAL, in prescribed format.

i) Two passport size photographs & two postcard sizephotographs showing disability.

j) Rent agreement on Rs.5/- non-judicial stamp paper,in case proposed activity is in a rented shop or ‘NoObjection Certificate’ from parents on Rs.5/- non-judicial stamp paper, along with copy of revenuereceipt, if proposed activity would be started intheir parent’s premises.


k) Model scheme.

l) Route map to reach business place.

m) Three signatures of loanee duly attested byGazetted Officer.

n) Three signatures of Guarantor duly attested byGazetted Officer.

o) Tripartite agreement in original, if loanee is illiterate(but guarantor should be literate).

p) In case of Mentally Retarded, additional documentssuch as court affidavit in original by parents ofMentally Retarded, along with parent’s certificate asstated Sl. No. b, c, d & h (Residence Certificate/AgeCertificate/Income Certificate, photographs).

q) Encumberance Certificate, Valuation Certificate ofimmovable property and 125% mortgage in caseloan amount is more than Rs.50,000/-

r) ‘No Due Certificate’ from Banks.

6. Arrange suitable staying accommodation and localtransportation for VRC/MVSN touring team comprisingof five officers.

Note : Please ensure that each column of NHFDC loan application(from page No.1 to 6) has been filled up properly and neatly and Xerox& original copies of required documents, as stated above, are enclosedserially. This module was found very successful, economically viable &feasible in Orissa. The State Channelising Agencies of other statesmay adopt this approach in their respective states.

(F) REPAYMENT & ROLE OF DISTRICT ADMINISTRATION

The problem of loan delinquency is common to all creditschemes. Overdues in NHFDC scheme is very serious problem. Itundermines the soundness of credit structure of NHFDC scheme.The mounting overdues may paralyse the credit structure of NHFDCscheme. If accumulation of overdue is allowed to continue, thereis every fear that in due course of time the NHFDC would stopfinancing PWDs.


Repayment of loan is very important aspect of this scheme.If adequate recovery comes in time, then more and more PWDsmay be given loans. Though post-dated cheques are collected fromloanee, legal agreements are made between MVSN, loanee &guarantor. But periodical visits to beneficiaries’ home/businessplace are needed to assess & assist the beneficiary and to ensuretimely repayment of loan. The MVSN does not have fieldfunctionaries. It is expected and requested that district administrationwill help through ICDS network and other field functionaries, inrecovery of loan. The district/Block administration should evolve aneffective mechanism to boost the recovery of NHFDC loans.

Shri Ram Kishore Sharma, Rehabilitation Officer, VRC for Handicappedspeaking in an EDP Programme at Boudh (17 June-2003). Outcome was

sanction & disburshment of NHFDC Loan to 27 PWDs.


Chapter-6

SWARNAJAYANTI GRAM SWAROZGAR YOJANA(SGSY)

1. Introduction

S.G.S.Y. (1.4.1999) is a credit-cum-subsidy program in whichcredit is critical component and subsidy is a minor segment aimingto bring people above the poverty line. Group activities andvulnerable groups (PWDs, SC/ST & Women) are the focus area ofSGSY. Beneficiaries are called SWAROZGARIES. Identified keyactivities of block are being supported and quantum of loan dependson nature of project.

2. WHO ARE ELIGIBLE ?

(a) Individual / SHGs

(b) Individuals from rural area / SHGs

(c) He/she should not be defaulter

(d) He/she should be B.P.L. card holder

3. DOCUMENTS REQUIRED

(a) B.P.L. Card

(b) Two recent passport size photographs

(c) Residence certificate

(d) Disability certificate

(e) Certificate in proof of age, qualification, experience & caste

(f) Project proposal / scheme

(g) Any other document required by bank / B.D.O.

4. HOW TO APPLY

A three member team consisting of the BDO, the bankerand the Sarpanch visits each habitation in the Panchayat, accordingto a schedule drawn up and published, and selects the potentialswarozgaries from the BPL families. So the PWDs should keep intouch with Sarpanch or BDO to know the scheduled date andshould attend “Palli Sabha” in which selection is made.


5. WHOM TO CONTACTConcerned Block Development Officer/Sarpanch

6. REFERENCE(1) Section-40 of PWD Act, 1995

(2) SGSY Guideline published by Govt. of India, Ministryof Rural Development

7. QUANTUM OF LOANAs per the project need and nature.

8. RESERVATION & SUBSIDY

Beneficiaries Reservation Subsidy

PWDs 3% 30% or Rs.7500/- whichever is less.

SC/ST 50% 50% or Rs.10,000/- whichever is less.

Women 40% 30% or Rs.7500/- whichever is less.

S.H.Gs � 50% or Rs.1.25 lakh whichever is less.

Irrigation projects --- No monitoring limit on subsidy.

9. RATE OF INTERESTAs notified by RBI/Government from time to time.

10. REPAYMENTRepayment period for each scheme / project is specified in

the sanction letter. The loan normally is to be repaid within amaximum period of 5 years including moratorium period.

PWDs of Koraput with their Self-Employment kits.


The then Chief Minister of Orissa Sri Giridhar Gamango accompanied by Smt.Ranjana Chopra, IAS, Collector, Dhenkanal,

interacting with Mr. R.K. Sharma, R.O., VRC about Vocational Assessment ofRural PWDs at Block level identification and rehabilitation camp. (1999)

Identification, Certification & Rehabilitation of Rural PWDsThrough camp approch, October, 1999.

Mr. R.K. Sharma interacting with adisable child surviviable of super cyclone

(October, 1999).


Chapter-7

SWARN JAYANTI SAHARI ROJGAR YOJANA(SJSRY)

1. Introduction

SJSRY (1.12.1997) was launched to provide incomegeneration option such as setting up gainful self-employmentventure, training & upgradation of entrepreneurial skill to urbanunemployed people, living under poverty line. This scheme consistsof two special schemes :

l Urban Self-Employment Program (USEP)

l Urban Wage Employment Program (UWEP)

2. WHO ARE ELIGIBLE

(a) Urban people living under poverty line.

(b) Age preferably between 18-45 years.

(c) The applicant should not be defaulter.

(d) No minimum education required but people above 9thstandard of school education are not considered forthis scheme.

3. REQUIRED DOCUMENTS

(a) B.P.L. card.

(b) Disability Certificate issued by Medical Board.

(c) Two recent photograph.

(d) Scheme/Project.

(e) Certificate/documents in proof of age, education,experience, caste etc.

(f) Residence Certificate.

(g) No due certificate from the banks/financial institutes ofservice area.

(h) Any other document required by implementing agency/financial institute.


4. HOW TO APPLYThe eligible PWDs should apply in the prescribed form to

Executive Officer, Municipality/ NAC, along with requireddocuments, on or before last date, as notified by Government orimplementing agency.

5. WHOM TO CONTACTThe Executive Officer, Municipality/NAC.

6. REFERENCESwarn Jayanti Sahari Rozgar Yojana (SJSRY) – 1997 of

Ministry of Urban Development & Poverty Alleviation.

7. QUANTUM OF LOANCost of unit or up to Rs.50,000/-

8. RESERVATIONv 3% for PWDs

v Household headed by women such as widows, singlewoman are given preference.(Total reservation should not exceed 50%)

9. SUBSIDY

15% of the project cost.

10. RATE OF INTEREST

As notified by R.B.I./Government.

11. FINANCIAL PATTERN

In the ratio of 75 : 25 Central and State Government sharerespectively.

12. DWCUA

v SHG Having at least 10 women

v Subsidy Rs.1.25 lakh or 50% of the project costwhichever is less

v If the group sets up Thrift & Credit Society, Rs.25,000/- as revolving fund. (This is in addition to other financialhelp.)


Chapter-8

PRIME-MINISTER ROZGAR YOJANA (PMRY)

1. Introduction

To channelise educated unemployed youth into self-employment activities, SEEUY (1983) was launched which wasredesignated as PMRY (1993). Individuals and groups within theindividual admissibility, may apply for loan.

2. WHO ARE ELIGIBLE

(i) Age – General Candidate : Between 18-35 years

PWDs/SC&ST/Ex-Servicemen/Women : Between 18-45 years.

(ii) Qualification : 8th class pass or above.

(iii) Income : Family income should be less than Rs.40,000/-per annum.

(iv) Should not be defaulter.


(a) Attested copy of disability certificate issued by DistrictMedical Board.

(b) Attested copies in proof of educational/technicalqualification, age & experience.

(c) Income and permanent residence certificate (at leastfor three years) from concerned Tahsildar.

(d) Attested copy of caste certificate in case of SC/ST/OBC.

(e) Proposed project report along with relevant documentsas per advice of DIC or its branch (IPO) at block level.

(f) Attested passport size photograph

(g) An undertaking of the applicant in the prescribed form.

(h) Any other document asked by DIC/Bank.

4. HOW TO APPLY

Every year Department of Industry, advertise the scheme in


daily newspaper in the month of May-June. The eligible candidateshould be vigilant in May-June and should apply in the prescribedform along with enclosure.

5. WHOM TO CONTACT

General Manager/Project Manager, District Industries Centre(DIC) of your district or I.P.O. of concerned block or DistrictEmployment Officer.

6. REFERENCE

PMRY Scheme (1993).

7. QUANTUM OF LOAN

Business Sector : Up to Rs.1.00 lakh

Industry/Service Sector : Up to Rs.2.00 lakh

Group project within : Up to Rs.10.00 lakhIndividual admissibility


Reservation Subsidy

PWDs Nil 15% or Rs.7500/- whichever is less

SC/STs 22.5% -do-

OBCs 27% -do-

9. RATE OF INTEREST

Prevailing normal rate of interest.

10. REPAYMENT PERIOD

3 to 5 years or period fixed by concerned bank.

11. MARGIN MONEY

Varying from 5% to 16%.


12. COLLATERAL GUARANTY

No collateral guaranty, if

Ø Service/Business sector loan is up to Rs.1.00 lakh

Ø Industry sector loan is up to Rs.2.00 lakh

Ø Group Project loan is up to Rs.5.00 lakh

�Due to lower limb disability, mobility is restricted,not the mental ability.�

Mr. Suryamani Sahoo, an excellent D.T.P. Operator


Chapter-9

KHADI & VILLAGE INDUSTRIES COMMISSION : (KVIC)

1. Introduction

The Khadi & Village Industries Commission (KVIC) is astatutory body created by a Parliament Act No. 61 of 1956 and asamended by Act No.12 of 1987. The KVIC was established in 1957to provide employment for rural upliftment and creating self-relianceamongst the rural people.

Village Industries of KVIC scheme having 95 types ofindustries are grouped in seven major groups such as MineralBased Industry, Agro-Based and Food Industry, Polymer andChemical Based Industry, Forest Based Industry, Engineering andNon-conventional Energy, Textile Industry (Excluding Khadi) andService Industry. The KVIC has organised infrastructure forimparting training at various level through 61 centres ( 24departmental and 137 non-departmental).

2. WHO ARE ELIGIBLE :

Individuals, Self Help Groups, Institutions/CooperativeSocieties/Trusts.

3. REQUIRED DOCUMENT :

a. Attested copy of Disability Certificate issued by MedicalBoard

b. Attested copy of certificates/documents in proof of age,education, experience, caste, nativity etc.

c. Two photographs

d. Project Report

e. Any other document asked by implementing agencies

4. HOW TO APPLY :

The eligible applicant should apply to nearest public sectorbanks/ regional rural banks/ private commercial bank approved byKVIB/KVIC.


5. QUANTUM OF LOAN :

90% of project cost up to Rs.25 lakh.

6. SUBSIDY :

30% in case of SC/ST/OBC/women/PWD/Ex-Servicemen/Minority/Institute.

7. MARGIN MONEY :

5% in case of SC/ST & other weaker section.

8. REPAYMENT :

The loan normally is to be repaid within a maximum periodof 10 years including moratorium period. However, repayment periodfor each scheme is specified in the sanction order.


a) DIC office of your district

b) KVIC/KVIB offices listed below :

1) ANDHRA PRADESH : KVIC (State office), P.B.No.362,Gandhi Bhawan, MG Road, Hyderabad-500001, Ph: 040-2558101, 25502717. «KVIC (Regional Office), PB No.111,D-No.25-1-35, 1st floor, Allahabad Bank Bldg, Mr. A.V.N.College Down, Vishakhapatnam-530 001. Tel. 261156,266904. «KVIB, 10-4-2, Humayun Nagar, Hyderabad-500 028, Ph: 040-229645/47.

2) ASSAM : KVIC (State Office) G.N. Bardoloi Road,Ambari, Guwahati- 781 001. Ph: 0361-2540603, 2544799.«KVIB, Guwahati-781003. Ph: 0361-2544879.

3) ARUNACHAL PRADESH : KVIC No.27/28, Sector-E,Itanagar-791111

4) BIHAR : KVIC (State office), Suprabhat Bhawan,Exhibition Road, Patna-800 001. Ph: 0612-234010,234024. «KVIB, Gandhi Maidan (East Patna)-800 004.Ph. 0612-2653725

5) GOA, DADRA AND NAGAR HAVELI : KVIC (state office)Cedmar Apartments, Ground Floor, Swami VivekanandRoad, Panaji-403601 (Goa). «KVIC Sub-office : PO:


Silvassa-396 230 . Via: Vapi (W. Rly.). «KVIB , JantaHouse, Annexe Flat No.6, Panaji-403001. Ph. 0832-221410

6) GUJARAT : KVIC Capital Commercial Centre, E. Block,Ellis Bridge, Ashram Road, Ahmedabad-380009. Ph.277780, 278471. «KVIB , Green Villa, Juna Wadaj,Ahmedabad-380013. Ph: 240 9342, 2406398

7) HIMACHAL PRADESH : KVIC 5, Dingle Estate, CartRoad, Shimla-171003. Ph: 2203587. «KVIB, Cleaveland,Shimla-171 004.

8) JAMMU KASHMIR : KVIC (State office) 7, Extension,Shastri Nagar, Jammu-180 004. Ph: 2533412. «KVIB,Near Secretariat, Srinagar-190001.

9) JHARKHAND : KVIC, Abert Ekka Chowk, Main Road,Ranchi-834001

10) KARNATAK : KVIC (State office), 6, Dr. D.V. GundappaRoad, Basavangudi, PB No.496, Bangalore- 560 004.Ph: 080-26620067, 2645810. «KVIB, 10 Miller TankRoad, Bangalore-560 052. Ph: 262936, 264950.

11) KERALA : KVIC (state office), Gramodaya, MG Road,PB No.198, Trivandrum-695 001. Ph: 2331061, 364/625.«KVIC (sub-office), 29/83, Marath Lane, MG Road,Trichur-680001. «KVIB, Trivendrum-695 035. Phone: 269550.

12) MADHYA PRADESH : KVIC (state office) 3/4, Officecomplex, Gautam Nagar, Bhopal- 402023. «KVIB, Indl.Estate, Chittor Complex, Maha Rana Pratap Nagar,462 001.

13) MAHARASTRA : KVIC (state office), Royal InsuranceBldg., 4th floor, 14, Jamshedjee Tata Road, Mumbai-400020. «KVIB : Bhatia Bal Rakshyak Bidyala, 19/21,Manohar Das Street, Mumbai- 400001.

14. MANIPUR, NAGALAND & MIZORAM : KVIC (stateoffice), NE State office, Duncan Road, Dimapur-797(Nagaland). «KVIC (sub-office), Thangal Bazar Road,Khoyathong, Imphal-795 112 (Manipur), «KVIC, UpperKhatla, Aizawal (Mizoram). «KVIB, North to D.C.’sOffice, Lamphelpat, Imphal-795 004. * KVIB, A.G. Road,


Near A.O. C., Kohima-797 001 (Nagaland), «KVIB, J.Lianchungnunga Building, Zarkawt, Aizawl- 709 601.

15. NEW DELHI : KVI (state office) K. Block, ChoudhariBuilding, Cannaught Circus, New Delhi- 110 001.

16. ORISSA : KVIC(State office), 69, Buddha Nagar, KalpanaSq., Bhubaneswar-751 004. «KVIB, Unit-3, KharvelNagar, Bhubaneswar-751 001

17. PUNJAB : KVIC (state office), SCO No.3303-4, Sector-22.D, Chandigarh-160022.

18. RAJSTHAN : KVIC (state office), Jhalana Dongri, J.N.Marg, Jaipur-302001. «KVIC(Regional office), ManikyalalVarma Bhavan, Station Road, Nehru Nagar, Barmar-344001. «KVIC, Waheti Bhavan, Rani Bazar, Bikaner-334001. «KVIB, Jawaharlal Nehru Marg, Bajaj Nagar, Jaipur302 004.

19. TAMIL NADU : KVIC (state off ice), 236, AvaiShanmugham Road, Gopalpuram, Chennai-600 086«KVIC(Regional office), Kamraj Salai, Madurai-625 009.«KVIB, Kuralagam Bldg., Chennai- 600 148.

20. TRIPURA : KVIC( state office), College Road, Agartala-799 004. «KVIB, Colonel Chowmubani, Agartala-799 001.

21. UTTAR PRADESH : KVIC (Zonal office), Indra Nagarcolony, Indra Palace, Faizabad Main Road, Lucknow-226 001. «KVIB, Gramodyog Bhavan, 8, Tilak Marg,Lucknow-226 001. «KVIC, Regional Office, Garh Road,Near Old Chungi, Meerut- 250 001. «KVIC, RegionalOffice, Sanskrit University Marg, Teliabagh, Varanasi.«KVIC (Regional office), People’s college campus,Rampur Road, Haldwani-263 139.

22. UTTARANCHAL : KVIC(Regional office), Gen. MahadevSingh Road, PO: Kanwali

22. WEST BENGAL : KVIC (state office),33, ChittaranjanAvenue, Kolkata-700012. «KVIC (sub-office), AbhoyAshram, Birati, Kolkta-700 051. «KVIB, 12, B.B.D. Baug,Kolkata-700001.


Chapter-10

DIFFERENTIAL RATE OF INTEREST (DRI) SCHEME

1. Introduction

The nationalized banks provide loan to poor people, includingpersons with disabilities and the institutions working for PWDs,orphanage, women etc., who desire to engage themselves inproductive activities or gainful business, at the very nominal rateof interest. There is provision that all nationalized banks shouldtry their level best to provide at least 1% DRI loan of total creditamount.

2. WHO ARE ELIGIBLE

(a) Age : Preferably between 18-55 years

(b) Qualification : Not essential

(c) Income : Should belong to BPL category.Applicant’s land holding should notexceed beyond one acre irrigated and2.5 acres non-irrigated. (The institutesare exempted from land hold criteria).

(d) : Should not be defaulter.


(a) Attested copy of disability certificate issued by MedicalBoard.

(b) Attested copies in proof of age, education, caste,residence and BPL card.

(c) Two recent passport size photographs.

(d) No due certificate from banks.

(e) Any other documents prescribed/asked by bank.

4. HOW TO APPLY

This scheme is direct finance scheme of nationalized banksand does not require any recommendation/sponsoring from anyauthority. So the eligible person should apply in the prescribedform along with required documents as stated above.


5. WHOM TO CONTACT

The Branch Manager/Field Officer of nearest nationalizedbank or District Lead Bank Manager.

6. QUANTUM OF LOAN

The normal limit of loan will be Rs. 6,500/- for working capitalloan and Rs. 5,500/- for a term loan. In exceptional cases,particularly for institutions higher amount is allowed.


No reservation and no subsidy.

8. REPAYMENT PERIOD

Repayment period for each scheme / project is specified inthe sanction letter. The loan normally is to be repaid within amaximum period of 5 years including moratorium period.

SHG of PWD at Kunjabangarh of Daspalla Block under Nayagarh district,promoted by a leading NGO, IIEC.


Chapter-11

NATIONAL FINANCE & DEVELOPMENT CORPORATIONS(NFDCS)

The Government of India has set up seven ‘National FinanceDevelopment Corporations’ for upliftment of women, weaker section,minorities and PWDs. The National Scheduled Caste and ScheduledTribe Finance Development Corporation ( NSFDC) was set up bythe Government of India in February, 1989 as a GovernmentCompany under Section-25 of the Companies Act, 1956 whichwas fully owned Government of India undertaking, under the Ministryof Social Justice & Empowerment. Consequent upon the orders ofthe Govt. of India, declaring bifurcation of the erstwhile NSFDCinto two separate corporations, one each for SC and ST.

Though NHFDC has been set up exclusively for PWDs butlooking at the magnitude of present problem and demand, it hasbecome essential need that benefit of other National Finance andDevelopment Corporation should be extended and utilised by PWDsbelonging to SC/ST/OBC/Minority/Women categories. Section-40of PWD Act, 1995 has made mandatory that not less than 3%reservation shall be kept for PWDs in poverty alleviation programs.The addresses of NFDCs are given below :

1. National Handicapped Finance Development Corporation(NHFDC) : Red Cross Bhawan, Sector-12, Faridabad, 121007(Haryana), Phone: 0129-2287513, 2226910. Fax: 2284371.email :nhfdc@ nda. vsnl.net.in Website : www.nhfdc.org

2. Natiional Scheduled Tribes Finance and DevelopmentCorporation (NSTFDC), Indira Gandhi Indoor Stadium,Indraprasth Estate, New Delhi - 110 002. Ph: 011-2339 2230-34, 2339 2638, 2339 2648-50. Fax: 23392646.

3. National Scheduled Castes Finance and DevelopmentCorporation (NSFDC), 8, Balaji Estate, Guru Ravidas Marg,Kalkaji, New Delhi - 110019. Ph: 011-26002780, 81, 82, 83.Fax: 011-26002777, 78. E-mail : [email protected]. in,Website : http://www.nsfdc.org


4. National Safai Karmacharis Finance and DevelopmentCorporation, (NSKFDC), B-2, 1st floor, Greater KailashEnclave, Part-II, Savitri Crossing, New Delhi - 110048.Telefax: (011) 29221331, 29216330.

5. Rashtriya Mahila Kosh , ICCW Bldg., 3 Deen DayalUpadhyaya Nagar, New Delhi- 110002

6. National Backward Classes Finance & DevelopmentCorporation (NBCFDC), 5th floor, NCUI Bldg., 3, SiriInstitutional Area, Khelgaon Marg, New Delhi - 110 016.

7. National Minorities Development & Finance Corpn.,1, Taimur Nagar, Opp. D/996, New Friends Colony, New Delhi- 110065. Ph: 011-26326051/52/53/54/55/56/57/58/59. Fax.26325651.

�EMPOWERMENT OF WOMEN WITH dis-ABILITIES�Shri B.L. Sharma, IAS, Chief Commissioner for PWDs, Government of India,Ministry of Social Justice & Empowerment inaugurating 2 years long trainingprogramme (SAREE PAINTING) for women with disabil it ies at VRC,Bhubaneswar in presence of Dr. S.B. Agnihotri, IAS, Commissioner-cum-Secretary, W&CD Department, Government of Orissa (1999).


A. NATIONAL SCHEDULED TRIBES FINANCE &DEVELOPMENT CORPN. (NSTFDC)

1. Introduction

The NSTFDC has been set up by Government of India, Ministryof Tribal Affairs in April, 2001 as a Government Company underSection.25 of the Companies Act, 1956 with authorised share capitalof Rs.500 crore. It is registered as a company but not for profit.

NSTFDC is the apex institute to provide financial assistancefor economic upliftment of Scheduled Tribes through StateChannelising Agencies (SCAs). The SCAs have their offices atdistrict level to implement/monitor the schemes. The loan lendingschemes are : Term Loan, Br idge Loan, Adivasi Mahi laSashaktikarana Yojana, Working Capital Loan, Grant for skill andentrepreneural development programme etc.


I. The beneficiary should belong to Scheduled Tribe (ST)community.

II. Annual family income of the beneficiary should notexceed double of the poverty income limit.

III. Partnership firms/cooperative societies/any other form oflegal association are also eligible subject to the following :

a) All the members should belong to ST community.

b) Annual family income of each member/applicantshould not exceed double the poverty line incomelimit.

3. DOCUMENT REQUIRED :

a) Family Income Certificate issued by the competentauthority

b) Caste Certificate issued by competent authority.

c) Disability Cer tificate issued by Medical Board, ifbeneficiary is disabled.

d) Two recent photographs

e) Certificates/documents in proof of age, education,experience, residence etc.


f) Scheme / Project Report.

g) Any other document asked by channelising agency orfinancial institutes.

4. HOW TO APPLY :

The el igible beneficiary should apply through statechannelising agencies or their district level functionaries inprescribed application form along with required document.


Up to Rs.10.00 lakh per unit / profit centre.

6. MARGIN MONEY :

Promotor’s contribution is not insisted up on for scheme/project costing up to Rs.1.00 lakh. However, only 2.5% is requiredfor loan project costing above Rs.1.00 lakh.

7. REPAYMENT PERIOD :

Repayment period for each scheme/project is specified inthe sanction letter of SCAs. The loan normally is to be repaidwithin a maximum period of 10 years including moratorium period.(Except Bridge Loan).


The State Channelising Agencies (Listed below ) and theirsubordinate offices normally situated at District Headquarters ofrespective states/districts.

ANDHRA PRADESH : Managing Director, AP Scheduled TribeCoop. Finance Corpn. Ltd., 1st floor , Telugu Samkshema Bhawan,Masab Tank, Hyderabad-500 028, Ph: 04023390487/3391634, Fax:040-23315236.

ANDAMAN & NICOBAR ISLAND : Managing Director, A&NIsland Integrated Dev. Corpn. Ltd., New Marine Dry Dock, WorkshopComplex, P.B. No. 180, Port Blair - 744 101. Ph : 03192-232801/232095.

ARUNACHAL PRADESH : Managing Director, ArunachalPradesh Industrial & Finance Dev. Corpn, Near AOC, Itanagar-791111. Ph: 0360-212672/212673. Fax: 0360-212751.


ASSAM : Managing Director, Assam Plain Tribes DevelopmentCorpn. Ltd., Ganeshguri Chariali, Dispur- 781 005, Guwahati. Ph:0361-201521.

CHHATISGARH : Managing Director, Chhatisgarh, RajyaSahakari Anusuchit Jati Vitta Evum Vikas Nigam, 68, Jal Viharcolony, Raipur. Ph: 0771666105. Fax: 0771-666105.

DADRA & NAGAR HAVELI : Managing Director, Dadra &Nagar Haveli, Daman & Deu SCs/STs Other Backward Classes &Minorities Financial & Development Corpn. Ltd. , 2nd Floor, RightWing, Old DIC office, PWD Complex, Silvassa-396230. Ph: 0260-643152/642006/642340/250793. Fax: 250328

GOA : Managing Director, Goa State SC & Backward ClassesDev. Corpn., 4th floor, Patto Centre, EDC complex, Near KTC Busstand, Panaji- 403 001, Ph: 0832-220201/227107. Fax: 0832-222340.

GUJARAT : Executive Director, Gujarat Tribal Dev. Corpn.,Block No.10, 2nd floor, Dr. Jivraj Mehta Bhawan, Gandhi Nagar-382 010. Ph: 079-3220009, 3222635 (Res.) Fax: 3223710.

HIMACHAL PRADESH : Himachal Pradesh Sch. Caste &Sch. Tribe Dev. Corpn., Jain Bhawan, Hospital Road, Solan-173212. Ph: 01792-20671. Fax: 20058.

JAMMU : Managing Director, J&K Sch. Castes & Sch. Tribes& Backward classes Dev. Corpn., Ramesh Market, Shastri Nagar,Jammu. Ph: 0191-2433229/2452009. Fax: 2433229.

JHARKHAND : Managing Director, The Jharkhand State TribalCoop. Dev. Corpn. Ltd., Balihar Road, Morabadi, Ranchi-834008.Ph: 0651-2541398. Fax: 2316686.

KARNATAK : Managing Director, Karnatak SC/ST Dev. Corpn.Ltd., 9th & 10th floor, Visweshwaraiah Mini Tower, Dr. AmbedkarVeedhi, Bangalore-560 001. Ph: 080-286709/72865747/ 2865192.Fax: 2860396

KERALA : Managing Director, Kerala State DevelopmentCorpn. for Sch. Castes & Sch. Tribes Ltd., Town Hall Road, Thrisur-680 020. Ph: 0487-2331064/2331202. Fax: 2331469.

LAKSHDWEEP : Managing Director, Lakshdweep Dev. Corpn.Ltd., G-406, Panam Pilli Nagar, Ernakulam, Kochi - 682 036. Ph:0484-2310979/2310990. Fax : 2322924.

MANIPUR : Managing Director, Manipur Tribal Dev. Corpn.


Ltd., Lamphelpat- 795 004. Ph: 0385-2310452/ 2310293. Fax:2310293.

MEGHALAYA : Managing Director, Meghalay Coop. Apex BankLtd., MG Road, Shillong-793 001. Ph: 0364-224160. Fax: 222026.

MADHYA PRADESH : Managing Director, MP Adivasi VittAivam Vikas NIgam, Rajeev Gandhi Bhawan, Parisar-II, 35,Shyamala Hills, Bhopal- 462 002. Ph: 0755-660672. Fax: 221825.

MAHARASTHRA : Managing Director, Shubari Adivasi VittaVa Vikas Mahamandal Maryadit, Adivasi Vikas Bhawan, 3rd floor,Ram Ganesh Gadkari Chowk, Old Agra Road, Nasik- 422 002. Ph:0253-576860/571782. Fax: 571 560

MIZORAM : Chief Executive Officer, Mizoram Khadi & VillageIndustries Board, ‘Zorum’ Zarkawat, Aizwal- 796 007. Ph: 0389-342460. Fax: 347587.

*Chairman, Mizoram Urban Coop. Dev. Bank Ltd.,Lalsawmliani Bldg, Top floor, Zarkawt, Aizwal- 796 001, Ph: 0389-346405/34375.

NAGALAND : Managing Director, Nagaland Indl. Dev. Corpn.Ltd., IDC House, PB No. 5, Dimapur-797 112. Ph: 03862-30571,30573. Fax: 30572. *Managing Director, Nagaland State Coop.BankLtd., PB No. 151, Dimapur-797112. Ph: 03862-28335/28578/20702.

ORISSA : Chairperson-cum-Managing Director, Orissa Sch.Caste Sch. Tribes Dev. Finance Coop. Corpn. Ltd., Lewis Road,Bhubaneswar-751 014. Ph: 0674-2432949/2431623. Fax: 2431798

RAJASTHAN : Managing Director, Rajsthan Sch. Castes Sch.Tribes Finance & Dev. Coop. Corpn., Neheru Sahkar Bhawan,Bhawani Singh Road, Jaipur-302 002. Ph: 0141-740745, 740880.Fax: 740800

SIKKIM : Managing Director, Sikkim Sch. Castes, Tribes &Backward classes Dev. Corpn. Ltd., Bhanupath, Gangtok - 737101. Ph: 03592-23261/25310/23456. Fax: 25318

TRIPURA : Managing Director, Tripura Scheduled Tribes Coop.Development Corpn. Ltd., Supari Bagan, Krishna Nagar, PO: LakeChowmani, Agartala- 799 001. Ph: 0381-2305090. Fax: 0381-2305090.

TAMILNADU : Managing Director, Tamilnadu Adi DravidarHousing & Dev. Corpn. Ltd., Tamil Nadu Housing Board Shoppingcomplex, 2nd floor, Thrimangalam (Anna Nagar). Chennai-600 101.Ph: 044-26286280, 2687075, 26286283. Fax: 26282007.


UTTARANCHAL : Managing Director, UttaranchalBahuudeshiya Vitta Evam Vikas Nigam, 6/A, Rest Camp, NearPrince Hotel, Dehradun-248 001. Ph: 0135-2628099. Fax. 2628099.

UTTAR PRADESH : Managing Director, UP Sch. Castes &Sch. Tribes Finance & Dev. Corpn., B-912, Sector-C, Mahanagar,Lucknow-226 006. Ph: 0522-2386989, Fax: 2672054

WEST BENGAL : Managing Director, West Bengal SC & STDev. Finance Corpn., 2nd floor, 135, A, Biplavi Rashbehari BasuRoad, Kolkata-700001. Ph: 033-2432099/2429381. Fax: 2428566.

ZONAL OFFICES OF NSTFDC :

1. National Scheduled Tribes Finance & DevelopmentCorporation, 103/79, Meera Marg, Mansoravar, Jaipur- 302020. Ph:/Fax: 0141 2780203

2. National Scheduled Tribes Finance & DevelopmentCorporation, South Block, C/o. Manipur Tribal Dev. Corpn.,Lamphelpat, Imphal - 795 004. Ph: 0385-241 0360

3. National Scheduled Tribes Finance & DevelopmentCorporation, 4th Floor, Telugu Samkshema Bhawan, MasabTank, Hyderabad- 500 028. Ph./Fax: 040 23396088

4. National Scheduled Tribes Finance & DevelopmentCorporation, 2nd floor, Rajeev Gandhi Bhawan Parisar, 2,35, Shyamala Hills, Bhopal-462 002. Ph: / Fax : 0755-2660456

Note : In Orissa, the Distr ict Manager, Or issa SC/ST FinanceDevelopment Corporation works as a nodal officer at district level. Theeligible candidate may contact him. Telephone Numbers of DM-OSFDChave been given at the end of this book.


B. NATIONAL SCHEDULED CASTES FINANCE &DEVELOPMENT CORPN. (NSFDC)

1. Introduction

Following bifurcation of the NSFDC, the existing NationalScheduled Castes Finance & Development Corporation is functioningexclusively for the development of the Scheduled Castes with effectfrom 10th April, 2001. NSFDC is registered under Section-25 (acompany not for profit) of the Companies Act, 1956. It is a fullyowned Government of India undertaking under the Ministry of SocialJustice & Empowerment. NSFDC is the apex organisation to financeincome generating ventures of SCs and to provide grant for skilldevelopment programs through State Channelising Agencies ( SCAs).The NSFDC have various schemes / loan lending programmes suchas Term Loan,Seed Capital Loan, Bridge Loan, Working Capital Loan,Micro Credit Finance Scheme, Mahila Samridihi Yojana etc. to BPLfamilies as well as APL families.


I. The beneficiary should be from Scheduled Castecommunity.

II. Annual family income of the beneficiary should notexceed double the poverty line income limit.(Not for allthe schemes.)

III. Partnership firms/cooperative societies/any other formof legal association are eligible to undertake incomegenerating activities subject to the following :

a) All the members should belong to SC community.

b) Annual family income of each member/applicantshould not exceed double the poverty line incomelimit.

3. REQUIRED DOCUMENTS :

a) Family Income Certificate issued by the competentauthority

b) Caste Certificate issued by competent authority.

c) Disability Cer tificate issued by Medical Board, ifbeneficiary is disabled.


d) Two recent photographs

e) Certificates/documents in proof of age, education,experience, residence etc.

f) Scheme / Project Report.

g) Any other document asked by channelising agency orfinancial institutes.

4. HOW TO APPLY :

The el igible beneficiary should apply through statechannelising agencies or their district level functionaries inprescribed application form along with required document.


Up to Rs.40.00 lakh per unit / profit centre.

6. MARGIN MONEY :

Promotor’s contribution is not insisted upon for scheme/project costing up to Rs.1.00 lakh. However, 2% to 30% MarginMoney is required for loan project costing above Rs.1.00 lakh.

7. REPAYMENT PERIOD :

Repayment period for each scheme/project is specified inthe sanction letter of SCAs. The loan normally is to be repaidwithin a maximum period of 10 years including moratorium period.(Except Bridge Loan).


The eligible applicant should contact to State ChannelisingAgencies listed below or their subordinate offices normally situatedat district level of their respective states/districts :

1. ANDHRA PRADESH : Managing Director, AP ScheduledCaste Coop. Finance Corpn. Ltd., Vth f loor, TeluguSamakshema Bhawan, Masab Tank, Hyderabad- 500028. Ph:040-23315970, 23321141. Fax: 23301420

2. ARUNACHAL PRADESH : Managing Director, ArunachalPradesh Industry & Finance Dev. Corpn., Itanagar, Near AOC,Pin: 791111. Ph: 0360-2212672, 2212673, 2211763. Fax:2212751.


3. ASSAM : Managing Director, Assam State DevelopmentCorpn. for SCs Ltd., Swahid Dillip Hozori Path, Saurmtoria,Dispur, Guwahati-781 006. Ph. 0361-2261617, 2263146.

4. BIHAR : Administrator, Bihar State SC CooperativeDevelopment Corpn. Ltd., West of Gandhi Maidan, 4th floor,Biskoman Tower, Patna-800001. Ph: 0612-2231672/74,Fax : 2231672

5. CHANDIGARH : Managing Director, Chandigarh SCs, BCsand Minorities Finance & Development Corpn. Ltd. , 3rd floor, Town Hall Building, Sector-17, Chandigarh. Ph: 0172-2707527, 2704676. Fax : 2708690

6. CHHATISGARH : Managing Director, Chhatisgarh State Coop.SCs Finance & Development Corpn., 68, Jal Vihar colony,Raipur- 492105. Ph: 0771-6066105. Fax : 6066105

7. DADRA & NAGAR HAVELI, DAMAN & DEU : Managing Director,Dadra & Nagar Haveli, Daman & Deu SCs, STs, other BCs &Minorities Financial & Dev. Corpn. Ltd., 2nd Floor, Right wing,old DIC office, PWD complex, Silvasa-396230. Ph: 0260-642006,642721, 250793, 250328. Fax : 2642340.

8. DELHI : Managing Director, SCs/STs/OBCs/Minorities &Handicapped Finance Dev. Corpn., 2, Battery Lane, RajpurRoad, Near Tirath Ram Hospital , Delhi - 110054.Ph : 011-23978975/23979068.

9. GOA : Managing Director, Goa State SCs & BCs DevelopmentCorpn., 4th floor, Pattore Centre, EDC complex, Near KTCBus stand, Panaji- 403001. Ph : 0832-2438177, 2438179.

10. GUJARAT : Managing Director, Gujarat SCs Dev. Corpn., Dr.Jivaraj Mehta Bhawan, Block No.10, 2nd floor, Sector-10, OldSachivalaya, Gandhinagar-382010. Ph: 07932-21328, Fax : 20653

11. HARYANA : Managing Director, Haryana SCs Finance & Dev.Corpn., SCo2425-26, Sector-22-C, Chandigarh-160022. Ph:0172-700436. Fax : 705619.

12. HIMACHAL PRADESH : Managing Director, Himachal PradeshSCs & STs Dev. Corpn., Jain Bhawan, Hospital Road, Solan-173212, Ph: 01792-20671, 20058. Fax: 20058

13. JHARKHAND : Managing Director, Jharkhand State TribalsCoop. Dev. Corpn., Balihar Road, Morabadi, Ranchi-834008.Ph: 065-2541398. Fax : 2541686.


14. JAMMU & KASHMIR : Managing Director, Jammu & KashmirSCs, STs & OBC Dev. Corpn., Ramesh Market, Shastri Nagar,Jammu-180004. Ph: 0191-433229, 452009. Fax : 343229.

15. KARNATAK : Managing Director, Karnataka SCs/STs Dev.Corpn. Ltd., 9th & 10th floor, Visweswaraih Mini Tower, Dr.Ambedkar Veedhi, Bangalore- 560001. Ph: 080-2867097,2865747. Fax : 2860396

16. KERALA : Managing Director, The Kerala State Dev. Corpn.for SCs & STs Ltd., Town Hall Road, Trichur-680020.Ph : 0487-331064, 331202. Fax: 331469.

17. MADHYA PRADESH : Managing Director, MP State Coop.SC Finance & Dev. Corpn., Rajivgandhi Bhawan, 35, SyamlaHil ls, Bhopal-462011. Ph: 0755-2661844, 2661794.Fax : 2661612* MP Hast Silp Evum Hast Kargha Vikas Nigam Ltd., HastSilp Bhawan, Hamidiya Road, Bhopal-462 001. Ph : 0755-2740155, 2740159. Fax : 2740691

18. MAHARASTRA : Managing Director, Mahatma Phula BCs Dev.Corpn. Ltd., Supreme Shopping Centre, Gulmohar Cross RoadNo.9, JVPD Scheme, Juhu, Mumbai-400049. Ph: 022-26200351,26202852. Fax: 26705173. «Managing Director, LokshahirAnnabjau Sathe Dev. Corpn. Ltd., Office Building No.7, PratichhaNagar, Mhada Flat, Sayan Koliwada, Andheri(West) Mumbai-400053. Ph : 28969114. Fax: 28961493. «Managing Director,Sant Rohidas Leather Industries & Charmakar Dev. Corpn. ,Bombay Life Building, 5th floor, 45, Veer Nariman Road,Mumbai-400001, Ph: 022-22044186. Fax : 22835881.

19. MANIPUR : Managing Director, Manipur Tribal Dev. Corpn.Ltd., Lamphelpat, Imphal-795004. Ph : 0385-2310293,2310452. «Manipur STs & SCs Coop. Dev. Bank Ltd., PaonaBazar, Imphal-795001.

20. MEGHALAYA : Managing Director, Meghalay Coop. ApexBank Ltd., MG Road, Kutcheri, Shillong- 793 001. Ph : 0364-224160. Fax : 222026

21. MIZORAM : Chairman, Mizoram Urban Coop. Dev. Bank Ltd.,Lawlsawmliani Bldg. (top floor), Zarkawat, Aizwal-796001. Ph:0389-2343475, 2346508. Fax: 2348132.*Chief ExecutiveOfficer, Mizoram Khadi & Village Industries Board, ‘Zorun’,Zarkawt, Aizwal-798007. Ph:0389- 234246. Fax : 2347587


22. ORISSA : Managing Director, Orissa SCs & STs Dev. &Finance Coop. Corpn. Ltd., Lewis Road, Bhubaneswar-751014. Ph: 0674-2431798, 2432949, 2431623. Fax : 2431798.

23. PONDICHERY : Managing Director, Pondichery Adi DravidarDev. Corpn. Ltd., No.23, Sitankudi Road, Opp. to JayaramKalyan Mandapam, Pondichery-655013. Ph : 0413-2241573,2242418. Fax : 2242418.

24. PUNJAB : Executive Director, Punjab Sch. Castes Land Dev.& Finance Corpn. , SCO No. 101- 102-103, Sector-17-C,Chandigarh-160017. Ph: 0172-724905, 702427, 703840.Fax : 724905, 702092.

25. RAJSTHAN : Managing Director, Rajsthan SCs & STs Finance& Dev. Coop. Corpn., Nehru Sahakar Bhawan, Central Block,3rd floor, Jaipur-302002. Ph: 0141-2740745, 2740544. Fax:2740800.

26. SIKKIM : Managing Director, Sikkim Scheduled Castes, Tribes& Backward classes Dev. Corpn. Ltd., Banupath, Gangtok-737 101. Ph: 0392-225310, 223261, 223456. Fax: 222287.

27. TAMILNADU : Managing Director, Tamil Nadu Adi DraviderHousing & Dev. Corpn. Ltd., Tamil Nadu Housing BoardShopping Complex, 2nd floor, Thirumangalam (Anna Nagar),Chennai-600 101. Ph : 044-26152052, 26152063. Fax:26154107.

28. TRIPURA : Managing Director, Tripura Scheduled CastesCoop. Dev. Corpn. Ltd., Krishna Nagar, PO: Lake Chomuhani,Agartala- 799 001. Ph: 0381-2226515. Fax: 2226543

29. UTTAR PRADESH : Managing Director, UP SCs Finance &Dev. Corpn. Ltd., B-912, Sector-C, Maha Nagar, Lucknow-226 006. Ph: 0522-2385085, 2384830, 2385347, 2386975.Fax: 2386989

30. UTTARANCHAL : Managing Director, UttaranchalBahuuddesiya Vitta Evum Vikas Nigam, Sector- 1C-10,Defence colony, Dehradun-248 001. Ph : 0135-2665601.

31. WEST BENGAL : Managing Director, West Bengal SCs &STs Dev. & Finance Corpn., 2nd floor, 135 A, BiplaviRasabehari Basu Road, Kolkata-700001. Ph : 033-2243099,22429381, 22428566. Fax: 22428566.


ZONAL OFFICES OF NSTFDC :

1. NSFDC, 5th floor, Main Tower, Visweswarraih Complex, Dr.B.R. Ambedkar Veedhi, Bangalore - 560001. Ph: 080-2865175.

2. NSFDC, New Market, Phase-1, 5th floor, 15-N, Nellie SenGupta Sarani, Kolkata. Ph. 033-2521395.

3. NSFDC, SCO-42, 2nd floor, Sector-20-C, Dakshin Marg,Chandigarh-160 020. Ph: 0172-704677

4. NSFDC, Survey Beltola, Samonwya Path, Guwahati- 781028. Ph: 0361-267676

5. NSFDC, B-2, SE 4th floor, PICUP Bhawan, Gomti Nagar,Lucknow-226016. Ph: 0522-2303013.

6. NSFDC, Oshiwara Mhada Complex Bldg. No.5, Flat No.4,New Link Road, Azad Nagar, PO : Andheri (West) Mumbai-400 053. Ph. 022-6361624.

7. NSFDC, Indra Bhawan, 2nd floor, Near Baily Road, Patna-800 001, Ph: 0612-235115


�Thanks to NHFDC, VRC & MVSN for timely financial support formy endeavour�

A successful NHFDC beneficary at his hardwareshop at Bhubaneswar.


C. NATIONAL SAFAI KARMCHARIS FINANCE &DEVELOPMENT CORPN. (NSKFDC)

1. Introduction

The Government of India, Ministry of Social Justice &Empowerment had established NSKFDC on 24th January, 1997 toprovide Term Loan to Safai Karmacharis including scavangers andtheir dependants, at concessional rate of interest for their socio-economic upliftment through alternative occcupation or own business.


I. Safai Karmcharis or scavangers or their dependantsduly identified under the National Scheme for Liberation& Rehabilitation of scavangers ( NSLRS) or in a survey.

II. The beneficiary should be a member of a registeredcooperative society of Safai Karmcharis or legallyconstituted association/firm promoted by the target group.

III. If a person from target group is not covered in the survey,he/she should produce a certificate from local RevenueOfficer/ Municipal Officer or Cantonment or RailwayOfficer, not below the rank of a Gazetted Officer.

3. DOCUMENT REQUIRED :

a Certificate from competent authority in proof of his/herclaim of Safai Karmachari/Scavanger or their dependent.

b. Certificate/document in proof of age, qualification,experience, nativity etc.

c. Disability certificate of Medical Board if beneficiary isdisabled.

d. Two recent passport size photographs.

e. Scheme / Project Report.

f. Any other document asked by the SCA or the financialinstitute.

4. HOW TO APPLY :

The eligible beneficiary should apply to SCA or theirsubordinate offices in prescribed application form along withrequired documents.



Up to Rs.10.00 lakh.

6. MARGIN MONEY :

The beneficiary is not to be insisted upon for project costingupto Rs.2.00 lakh. But for project costing more than Rs.2.00 lakh,the Margin Money from the beneficiary should be 5%.

7. REPAYMENT :

The entire loan shall be repaid within a reasonable period butnot exceeding 10 years including suitable moratorium period. TheMicro Credit Finance ( MCF) shall be repaid within three years.


The eligible applicants should contact the State ChannelisingAgencies listed below or their subordinate offices normally situatedat district headquarters :

1. ANDHRA PRADESH : Managing Director, Andhra PradeshSch. Caste Coop. Finance Corpn. Ltd., 5th floor, TeluguSamkshema Bhawan, Masab Tank, Hyderabad- 500 028. Ph:040-23315970, 23399836. Fax: 23301402.

2. ASSAM : The Managing Director, Assam State Dev. Corpn.for S.Cs Ltd., Swahid Dilip Hozori Path, Sarumtoria, Dispur,Guwahati-781 006. Ph: 0361-2261617, 2261796, 2267342.Fax : 2261617.

3. BIHAR : The Managing Director, Bihar State S.C. Coop. Dev.Corpn. Ltd., West of Gandhi Maidan, 4th floor, BiscomaumTower, Patna, Ph : 0612-2231672. Fax : 2231674.

4. CHANDIGARH : The Managing Director, Chandigarh SCs &Backward classes & Minorites Fin. Dev. Corpn. Ltd., 3rdfloor, Town Hall Extension Bldg., Sector-17, Chandigarh. Ph.0172708690. Fax : 704676

5. CHHATISGARH : The Managing Director, Chhatisgarh StateCoop. SC Finance & Dev. Corpn. Ltd., R-12, Anupam Nagar,Near TV Tower, Raipur. Ph. 0771-2221260. Fax: 25266105.

6. DELHI : The Managing Director, Delhi SC,ST, OBC, Minority,Physically Handicapped Finance & Dev. Corpn. Ltd., 2,


Battery Lane, Rajpur Road, Delhi- 110054. Ph: 011-27971841,23964566. Fax : 23964566

7. DAMAN DEU : The Managing Director, Dadar & Nagar HaveliSCs, STs, OBCs & Minorities Finance & Dev. Corpn. Ltd.,2nd floor, Right Wing, Old DIC office, PWD complex,Silvassa-396 230. Ph: 02638242721.

8. GOA : The Managing Director, Goa State SCs & Backwardclasses Finance & Dev. Corpn. 4th floor, Patto Centre, EDCcomplex, Near Kadamba Bus stand, Panaji, Goa-403 001.Ph. 0832-228172, 222340.

9. GUJARAT : The Managing Director, Gujarat Safai KamgarVikas Nigam, Block No.3, Ground floor, Sector-10, Dr. JeevrajMehta Bhawan, Gandhi Nagar-382 010. Ph. 0793-3235034,3237488. Fax : 322653, 3253244. «Managing Director, GujratSC Dev. Corpn., Block No.10, 2nd floor, Sector-10, Dr. JeevrajMehta Bhawan, Gandhinagar. Ph: 0793-3221328, 3253883.Fax: 3220653

10. HARYANA : Managing Director, Haryana Sch. Caste Finance& Dev. Corpn. Ltd. SCO, 24-25-26, Sector-22, Chandigarh.Ph: 0172-705619. Fax: 700224

11. HIMACHAL PRADESH : Managing Director, Himachal PradeshSC/ST Dev. Corpn., Jain Bhawan, Hospital Road, Solon-160022. Ph: 01792-223505, 2230671. Fax: 220058

12. JAMMU & KASHMIR : Manaigng Director, J&K Sch. Caste& Backward Classes Dev. Corpn., Ramesh Market, ShastriNagar, Jammu-180 004. Fax: 0191-2433229.

13. JHARKHAND : Managing Director, Jharkhand State TribalCoop. Dev. Corpn. Ltd., Balihar Road, Morabadi, Ranchi -834 008. Ph: 0651-2403765, 2541398. Fax: 240 3764

14. KARNATAK : Managing Director, Karnatak Sch. Caste & Sch.Tribe Dev. Corpn., 9th & 10th floor, Visweswaraih Mini Tower,Dr. Ambedkar Veedi, Bangalore-560001. Ph: 080-2868097,2865401, 2868870, 2865197, 2867097. Fax: 2860396.

15. KERALA : Managing Director, Kerala State Dev. Corpn. forSC/ST Ltd., Town Hall Road, Thrisur, 680 020. Ph: 0487-2331469, 2331064. Fax: 2331469.


16. MADHYA PRADESH : Managing Director, Madhya PradeshState Coop. Sch. Castes Fin. & Dev. Corpn., Rajeev GandhiBhawan, 35, Shyamla Hills, Bhopal-462 002. Ph: 0755-2661744, 2661844, 2551841. Fax: 2661612.

17. MAHARASTRA : Managing Director, Mahatma PhuleBackward Class Dev. Corpn. Ltd., Gulmohar Cross RoadNo.9, JVPD Scheme, Juhu, Mumbai-400049. Ph:02226202852, 26200351, 22024243. Fax: 26705173.

18. MANIPUR : Managing Director, Manipur Tribal Dev. Corpn.Ltd., Lamphelpat, Imphal- 795 004. Ph: 0385-2310293,2221696. Fax: 2310452.

19. MEGHALAYA : Managing Director, Meghalaya Urban Dev.Agency, Raitong Bldg., Shillong, Ph: 0364-2225297, 2224702,2224801, 2223578

20. MIZORAM : Managing Director, Mizoram Urban Coop. Dev.Bank Ltd., Lalsawmilani Bldg., Top floor, Aizwal-796 001.Ph: 03892346508. Fax: 23438632.

21. ORISSA : Managing Director, Orissa Sch. Caste & Sch.Tr ibes Dev. & Fin. Coop. Corpn. Ltd., Lewis Road,Bhubaneswar-751 014. Ph: 06742431623, 2432107, 2432949.Fax: 2431786

22. PUNJAB : Managing Director, Punjab SC Land Dev. & Corpn.Ltd., SCO No.10, 102, 103, Sector-17-C, Chandigarh-160017. Ph: 0172-2702427, 2702587, 2702535, 2707992,2703533. Fax: 272 4905

23. PONDICHERY : Managing Director, Pondichery Adi DravidDev. Corpn. Ltd., Sitan Kudi Road, Opp. Jayram KalyanMandapam, Pondichery-605013. Ph: 0413-2244629, 2241573.Fax: 2242418.

24. SIKKIM : Managing Director, Sikkim Sch. Caste , Sch. Tribe& Other Backward classes Dev. Corpn. Ltd., Bhanupath Road,Gangtok. Ph: 0359229430.

20. RAJSTHAN : Managing Director, Rajsthan SC/ST Dev. Coop.Corpn. Ltd., Nehru Sahakar Bhawan, Central Block, 3rd floor,Bhawanisingh Road, Jaipur-302 002. Ph: 0141-2740544,2740745, 2740833. Fax: 2740880


21. TAMIL NADU : The Managing Director, Adi Dravidar Housingand Dev. Corpn. Ltd., Tamil Nadu Housing Board Shoppingcomplex, 2nd floor, Thirumangalam(Anna Nagar) Chennai-600 101. Ph : 044-26152052. Fax : 26154107.

22. TRIPURA : Managing Director, Tripura Sch. Caste Coop. Dev.Corpn. Ltd., Supari Bagan, Krishna Nagar, Po: LakeChowmani, West Tripura, Agartala- 799 001. Ph: 0381-2226543, 2226515. Fax : 2226543.

23. UTTAR PRADESH : Managing Director, UP Sch. CastesFinance & Dev. Corpn., B-912, Sector-C, Mahanagar, Lucknow-226 006. Ph: 0522-2385085, 2385347. Fax: 2386989.

24. UTTARANCHAL : Managing Director, UttaranchalBahuudheshiya Vitta Evam Vikas Nigam, 1-C-10, DefenceColony, Dehradun. Ph: 0135-2652458. Fax: 2652577.

25. WEST BENGAL : Managing Director, West Bengal SC & STDev. & Finance Corpn., 2nd floor, 135-A, Biplavi RasbehariBasu Road, Kolkata- 700001. Ph: 0332243099, 22429381,22428566. Fax : 2228566.


�Look at the Abilities Not the disabilities.�


Chapter-12

ALLOTMENT OF PETROLEUM PRODUCTSDEALERSHIP

A. Introduction

Govt. of India, Ministry of Petroleum and Natural Gas hasprovided 7.5% reservation for PWDs in all types of dealership ofpetroleum products such as petrol/diesel pumps, LPG distributionetc. of public sector companies. In addition to this, 7.5% reservationhas been earmarked for defence personnel and those severelydisabled either in war or while on duty in peace time.

2. WHO ARE ELIGIBLE

(a) PWDs (Visually Handicapped, Hearing Handicapped,Locomotor Handicapped) having more than 40%disability.

(b) He/she should be Indian, resident of that district forwhich dealership to be allotted/earmarked.

(c) Education : Minimum Class-X pass.

(d) Age : Between 21 to 40 years.

(e) Income : Family income should not exceed Rs.50,000/-(Rs. Fifty thousand) per annum

(f) Such dealership should have not been allotted to anyclose relative (parents/ husband/ wife/ son/daughter).


(a) Residence certificate issued by competent authority.

(b) Income certificate issued by competent authority.

(c) Certificate of proof of age & education, caste, nativityetc.

(d) Documents related to land/space in which agency willbe started & photographs.

(e) Disability Certificate issued by District Medical Board

(f) Any other document asked by public sector oil companyin advertisement.


4. HOW TO APPLY

The public sector companies (Indian Oil Corpn., HindustanPetroleum, Bharat Petroleum etc.) give open advertisement inregional/national dailies with details. The eligible PWDs shouldapply accordingly in given format along with required documents.

5. WHOM TO CONTACT

The public sector oil companies (IOC, HP, BP etc.) as peradvertisement.

6. REFERENCE

D.O. No.19011/16/89-11 D.C./43/08. dtd. 9.8.1989 of Petroleum& Natural Gas Ministry.

�I am blind but I can visualiseDo you have this ability.?�

Shri Pabitra Mohan Sahoo, a blind L.P.G. dealer at his work.


Chapter-13

ALLOTMENT OF STD/PCOs

1. Introduction

Rapid growth of telecommunication has made entire world asmall village. The Bharat Sanchar Nigam Ltd. and MTNL providesup to 5% STD/PCO/ISD capacity of the exchange lines tounemployed youth including PWDs. The PWDs are being giventop priority in allotment. The other terms & conditions are same,as for the non-disabled applicants. It has become better incomegeneration option, especially in urban areas where many PWDsare earning their livelihood by this venture.

2. WHO ARE ELIGIBLE

(a) Unemployed persons with disabilities.

(b) Age : Adult in working age.

(c) Qualification : Urban — Minimum Matric PassRural — Minimum 8th pass


(a) Disability Certificate issued by Medical Board.

(b) Certificate in proof of age and education, caste etc.

(c) Unemployment certificate & Location map.

(d) Photographs and rent agreement with house owner.

(e) Any other document asked by Telecom authorities.

4. HOW TO APPLY

The eligible PWDs should apply to District Telecom Manager inprescribed form, available with BSNL, along with required documents.

5. WHOM TO CONTACT

The District Telecom Manager, BSNL of concerned district.

6. REFERENCE

Government of India, Ministry of Communication, Departmentof Telecommunications letter No.31-13/91-PHB, dated 4.7.1993.


Chapter-14

MINI SELF-EMPLOYMENT SCHEME (MSES)

1. Introduction

This scheme is true example of “less investment and moreprofit”. The sample test of MSES reveals that one can earnimmediately Rs. 50 to Rs. 100 per day with very less investmentranging from Rs. 1000 to Rs. 5000/- only. While selecting PWDsSocio-Economic background, skill, experience, interest, familysupport etc. should be assessed. Extensive follow up strategiesshould be planned, interaction with police/ NAC personnel &business neighbours should be made. The NGOs should take leadrole to promote & popularise MSES.

2. Objectives

1. To arrange livelihood for poor PWDs who are in needof money immediately & channelise them into self-employment esteem.

2. To involve community, philanthropists, NGOs serviceclubs in a befitting manner.

3. Justification

The existence and continuation of this scheme is fully justifiedas it channelises the poor, unemployed PWDs into gainful activitiesto fulfill their urgent financial need with less investment andmakes them earning member of the society.

4. Financial Resources

Since the livelihood of PWDs has to be arranged urgently soself finance or donations in form of self- employment kits throughservice clubs, philanthropists, community, public sectors, funding agencies, NGOs etc. may be arranged. Donations in cash shouldbe avoided.

5. Time schedule

With in a week.

6. Orientation/motivation12-15 hours in 3-4 days.


7. Selection criteria

The PWDs should have :

1. Poor Socio -Economic background

2. Urgent need of earning livelihood and deepest sense ofeconomic independence through small venture.

The Self Employment venture should be chosen accordingto interest, aptitude, ability, local need and socio-economicbackground of PWDs.

8. Follow up

Initially PWDs may face complex problems (police, NAC,surrounding bussiness friends). On the other hand the client mayhave personality problems such as lack of confidence, inferioritycomplex, hesitation etc. so it needs extensive follow-up initially (15daily visits, 15 alternative day visits, few weekly and monthly visits).

9. Limitation

The few limitations of MSES are :Very limited coverage,basically urban based, time constraints for follow-up, unwillingnessof PWDs.

Venture Investment in Rs. Suggestive Places SuitablePWDs

1. Cobbler. 1000/- Bus stand, Rai lway stat ion Market, Residential Areas /trains HH/OH/MR

2. Barber. 5000/- Near-courts, Bus stands, HH/OHRai lway stat ions. s lums,Residential Areas, Hotels.

3. Cloth Ironing 3000/- Residential Complexes, HH/OH/MRHostel, Hotels.

4. Domestic 5000/- Resident ial Complexes/ OH/PHHappliances Repairing Markets/mobi le.

5. Chair Canning 1200/- Visit ing off ices, VH/OH/HHResident ial Complexes.

6. Commercial Art. 4000/- RTO Office, Markets, HH/OHMain Roads/squares.

(Visit institutes, Public sector& Govt. Offices)

7. Photo Framing. 5000/- Markets, Public&tourist places. HH/OH/MR

8. Stitching & 5000/- Neare-Garage, Auto agencies, HH/OH/MRRepair ing of covers. Automobile shops.

Main road side, RTO Office.


9. Vegetable selling 4000/- Mobile, Hat, Vegetable markets. HH/OH/LV/MR.Road side/squares& vehicle stops.

10. Betel Stall. 2000/- Public places, Bus stands & OH/HH/VH/MR.stops, Railway stat ions. Near the

restaurants/Hotels/Offices & Industries.

11. F ish/Chicken/ 3000/- Mobile, Road side,Hats, f ish markets OH/HH.Mutton sell ing.

12. Puffed Rice. 1000/- Mobile, visit Residential OH/MR.areas, Complexes.

13. Fruits Seller. 5000/- Road side, Markets, HH/OH/LV/MR.Public places, Bus stands.

Railway stations, tourist places.

14. Sharpening of 3000/- Visit residential areas, DH/MR/PHH.kn ives/Sc issors . Barber shops.

15. Tea-snacks Stal l . 5000/- Market places, Institutional OH/HH/VH/MR.& Industrial areas. Bus stands,Rai lway stat ions,trains,hostels.

16. Two-whee ler 5000/- Road sides, HH/OHRepair ing. Near Residential Complexes.

17. Fast food Stall. 5000/- Markets, Institutional & Industrial HH/OH/MR.areas, Hostels, Bus stands, Rai lway

stations, residential areas, Tourist places.

18. Fruit Juice Stall. 5000/- Markets, Institutional and HH/OH/VH/MR.Industrial areas, Hostels, Bus stands,

Railway stations residential areas,Tourist Places.

19. Rickshaw Pul l ing. 4500/- Bus stands, Rai lway stat ions, Markets. HH/OH.Main roads chhaks, Tourist places.

20. Flor ists. 4000/- Near Marriage Mandaps,Religious places, Main roads.

21. Selling of 3000/- Religious places, Markets. OH/MR/LV/HHpuja i tems.

22. Sell of Cheese 1000/- Hats, Markets, Main chhaks. OH/VH/HH/MR.(Chhana).

23. Domestic Usable 4000/- Hats, Markets. OH./MR/LV/HHPlastic i tems.

24. Sugarcane Juice. 5000/- Road side, Institutional and OH/HH/VH/MR.Industrial Areas.

25. Ghughuni Sell ing. Rs1200/- Market places/Hats/trains. OH/HH/VH/MR.

HH- Hearing HandicappedLH- Locomotor HandicappedVH-Visually HandicappedLV- Low vis ion

-MR-Means mild mentally retarded, having vocational skill.-Hearing Handicapped may display rate chart & items list.-PWDs may require family support, extend your support.

Venture Investment in Rs. Suggestive Places SuitablePWDs


Chapter-15

OTHER SELF-EMPLOYMENT AVENUES

1. VEHICLE STANDS

Municipal Corporation/Municipalities/NACs and Railwayauthorities, auction the vehicle stands/parking places. The PWDsmay apply for the same to concerned authorities. The concernedauthorities should consider the PWDs on top priority basis. It maybe given either to individual PWD or a group of PWDs consideringthe volume of work.

2. SHOE STANDS

There are shoe stands at religious places, hospitals etc.The PWDs may approach to concerned authorities with a requestto allot shoe stands to them and such authorities are requestedto consider the applications of PWDs on priority basis.

3. APOLOFED/MILK SOCIETIES/FOOD PARLOURS

Allotment of APOLOFED/MILK SOCIETIES/FOODPARLOURS basically in urban areas is good earning venture. ThePWDs are advised to apply to APOLOFED/OMFED authorities forallotment of booths.

4. GOVERNMENT CONTROL SHOP (RATION SHOP)

Govt. of Orissa, Department of Civil Supply has keptreservation in allotment of Govt. Control shop which have someassured income depending on the local demand, number ofcustomers. The PWDs may apply to concerned Department ortheir subordinate office at district level. 79 such shops are allottedto people. Likewise other state Governments also providepreference and reservations.

5. SCHEMES FOR PREFERENTIAL ALLOTMENT

The development authorities, housing board, local bodies/authorities etc. construct shopping complexes, kiosks. Section-43of PWD Act, 1995 says – ‘The appropriate Government and localauthorities shall by notification, form schemes in favour of PWDsfor the preferential allotment of land at concessional rates forsetting up business establishment or factories by entrepreneurs


with disabilities. The PWDs may take advantage of the Actprovision for getting allotment of land/shop/kiosk.

6. Self Help Groups (SHGs)

SHG movement has now been become an effective strategyfor poverty alleviation. This approach has become a prominentelement of social mobilization. SHG is a voluntarily formed groupcomprising of 10-20 adult members, to address their commonissues. In case of disabled, the SHGs can be formed with 5members. Many Exclusive SHGs possibly can not be formedbecause of many reasons but inclusion of PWDs in normal groupis very much possible. The SHGs are encouraged for saving withinthe range of Rs. 20 to Rs. 100/- and they rotate this commonpooled resource within its members on minimum rate of interest.Each group usually has a leader called the President/Secretary.These leaders maintain the record of transactions, meetings etcand initiate steps for grading and financial linkages. As per PWDACT, 1995; 3% reservation has been kept for PWDs under povertyalleviation programme. The SHGs of PWDs may be linked withGovernment schemes such as NHFDC SGSY, Mission Shakti &financial institutes like NABARD. Some funding agencies likeCASHE, CARE, BASIX, Action Aid etc. are also supporting SHGs.Identification of feasible and viable venture, long term market,linkages, quality product and competative rates are the key factorsof success of SHGs.

Definition : "Self Help Group is a voluntarily formed group,comprising 10-20 members, residing in the samelocality".

Objectives of SHGs

The main objectives are : Socio-Economic empowerment,easy access to financial services, enhancing collective bargainingpower, self-reliance, social awareness and getting rid of the clutchesof Sahukars.

Who can promote SHGs ?

i. The group itself

ii. Government agencies


iii. NGOs

iv. Banks

How to form an SHG

Pre-formation Stage

Understand and gather information about people, environment,life-style, socio-economic status, earning options etc. Call PWDsin an informal meeting for interaction. Initiate discussion on issues,gradually suggest idea of SHGs, narrate advantages throughsuccess stories, do not make undesired commitments, establishrapport to win their confidence, motivate them to buy the idea offorming SHG.

Formation Stage :

Call the PWDs, agreed to form SHG. Explain basic guidelinessuch as criteria for membership, saving, loans, rate of interest,penalty for non-attendance of meeting, role and responsibilities. Ifgroup agrees on the aforesaid points, then elect 2-3 leaders in ademocratic way, and ensure rotation of leadership . Initiate processas follows :

i. Call meeting at regular intervals [fortnight/monthly] to discussproblems, issues of common welfare, activities such asincome generating, capacity building, skill development andrecord minutes of each meeting in meeting book. Ensurethat each member participates in discussion.

ii. Collect monthly amount within the range of Rs.20/- toRs.100/- or as decided by group and rotate this commonpooled resource among its members. Maintain transparencyin recording of inflow and outflow of funds.

iii. Pass a resolution to open saving account in the name ofSHG which will be operated by 2 or 3 authorised persons.Rotate the fund through this account. Keep small hand balancefor urgent needs. The interest rate should be same for allmembers and loan should be given to member for productiveand consumption needs, on interest as decided by members.

Credit linkage :

Self Help Group may be linked with Government schemessuch as SGSY, NHFDC, SC/ST Finance Corporation, R.M.K.,financial institutes like NABARD, SBI, funding agencies like


CASHE, CARE, BASIX, Action Aid India etc. There are two typesof linkage.

l Direct Linkage : Funding/Financial Institute® SHG Members

l Indirect Linkage : Funding/Financial Institute® NGO ® SHG® Members

Eligibility Criteria for linkage

Active existence for more than six months having SavingAccount, Regular thrift, meeting, on lending of loan to members,evidence of transparent record maintenance.

Quantum of Bank loan Repaymentl Group fund to bank loan in a ratio of 1:2 to 1:4. In deserving

cases beyond 1:4. The loan should be repaid in monthly orquar ter ly instalments; normally maximum period notexceeding three years with reasonable moratorium period.

l Loan upto Rs. 5 Lakh for NGOs and Rs. 25,000/- perbeneficiary is available under NHFDC scheme.

Components of SHG FundSaving, interest, penalties/fines, group profit and grant

received (balance in SB A/c + Hand Balance + Loan to members+ Investment)

Formalities for LinkageThe eligible SHGs should pass a resolution to avail loan.

The kind of documents and formalities to be observed differ fromone supporting institute to other. The SHG should obtain linkageguideline from concerned supporting funding institute.

Whom to contact

For further detail contact :l Child Development Programme Officer [CDPO]

l Nearest Bank, District Lead Bank Manager

l NGOs, assisting Self-Help Groups

l District Social Welfare Officer [DSWO]

l The Director, Mission Shakti, A-30, Bhauma Nagar, Unit-IV,Bhubaneswar-751 001. Ph: 0674-2502245/2502254/2502255.Fax: 2502255


Chapter-16

INNOVATIVE INITIATIVES

1. ALIMCO, a unique initiative of corporate world

Under the dynamic initiative and guidance of Smt. JayatiChandra, IAS, Joint Secretary to Government of India, Ministry ofSocial Justice & Empowerment, the ALIMCO, Kanpur (UP) hasset up a unique example before corporate world by setting up sixnos. of ALIMCO ancilliary units for persons with disabilities. Atripartite agreement is signed between PWD entrepreneur, ALIMCOand NHFDC. The ALIMCO provides training, technical support forsetting up ALIMCO ancilliary unit, raw-material, marketing offinished product and timely repayment of NHFDC loan. The NHFDCprovides financial support and PWD entrepreneurs manage theproduction unit. Initially, six PWDs have been placed successfullyand earning net profit of Rs.3500 to Rs.5000 per month. Thismulti-sectorial initiative is economically viable and feasible. Thecorporate world both, private and public sector should come forwardin similar true spirit, so that many PWD entrepreneurs may setup ancilliary units of corporate sector which will go a long way inempowering and mainstreaming the PWDs.

2. ‘ASHALOK’-- Launderette scheme of Governmentof Orissa

The Women & Child Development Department, Governmentof Orissa has launched a unique launderette scheme ‘ASHALOK’for economic empowerment of women with disabilities (WWDs). Adozen of WWDs already have started their laundries in workingwomen / girls’ hostel. ‘ASHALOK’ is a true example of multi-sectorial collaboration. The entire program is implemented/monitoredby W&CD Department, Govt. of Orissa. NHFDC provides loans forsetting up launderette. Petroleum Conservation ResearchAssociation (PCRA) provides 50% grant of NHFDC loan. The hostelauthorities provide a suitable room / accommodation in hostel forsetting up laundry and VRC for Handicapped extends technicalsuppor t in form of submission/ selection and training ofbeneficiaries. ‘ASHALOK’ scheme ensures safety, security ofWWDs and assured handsome income. The project cost of eachunit is less than half lakh and a WWD can earn Rs.2000-5000 ina month. The other states / union territories may initiate similar


ventures in their respective states for PWDs.

3. COOPERATIVE SOCIETIES -- VRC, TRIVENDRUM

There are example of success and failure in cooperativesector. But example of cooperative society of PWDs, supportedby VRC, Trivendrum is feasible and economically viable examplein which hundreds of PWDs have been working and earning theirlivelihood since last one and half decade.

4. AGENTSHIP

The Insurance Companies have employed PWDs as agents.The educated dynamic PWDs should explore their careerpossibilities as Agent in private and public sector insurancecompanies. The scope and future in public and private insurancecompanies, financial institutes etc. is reasonably, comparativelybright. Besides this, the PWDs should explore their careerprospects as commission agents too.

Launderette project �ASHALOK� for women with disabilities.Dr. S .B. Agnihotri, IAS Commissioner cum Secretar y, W&CD &

Smt. Aparajita Sarangi, IAS Director,Social Welfare in a Launderette training programme. (2004)


Chapter-17

RURAL DEVELOPMENT ANDSELF-EMPLOYMENT TRAINING INSTITUTE (RUDSETI)

The Rural Development & Self-Employment Training (RUDSET)was established in 1982 at Ujire, in Karnataka with sponsoringsuppor t of two public sector banks and Sri DharmasthalaManjunatheswara Educational (SDME) Trust. The institute havebeen receiving grant from NABARD, SIDBI and Govt. of Karnatak.The main objective of RUDSETI is to transform rural youth toacquire a productive identity through short duration interventions,which include motivation and training.

There are 20 such institutes operating in 11 states of thecountry. Each institute offers needbased and location specifictraining in 50 different types of programs with duration of 1-8weeks. The institute caters to youth in the age group of 18-35years. The basic education is desirable , preferably upto Xth class.The facilities are provided free of cost to the trainees.

The trainees are expected to reside at the Institue, whichincreases their self-confidence and developes their ability ininteractions with batch-mates. The RUDSETI has imparted trainingto 1,16,000 youth (20% SC/ST, 34% Other Backward Classes) outof which over 76,000 (2004) have been gainfully employed. TheInstitute gives priority to weaker section of society including PWDs.The unique innovative initiative taken by the RUDSETI isintroduction of RUDSETI Bazar to support trainees by providingthem with marketing outlets at various fairs for their products.The PWDs may contact to these institutes at the following places :

State / Institute Phone Area of operation / District

KARNATAK

1. Siddavana 08256-2306233(O)/ Dakshina Karnada,Ujire-574240 2306404 (R), Goorg, Hassan &D. Kannada 2306485(R) Chikmaglur

2. Gandhinagar 0836-2464496(O)/ Dharwad, Gadag, Haven,Dharwad- 580 004 2461141(R), Raichur, Belgaum & Koppal

250 518 (R)

3. No.52 Heroor Brahma- 0820-2563455(O)/ Udupi, Uttara Kannadavara, Udupi-576 213 2563699(R) & Shimoga

2565552(R)


4. Banshankari Layout 08194-2423505(O)/ Chitradurga, Davangere, BellaryN.H.4, Kelagote, 2427682(R) & TumkurChitradurga-577 501. 2420663(R)/

5. Main Road Hinkal 0821-2519663(O)/ Mysore, Chamarajnagar & MandyaMysore-570 017 2304716 / 2567070(R)

6. Raghavendra colony, 0835-2276245(O)/ Bijapur, Bagalkot & GulbargBijapur-586 101 2262131(R),2276818(R)

7. Arasinakumte, 080-7723166(O)/ Bangalore Urban District,Nelamangala-562 123 3421432(R) Bangalore Rural Dist. &

part of Tumkur dist.

UTTAR PRADESH

8. S.B.185, Shastrinagar 0120-2781785(O)/ Ghaziabad, Moradabad, Meerut &Ghaziabad-201002 2769354(R)/ Bulandsahar, Gautam Buddh

2767446 (R) Nagar, Jyotibaphule Nagar,Baghpat dist.

9. Kiran Colony, Patholi, 0562-2777065(O)/ Agra, Aligarh, Etah, Firozabad,Sikri Road, Agra-282001 2582076 (R) Hathras & Mathura.

KERALA

10. KP.VI, 159 Kannapuram 04972-2860573 (O)/ Kannur, Kasargad & WynadPo:Cherukunu-670 301 2815233 (R)(Kannur)

MAHARASTRA

11. Varale Road, Talegaon 02114-225504)O)/ Pune, Satara & AhmednagarDabhade-410 507 229402(R)Pune dist. 226290 (R)

TAMILNADU

12. Perangudi, Airport Road 0452-2690609(O)/ Madurai, Anna, Kamrajar &Madurai-625022 2380825(R) Coimbatore.

2694666 (R)

HARYANA & DELHI

13. ML Complex, Dhanwapur 0124-2255709(O)/ Gurgaon, Rewari, Mahendragarh,Road, Dist. Laxmanvihar 2391357(R) Panipat, Faridabad & KamalGurgaon-122 001 2304144(R) of Haryana & South-West Delhi.



ANDHRA PRADESH

14. Mandal Praja Parisat 08594-46430(O)/ Prakasam, Nellore & GunturComplex, Vetpalam- 36247(R)/36816 (R)523187, Prakasam dist.

15. D. No.1-688, Bypass 08554-278925(O)/ Anantpur, Guddapah & KurnulRoad, Rudrampeta, 224925(R) / 233 737Anantpur-515 004

RAJSTHAN

16. Plot No.137-138, Ganga 0141-2352220(O)/ Jaipur, Ajmer, Sikar & DausaSagar Scheme(B), Vaishali2390225(R)Nagar, Jaipur- 302021

ORISSA

17. 356P, Opp. Jagannath 0674-2470644(O)/ Khurda, Cuttack, Puri, NayagarhTemple, Po: Aiginia, 2471315(R)/ JagatsinghpurKhandagiri, 2563262 (R)Bhubaneswar-751019

PUNJAB

18. Soundh Complex, Attwal 0181-2453749(O)/ Jalandhar, Kapurthala, HosiarpurColony, Cantt. Road, 2465160(R) Nawanshar.Jalandhar-144005 2414483 (R)

MADHYA PRADESH

19. C-2, Vidya Nagar 0755-2488963(O)/ Bhopal, Hoshangabad, Vidisha,Hosangabad Road, 2465160(R) Rasew, Sehore, RajgarhBhopal-462026

GUJARAT

20. No. 2B, Yagnakhand 0268-2563051(O)/ Kheda, Anand, VadodaraSantram Mandir,Nadiad- 6763885(R) & Ahmedabd387001, Kheda District.


�Less investment, more yield�Mr. Subhash Chandra Sahoo at hisbetelshop (PPRP-both lower limb)rehabilitated by VRC, Bhubaneswar

through self employment kit donatedby Marwari Yuba Manch

Bhubaneswar (2003).


Chapter-18

TECHNICAL & VOCATIONAL EDUCATION OFMHRD FOR PWDS

Ministry of Human Resources & Development, Governmentof India has started vocational training (formal/non-formal) through50 Polytechnic across the country. The training is imparted free ofcost with scholarship of Rs.250/- per month, mid-day meal/tool kitallowance, transport allowance free hostel, and boarding charges@ Rs. 1000/- per month, etc. at the end of the training.The schemeproposes 25 students through 3 year Diploma programs and 100PWDs through vocational/skill development program (duration : 3-6 months) every year in each of 50 Polytechnics. It means 1250PWDs through Diploma Program and 5000 PWDs throughvocational / skill development program will be trained every year.The VRCs will issue the ‘Vocational Evaluation Certificate to eligiblePWDs. The PWDs or their parents may contact nearest VRC orPolytechnic, listed below along with certificate of birth, education,disability, two photographs and Vocational Evaluation Certificateof VRC.

NORTHERN REGION :

1. Central Polytechnic, Sector-26, Chandigarh-160 019

2. Govt. Institute of Engineering & Technology, Hissar-125 001(Haryana)

3. Govt. Polytechnic, Sirsa (Haryana)

4. Kashmir Govt. Polytechnic Gogji Bagh, Srinagar- 190 008

5. Govt. Polytechnic , Bikram Chowk, Jammu Tawi- 180 004

6. Sant Langowal Institute of Engg. & Technology, Longowal village, Dist:Sangrur-148 106 (Punjab)

7. Govt. Polytechnic College, Jodhpur (Rajsthan)

8. Govt. Polytechnic College, Ajmer-305 001(Rajsthan)

9. Govt. Residential Women Polytechnic college, Residency Road, Jodhpur,Rajsthan

10. KL Polytechnic, Roorkee Dist. Hardwar(Uttaranchal)-247 667

11. Govt. Polytechnic, Jhansi-284 003 (UP)


12. Govt. Women Polytechnic, Moradabad-244 001. (UP)

13. Govt. Polytechnic, Sundernagar, Disdt: Mandi(Himachalpradesh)-174401

14. Aryabhatt Polytechnic, GT Karna Road, Delhi

15. BPS Mahila Polytechnic, Khanpur, Kalan, Sonepat (Haryana)

WESTERN REGION :

16. Govt. Polytechnic, Panaji, Goa-403 001

17. Sri Bhavsinghji Polytechnic Institute, Vidya Nagar, Bhavnagar-364 002(Gujarat)

18. Govt. Polytechnic, Ahmedabad-380 015 (Gujarat)

19. Dr. S&SS Gandhi College of Engg. & Technology, Surat (Gujarat)

20. Govt. Polytechnic, Jabalpur-482 001 (MP)

21. SV Govt. Polytechnic, Bhopal-462 002 (MP)

22. Govt. Women�s Polytechnic, Gwalior-474 005 (MP)

23. Govt. Polytechnic, Pune-411 016 (Maharastra)

24. Govt. Polytechnic, Mumbai-400051 (Maharastra)

25. Maharastra State Hotel Management & Catering Tech. Instt., Pune(Maharastra)

26. Govt. Polytechnic, Vidyan Nagar, Kolhapur-416 004 (Maharastra)

27. Govt. Polytechnic for Girls, Opp. Physical Research Laboratory,Ahmedabad-380 015 (Gujarat)

28. Govt. Women Polytechnic, Dharampur-2, Jagdalpur -494 005 , dist: Bastar(Chhatisgarh)

29. Govt. Polytechnic, akhatpur (Chhatisgarh)

SOUTHERN REGION :

30. Govt. Polytechnic, Near Chenamma Circle, Kakties Road, Belgam(Karnatak) 590 002

31. Govt. Women�s Polytechnic, Bondel, Mangalore-575 008 (Karnatak)

32. Smt.L.V. Govt. Polytechnic, B.M. Road, Hasan-573 201 (Karnatak)

33. Govt. Polytechnic, Kottayam (Kerala)

34. Sriram Polytechnic, Thriprayar (Kerala)


35. Dr. Dharamambal Govt. Polytechnic for Women, Taramani, Chennai-600 113

36. Arasan Ganesan Polytechnic, Post Bag No.27, Sivkasi-626 123 (TN)

37. Govt. Polytechnic for Women, Bharathiar Road, Coimbatoe-641 044 (TN)

38. Women�s Polytechnic, Vawspet (Pondichery)

EASTERN REGION :

39. Assam Engineering Instt., Guwahati (Assam)

40. Polytechnic Institute, Narisingarh, Po: Agartala (Tripura)

41. North Calcutta Polytechnic, 15, Govind Mandal Lane, Kolkata(WB)

42. Birla Institute of Technology, 56 BT Road, Kolkata (WB)

43. Regional Institute of Painting Technology, Raja Subodh Mullick Road, Kolkata

44. New Govt. Polytechnic, Patna (Bihar)

45. Govt. Polytechnic, Gopalganj (Bihar)

46. Govt. Polytechnic, Saharsa (Bihar)

47. Women Polytechnic, Chandrasekharpur-751 015, Bhubaneswar

48. Bhubanananda Orissa School of Engineering, Cuttack (Orissa)

49. Women�s Polytechnic, Berhampur (Orissa)-760 010

50. Govt. Women�s Polytechnic, Bokaro (Jharkhand)

�There is no disabilityOnly disability is closed mind.

Convert disabilities into abilities�


Chapter-19

INDICATIVE LIST OF SELF-EMPLOYMENT VENTURES

This is illustrative; not exhaustive; list of few activities inservice, business, and production sector, best suited to disabledand area (rural/urban/semi-urban) depending upon demand & supplyposition, location, investment, skill and infrastructure facilities etc.It is well established fact that if ‘selective placement’ techniquesare applied while placing the PWDs, they may show their optimumefficiency. On the other hand, PWDs need human support too;because of limited psycho-motor functions, vision, hearing, speechand intellectual capabilities. The parents, guardians, peer group,relatives and community at large, should assist the PWDs inthose activities which can not be performed by PWDs as andwhen required and requested. In remaining areas, PWDentrepreneurs should be allowed and encouraged to complete thebusiness related task by optimum utilization of their residual ability,so that they can gain confidence, strong will-power, sense ofconfidence of independent working and importance of self earning.The PWDs are advised neither to be overconfident nor tounderestimate themselves. The PWDs should try to complete thebusiness tasks independently as much as possible. They shouldnot hesitate too, in requesting parents/guardians/relatives andcommunity for helping in completing those tasks, which can notbe completed by them, because of restrictions/limitations imposedon them, due to impairment and disability.

While selecting any activity/business, the PWDs and theirguardians/parents should keep in mind ‘Essential Physical andIntellectual requirement’ of choosen activity/business. For example :vision is required for running STD/PCO but it is not essentialphysical requirement. The essential physical requirement meansthat choosen/given task/activity compulsory needed involvementof one or combinations of more than one physical/intellectualactivities such as manipulating (with fingers), pulling, pushing,lifting, kneeling, crouching, bending, sitting, standing, walking,seeing, speaking, hearing, reading, writing etc.

The codes, used for categories of PWDs and Area, aregiven below :


CATEGORIES OF PWDs & Area Code

LV – Low Vision

VH – Visually Handicapped

HH – Hearing Handicapped,

PHH – Partially Hearing Handicapped

MR – Mentally Retarded (Mild-Moderate)

LH – Locomotor Handicapped

AREA : U – Urban, SU – Semi-Urban, R – Rural.

�Strong will power, self-determination, right direction and truededication are the main essence of my success.�

Shri Shyama Ballav Mohapatra a successful disabled (PPRP-right lower limbwith spinal injury) businessman of Bhubaneswar


SERVICE SECTOR VENTURES

Sl. No. Name of venture/activity Category of PWDs Area (Urban/suitable Semi-urban/Rural)

01 Beauty Parlour HH, LH U, SU

02 Health Club HH, LH, LV, VH U

03 Carpentry HH, LH, LV, MR U, SU, R

04 Laundry & Ironing HH, LH, MR U, SU

05 Blacksmith HH, LH, LV U, SU, R

06 Barber�s shop HH, LH U, R

07 Plumbing HH, LH U, SU, R

08 Cycle Repairing shop HH, LH, LV U, SU, R

09 Electronic Equipments HH, LH, LV U, SUCleaning

10 Repairing of diesel HH, LH U, SU, Rengine pumps

11 Masonry HH, LH U, SU, R

12 Two-wheeler repairing LH, HH, LV U, SU, R

13 Hiring of sound system LH, HH, VH, MR U, SU

14 Hiring of generator & lighting LH, HH, VH, MR U, SU

15 Domestic Appliances Repairing HH, LH, LV U, R

16 Tyre servicing & LH, HH, LV U, SU, Rvulcanising shop

17 Repairing & servicing HH, LH, LV U, SU, Rof agriculture tools

18 STD/PCO, Fax with VH, HH, LH U, SUconference facilities

19 Clock & Watch repairing LH, HH U, SU

20 Musical Instrument Repairing PHH,LV,LH U, SU

21 Mobile, EPBX, Fax, LH UPhone repairing

22 Radio & TV, CD player, LH U, SUtape-recorder repairing

23 Sewing-knitting LH, HH U, SUmachine repairing


24 Physiotherapy Centre HH, LH, OL, VH U, SU

25 Footwear & leather HH, LH, MR U, SUgoods repairing

26 AC, Refrigerator, HH, LH Ucooker repairing

27 Xeroxing, lamination, HH, LV, LH U, SUspiral binding

28 House wiring & electrification HH, LH U, SU, R

29 Computer Hardware HH, LH U, SU& Repairing

30 Coil Binding HH, LH U, SU

31 Gardening (Mali) HH, LH, LV, MR U

32 Screen Printing & HH, LH U, SUCommercial Art

33 Photo framing HH, LH U, SU

34 Tailoring shop HH, LH U, SU, R

35 Musical Band VH, LV, LH, MR, PHH U, SU, R

PRODUCTION/MANUFACTURING VENTURES


01 Cement jail-pipe, LH, HH, VH U, SU, Rflower pot Mnfg.

02 Cane Products Unit HH, VH, LH, MR U, SU, R

03 Chalk Making LH, HH, VH, MR U, SU, R

04 Candle Making HH, VH, MR, LH U, SU, R

05 Agarbatti Making VH, HH, MR, LH U, SU, R

06 Jute Products HH, VH, MR, LH U, SU, R

07 Leather goods HH, LV, LH U, SU(purses, bags etc.)

08 Agriculture implements Mnfg. HH, LH U, SU, R

09 Plastic Goods Manufacturing LH, HH, VH, MR U, SU

10 Rope Making HH, VH, LH, MR U, SU, R



11 Readymade garments HH, LH U, SU

12 Book Binding HH, VH, MR, LH U, SU

13 Rubber stamp, sign-board, HH, LH U, SUBadges, Number Plates,Name Plates

14 Sauce-pickles, HH, LV, LH, MR U, SU, RPapad-Badi Mnfg.

15 Broom making HH, VH, LH, MR R

16 C.B. Bricks Manufacturing HH, VH, LH SU, R

17 Processing of maize & Ragi HH, VH, LV, LH U, SU, R

18 Processing, Packing, HH, VH, LH, MR U, SU, RMarketing of cereals

19 Leaf-cup plate making VH, HH, LH, MR U, SU, R

20 Bamboo item production unit VH, HH, LH, MR U, SU, R

21 Bee keeping HH, LH, MR SU, R

22 Processing-Packing & HH, VH, LH, MR U, SU, RMarketing of spices

23 Furniture Manufacturing HH, LV, LH U, SU

24 Orthotics-Prosthetic HH, LH U, SUManufacturing

25 Note Book-copy-file HH, LH, LV U, SUmanufacturing

26 Stone-wood carving HH, LH, MR U, SU, R

27 Handloom Products HH, VH, LV, LH U, SU, R

28 Appliqué Work HH, LH U, SU, R

29 Rice Processing Huller LH, HH, VH, LV SU, R

30 Dairy Unit HH, LH, VH, MR U, SU, R

31 Goatery�Piggery HH, LH, MR, LV U, SU, R

32 Poultry farming HH, LH, LV U, SU, R

33 Fisheries HH, LH, LV U, SU, R

34 Pottery HH, LH, LV U, SU, R

35 Paper Bags Manufacturing HH, LH, VH, MR U, SU



BUSINESS/TRADING VENTURES


01 Ladies Corner LH, HH, LV, MR U, SU

02 Blouse Petticoat LH, HH, LV U, SUMatching Center

03 Cloth Store LH, HH, LV U, SU, R

04 General Store LH, HH, LV, MR U, SU, R

05 Utensil shop LH, HH, LV U, SU

06 Medicine shop LH U, SU

07 Sweets-snacks shop LH, HH, LV U, SU, R

08 Betel shop LH, HH, VH U, SU, R

09 Hardware & Paints shop LH, VH, LV U, SU

10 Book & Stationery shop LH, HH, LV U, SU, R

11 Video-VCD Cassette LH, HH, LV U, SUhiring shop

12 Audio-Video Cassette LH, HH, LV, MR U, SUsales shop

13 Variety store LH, HH, VH, MR U, SU, R

14 Electrical item sales shop LH, HH, LV U, SU

15 Electronic goods sale shop LH, VH, HH U, SU

16 Luggage sales & service shop LH, VH, HH U, SU

17 Watch-clock sales & Repairing LH, HH, LV U, SU

18 Cycle repairing & sales LH, HH, LV U, SU, R

19 Gift item center LH, HH, MR U, SU

20 Vegetable vendor LH, HH, LV, MR U, SU, R

21 Fruit juice & fruits vendor LH, HL, LV, MR U, SU

22 Milk product parlours LH, HH, LV, MR U, SU

23 Dhaba & Restaurant LH, HH, LV U, SU,

SH/NH Roads

24 Photo Studio/Videography LH, HH U, SU

25 Seeds, fertilizer & LH, HH, LV, VH, MR U, SU, RPesticides shop


26 Tent House LH, HH, LV U, SU, R

27 Cyber Café & DTP job work LH, HH U, SU

28 Clinical Lab LH U, SU

29 Ice-cream / juice parlour LH, HH, VH, MR U, SU

30 Sea foods selling LH, HH, LV, MR SU, R

31 Travel Agent LH, LV, HH U, SU

32 Building material LH, LV, HH, VH U, SU

33 Sports Emporium LH, HH, HH U, SU

34 Photography & Videography HH, LH U, SU

35 Flour Mill HH, LH, LV U, SU, R


Hon�ble Chief Minister of Orissa Shri Naveen Patnaik releasing Book �SAMADHAN�written by Mr. R.K. Sharma, Rehabilitation Officer, VRC, Bhubaneswar andpublished by Women & child Development Dept., Govt. of Orissa.

From Right to Lelt :1. Smt. Pramila Mallik, Hon�ble Minister, W&CD Dept., Govt. of Orissa.2. Sri Naveen Patnaik, Hon�ble Chief Minister of Orissa.3. Dr. S.B. Agnihotri IAS, Commissioner-cum-Secretary, Women & Child

Development Deptt., Govt. of Orissa.4. Sri R.K. Sharma - Author/Rehabilitation Officer - VRC for Handicapped,

Govt. of India, Bhubaneswar.


Chapter-20

INFORMATION GUIDANCE &REHABILITATION NETWORK

Many inclusive Government organisations such as 17 VRCs,11 DRCs, 23 Special Employment Exchanges, 6 National Institutesand their Regional Offices, 4 RRCs for the spinal injured, 4 CRCs,130 DDRCs, ALIMCO, RCI, CCD etc. are extending rehabilitationand guidance services to PWDs across the country. BesideGovernment organisations, several non-government organisationsare also working for the PWDs. The addresses and brief outlinesof Government organisations are listed below. The PWDs and theirparents/guardians may approach nearest organisation for furtherdetail and guidance.

A. Vocational Rehabilitation Centres for Handicapped(VRCs)

The Government of India, Ministry of Labour & Employment,DGE&T established first two Vocational Rehabilitation Centres forHandicapped at Mumbai and Hyderabad in 1968. There are now 20VRCs including one VRC for handicapped women at Vadodara(Gujarat) and 11 Rural Rehabilitation Extension Centres (RRECs)attached to 5 VRCs (Kolkata, Chennai, Kanpur, Ludhiana andMumbai). The VRCs are catering vocational needs of crossdisability sector ( viz. Locomotor disabled, Hearing Impaired, Blind/Low vision and Mentally Retarded) having 40% or more disabilityin age group of 15 to 50 years. These Centres are fully equippedto conduct socio-psycho-economic and vocational evaluation andto channelise the adult PWDs into appropriate vocations includingvocational training, wage paid employment and self-employment.The services of VRCs are free of cost. The PWDs, their parents/guardians may contact nearest Vocational Rehabilitation Centreon any working day between 9.30 A.M. to 1 P.M. The list of VRCsis given below :

1. ANDHRA PRADESH VRC for Handicapped, ATI Campus, Vidya Nagar,Hyderabad-500007, Ph: 040-27427381Fax: 040-27427381, E-mail: [email protected]

2. ASSAM VRC for Handicapped, Old ITI Campus, Guwahati-781 008.Ph: 0361-2543776, E-mail: [email protected]


3. BIHAR VRC for Handicapped, A/84, Plot No.1, Gandhi ViharPolice colony, Anisabad, Patna-800002. Ph: 0612-2250213E-mail: [email protected]

4. GUJARAT VRC for Handicapped (women), Mahaveer Indl. Estate,Karelibag, Vadodara-390018. Ph: 0265-2553674.Fax: 0266-2430510/2430362, E-mail: [email protected]

5. GUJARAT VRC for Handicapped, ATI Campus, Kuber Nagar,Ahmedabad-382340. Ph: 079-2811629. Fax: 2822486E-mail: [email protected]

6. KARNATAK VRC for Handicapped, 22, Hosur Road, Bangalore-560 029.Ph: 080-26564995, E-mail: [email protected]

7. KERALA VRC for Handicapped, Nalanchira, M.C. Road, Nalanchira,Trivandrum-695 015. Ph: 04712531175, 2530371.E-mail: [email protected]

8. MADHYA PRADESH VRC for Handicapped, Napier Town, Near Bus Standand Nab Bharat Press, Jabalpur-482 001,Ph: 0761-2405581, Fax.2390169, E-mail: [email protected]

9. MAHARASTRA VRC for Handicapped, ATI Campus, V. N. Purav Marg,Sion, Mumbai-400 022. Ph: 022-25221707, Fax: 25221560E-mail: [email protected]

10. NEW DELHI VRC for Handicapped, Plot No.9, 10, 11, Karkar Dooma,Vikas Marg, Delhi- 110092. Ph: 011-22372704E-mail: [email protected]

11. ORISSA VRC for Handicapped, SIRD Campus, Unit-8,Bhubaneswar-751012. Ph : 2560375,Fax : 2560375/2550800, E-mail: [email protected]

12. PUNJAB VRC for Handicapped, ATI Campus, Gill Road,Near Arora Talkies, Ludhiana-141 003, Ph: 0161-2490883,Fax: 0161-2491871, E-mail: [email protected]

13. RAJSTHAN VRC for Handicapped, 5-A/23, Jawahar Nagar,Jaipur-302004. Ph: 041-2652232, Fax: 2200072,E-mail: [email protected]

14. TAMILNADU VRC for Handicapped, CTI Campus, Guindy,Chennai-600 032. Ph: 044-2341534, Fax: 0442341211,E-mail: [email protected]

15. TRIPURA VRC for Handicapped, Abhoy Nagar, Agartala-799 005.Ph: 0381-225632, E-mail: [email protected]

16. UTTAR PRADESH VRC for Handicapped, ATI Campus, Govind Nagar,Kanpur-208022. Ph: 0512-296005, Fax: 0512 - 296273.E-mail: [email protected]


17. WEST BENGAL VRC for Handicapped, 38, Badan Roy Lane, Beliaghat,Kolkata-700010. Ph: 033- 23508146, Fax: 033-23378358E-mail: [email protected]

Three VRCs at Una (H.P.), Srinagar (J&K) & Pondichery (U.T.) have been openedrecently (July 2005)

B. SPECIAL EMPLOYMENT EXCHANGES FORPHYSICALLY HANDICAPPED : (SEEPH)

The Special Employment Exchanges for Physical lyHandicapped are working for adult physically handicapped aspirant.SEEPH helps the disabled registrant to channelise them intoappropriate vocational training, paid job, self-employment and othergainful activities. The PWDs who are in working age should contactto nearest SEEPH for utilisation of their services free of cost. Thelist of SEEPH running under state/union territories governments isgiven below :

1. ANDHRA PRADESH : Special Employment Exchange for Physically Handicapped,Azamabad, Hyderabad-500 020.

2. ANDHRA PRADESH : Special Employment Exchange for Physically Handicapped,Visakhapatnam.

3. ASSAM Special Employment Exchange for Physically Handicapped,Guwahati

4. BIHAR Special Employment Exchange for Physically Handicapped,Combined Labour Building, Bailey Road, Patna- 800 001.

5. CHANDIGARH Special Employment Exchange for Physically Handicapped,1282, Sector-18C, Chandigarh-160018.

6. GUJARAT Special Employment Exchange for Physically Handicapped,Salajose Cross Road, Opp. S.V. College, Ahmedabad-380001.

7. GUJARAT Special Employment Exchange for Physically Handicapped,Kopasiwala Bungalow, Junction Plot, Rajkot.

8. GUJARAT Special Employment Exchange for Physically Handicapped,Kothi Building, Baroda.

9. GUJARAT Special Employment Exchange for Physically Handicapped,Multi storied Bldg., Nanpura, Surat.

10. HIMACHAL PRADESH Special Employment Exchange for Physically Handicapped,Directorate of Employment & Training, Stock Palace,Shimla- 171 002.

11. KARNATAK Special Employment Exchange for Physically Handicapped,No.5, Crescent Road, High Grounds, West Bangalore-560020.


12. KERALA Special Employment Exchange for Physically Handicapped,Nadavanam Road, Palayam, Thiruvananthapuram-695 001.

13. MADHYA PRADESH Special Employment Exchange for Physically Handicapped,985, Wright Town, Jabalpur- 482 001.

14. MAHARASTRA : Special Employment Exchange for Physically Handicapped,Merchantile Chambers, 3rd floor, Graham Road,Ballard Estate, Mumbai - 400 001.

15. MANIPUR Special Employment Exchange for Physically Handicapped,Imphal.

16. NEW DELHI Special Employment Exchange for Physically Handicapped,Barrack No. 1/B-5, Block-A, Curzon Road, New Delhi-110001.

17. ORISSA Special Employment Exchange for Physically Handicapped,Barrack No.8, Unit-5, Bhubaneswar-751 001.

18. PUNJAB Special Employment Exchange for Physically Handicapped,(Govt. of Punjab) 1282, Sector-18-C, Chandigarh-160005.

19. RAJSTHAN Special Employment Exchange for Physically Handicapped,Jaipur-302 001

20. TAMILNADU: Special Employment Exchange for Physically Handicapped,33, Mount Road, Nandanram, Chennai- 600035

21. TRIPURA Special Employment Exchange for Physically Handicapped,Agartala.

22. U. P. Special Employment Exchange for P.H. , G.T. Road,Kanpur-208 002

23. WEST BENGAL: Special Employment Exchange for Physically Handicapped,5, Council House Street, Ground Floor, 620, D.H. Road,Kolkata- 700 001.

C. DISTRICT REHABILITATION CENTRE (DRCs)

The Government of India, Ministry of Social Justice &Empowerment established 11 DRCs to provide comprehensiverehabilitation services to cross disability sector. These Centresprovide services for prevention, early identification, medicalintervention, surgical correction, fitment of ar tificial aids &appliances, therapuetic services (physiotherapy, occupationaltherapy and speech therapy), job placement including self-employment. The PWDs are advised to approach nearest DRCsfor further details (List given below). Besides 11 DRCs, 130 DistrictDisability Rehabilitation Centres (DDRCs) have been set up byMinistry of Social Justice & Empowerment to provide comprehensive


rehabilitation services to the unreached PWDs of remote andrural areas. For detail, contact : Director (Disability Division),Ministry of Social Justice & Empowerment, Shastri Bhawan, NewDelhi-110001. Ph: 011-23387269. Fax: 23384918.

1. ANDHRA PRADESH DRC, H. No. 29-28-39, Surya Bhawan, Desari Street,Suryaraopet, Vijayawada-520002. Ph: 0866-2579646.

2. BIHAR DRC, Lal Bagh (Near Raja College Field),Sahajahanpur Road, Sitapur. Ph: 05862-23283

3. HARYANA DRC, 1st floor, Laundry Section, Civil Hospital,Bhiwani-125 021. Ph: 01664-23075.

4. KARNATAK DRC, Government School for Blind Children premises,Thilak Nagar, Mysore-570021. Ph: 0821-2447670

5. MADHYA PRADESH DRC, Opposite Nurse Hostel, Sardar Patel Hospital Campus,Bilaspur - 495 001. Ph: 07752-230893

6. MAHARASTRA DRC, Kharodi Naka Boling, Agashi Road, Tal. Vasai,Dist.- Thane. Ph: 0252-2382735.

7. ORISSA DRC, Capital Hospital Campus, Unit-VI,Bhubaneswar-751 001. Ph: 0674-2407803.

8. RAJSTHAN DRC, MBS Hospital complex, Kota-324 001.Ph: 0744-2320891.

9. TAMILNADU DRC, GST Road, Near Court, Chengalpattu-603 001,Chennai. Ph: 04114-26853.

10. UTTAR PRADESH DRC, Vikash Bhawan, Sultanpur-227 809.Ph: 0536-22317

11. WEST BENGAL DRC, Khadagpur General Hospital, Po:Kharagpur,Dist. Midnapore-721301. Ph: 03221-26427/262894

D. NATIONAL INSTITUTES :

Four National Institutes (NIVH, NIMH, NIOH, NIHH) havebeen set up by Government of India, Ministry of Social Justice &Empowerment to provide comprehensive rehabilitation service toPWDs. These institutes are premier apex level organisations infour areas of disability ( VH, MH, LH and HH). Some of the instituteshave their Regional Centres too. The inter-disciplinary team ofthese Institutes attempt to maintain a high standard of rehabilitationservices including vocational guidance, training and placement.Besides these four National Institutes, two National level institutes( NIRTAR, IPH) also have been set up by Government of India,Ministry of Social Justice & Empowerment.


The PWDs or their parents/guardians may contact to nearestNational Institutes or their regional centres which are listed below :

1. National Institute for Mentally Handicapped (NIMH),Po: Manovikas Nagar, Secunderabad- 9. (A.P.)Ph: 040-7751741/45. Fax: 040-7750198. E-mail : [email protected]. org.

Regional Centres of NIMH :

a. N.I.M.H., C/o. N.I.H.H., Kishan Chand Marg, Bandra(W), Mumbai-400 050.Ph: 022-2642880

b. N.I.M.H., Kasturba Niketan, Lajpat Nagar, New Delhi-110024.Ph: 011-26831012.

c. N.I.M.H., C/o. N.I.O.H., B.T. Road, Bon Hooghly, Kolkata-700 090 (W.B.).Ph: 033-25567279 / 25562564

2. National Instiute for the Orthopaedically Handicapped (NIOH),B.T. Road, Bon-Hooghly, Kolkata-700090. Ph:033-25567279/25562564.

3. Ali Yavar Jung National Institute for the Hearing Handicapped(AYJNIHH),Kishan Chand Marg, Bandra (West), Mumbai-400 050.Ph: 022-6409176/6422638/26400215/26400228. Fax: [email protected]/[email protected], Website: www.ayjnihh.org.

Regional Centres of AYJNIHH :

a. N.I.H.H., C/o. NIOH, B.T. Road, Bon Hooghly, Kolkata-700090 (W.B.).Ph: 0333-25311427

b. N.I.H.H., Kasturba Niketan, Lajpat Nagar-II, New Delhi - 110024.Ph: 011-26815093.

c. State Collaborated Centre, TCTD, Unit-8, SIRD Campus, Bhubaneswar-12.Ph: 0674-2561394.

d. Southern Regional Centre, Manovikas Nagar, Bownpally, Secunderabad.Ph: 040-27758500.

4. National Institute for the Visually Handicapped (NIVH),116,Rajpur Road, Dehradun-248 001 (Uttaranchal). Ph: 0135-2449124578

Regional Centres of NIVH :

a. NIVH, Punamallee, Chennai (Tamil Nadu). Ph: 044-2572505.


b. NIVH, C/o. NIMH, Po: Manovikas Nagar, Secunderabad-500009 (A.P.).Ph: 040-7758500

c. State Collaborative Centre (TCTVH), SIRD Campus, Unit-8,Bhubaneswar-751012, Orissa. Ph: 0674-2561163

5. National Institute of Rehabilitation Training and Research (NIRTAR),At.-Olatpur, Po: Bairoi, Cuttack-754 010. (Orissa). Ph: 0671-2805552, 2805856.

6. Institute for the Physically Handicapped (IPH),4, Vishnu Digambar Marg, New Delhi - 110002.Ph:011-23314672/23312403.

E. REGIONAL REHABILITATION CENTRES (RRCs)FOR PERSONS WITH SPINAL INJURIES

The Government of India, Ministry of Social Justice &Empowerment has set up four Regional Rehabilitation Centres(RRCs) for persons with spinal injuries (Mohali, Cuttack, Jabalpurand Bareilly) under centrally sponsored scheme. The concernedState Goverment has provided land, building and other infrastructurecovering at least 10% of the project as state share. Italianassistance in the form of equipments is envisaged. The IndianSpinal injuries Centre has provided technical support. The RRCsprovide diagnostic facilities, theraupatic input (physiotherapy andoccupational therapy), minor operations, artificial limbs andappliances, in-patient bed facilities, vocational guidance trainingand follow-up services to ensure proper rehabilitation. The peoplewith spinal injuries may contact to nearest RRCs.

1. UTTAR PRADESH : The Director, U. P. Spinal Injury Centre,Pilibhit Bye-pass Road (5th line) Bareilly, U.P. (Ph. 0581-2526400)

2. ORISSA : The Director, Regional Spinal Injury Centre, SCBMedical College & Hospital Campus, Cuttack-753 007. (Ph.0671-612607)

3. CHANDIGARH : The Director, Govt. Spinal Injury Centre,Medical College and Hospital , Sector-32, Chandigarh/

4. MADHYA PRADESH : The Director, Regional Spinal InjuryCentre, Netaji Subhash Chandra Bose Medical CollegeCampus, Opp. Nehru Nagar Colony, Jabalpur. (M.P.)


F. REHABILITATION COUNCIL OF INDIA (RCI) :

The Government of India had set up ‘Rehabilitation Councilof India’ in 1986 as registered society under Society RegistrationAct. To provide statutory powers to the RCI for carrying out itsresponsibilities effectively, the Rehabilitation Council of India Act,1992 was passed by the Parliament which came into force witheffect from 2nd June, 1993. The amendment in the Act in 2000gave the additional responsibility of promoting research to theCouncil. The main objectives of the Council are to regulate trainingpolicies and programmes, to recognise the training institutes, tomaintain a central rehabilitation register of the rehabilitationprofessionals and promote research work in the field of disabledrehabilitation. For further detail contact : Member-Secretary,Rehabilitation Council of India, RCI House , B-22, QutabInstitute Area, New Delhi - 110016. Ph: 01155487919/25634287/26856892. E-mail : [email protected]. Website :rehabcouncil.nic.in

G. NATIONAL LEVEL ENTREPRENEURSHIPINSTITUTES :

The national/state level entrepreneurship institutes arefunctioning across the country to impart training, provide guidanceand consultancy, undertake research and render professionalservices in the realm of entrepreneur development. National levelinstitutes are listed below :

1. Indian Institute of Entrepreneurship (IIE),Basistha Chariali, Lalmati, 37, National Highway Byepass,Guwahati-781 029 (Assam).

2. Entrepreneurship Development Instiute of India (EDII),Ahmedabad, Gujarat.

3. National Institute of Small Industry and Extension Training (NISIET),Yousufguda, Hyderabad-500 045.

4. National Inst i tute for Etrepreneurship and Small BusinessDevelopment (NIESBD),NSIC-P DTC Campus, Okha, New Delhi - 110020.

H. ALIMCO

Artificial Limbs Manufacturing Corporation of India (ALIMCO);now largest Artificial Limbs Manufacturing Unit in entire South


Asia, was established on 29th November, 1972 as non profitorganisation (A Government of India Undertaking) working underthe Ministry of Social Justice & Empowerment. ALIMCO iscommitted to manufacture and supply of pre-fabricated componentsof prosthetic/orthotic and other rehabilitation aids/assistive devicesfor disabled. ALIMCO is manufacturing 355 types of aids andappliances such as calipers, artificial limbs, spinal orthotics (Bracesfor neck and back), prosthetic supplies (socks, stockinettes andsurgical boots), wheel chair, tricycle, axilla & elbow crutches,walking stick, hearing aids, braille shorthand machine, braille slate,walking cane & stick, special purpose tools & equipments.

Regd. & Head Office

Artificial Limbs Manufacturing Corporation of IndiaG. T. Road, Kanpur - 208016, INDIAE-mail: [email protected] <mailto:[email protected]>Visit us at : <http://www.artlimbs.com>Tel : +91 (512) 2770137/2770173/2770687/2770817Fax : +91 (512) 2770 617

Regional Marketing Centres

1. Bangalore :

Regional Marketing & Disability Rehabilitation Centre, ALIMCO, No. 14/43,Indutrial Suburb, Yeshwantpur, TumKur Road, Bangalore - 560 022TeleFax : +91 (80) 3577070Email. : [email protected] <mailto:[email protected]>

2. Bhubaneswar :

Alimco Auxiliary Production Centre, S-3/66, Mancheswar Industrial Area,Bhubaneswar - 751 010. Tel : +91 (674) 2586881/2587670/2580210,TeleFax : +91 (674) 2587018. E-mai l . : a l [email protected] .net . in<mailto:[email protected]>

3. Kolkata :

Regional Marketing Centre, ALIMCO, C/o. National Institute of OrthopaedicallyHandicapped (NIOH), B.T. Road, Bon-Hooghly, Kolkata - 700 090.TeleFax : +91 (33) 25317838, Tel. : +91 (33) 25316356, E-mail :[email protected] <mailto:[email protected]>


4. Mumbai :

Regional Marketing Centre, ALIMCO, C/o. Ali Yavar Jung National Institutefor the Hearing Handicapped (NIHH), Kishan Chand Marg, BandraReclamation, (Opp. Telephone Exchange), Bandra West, Mumbai - 400 050,Tel. & Fax : +91(22) 26410495E-mail : [email protected] <mailto:[email protected]>

5. New Delhi :

Regional Marketing & Disability Rehabilitation Centre, ALIMCO, C/O SocialJustice Centre, Ground Floor, Mahila Imdad Committee, Paharganj, Opp.New Delhi Railway Station, New Delhi - 110 055. Tel.: +91 (11) 23580877,Fax : +91 (11) 23580831, E-mai l : a l [email protected] .net . in<mailto:[email protected]>

I. The Chief Commissioner for Persons with Disabilities

The Government of India, Ministry of Social Justice &Empowerment has appointed the Chief Commissioner for PWDsunder Section 57(1) of PWD Act, 1995.

According to Section 58, the Chief Commissioner shall --

a. coordinate the work of the Commissions;

b. monitor the utilisation of funds disbursed by the CentralGovernment;

c. take steps to safeguard the rights and facilities made availableto PWDs;

d. submit reports to the Central Government on the implementationof the Act at such intervals as that Government may prescribe.

According to Section-59 of PWD Act, 1995 -

Without prejudice to the provisions of section-58, the ChiefCommissioner may of his own motion or on application of anyaggrieved person or otherwise look into complaints with respect tomatters relating to --

a. deprivation of rights of PWDs;

b. non-implementation of laws, rules, bye-laws, regulations,executive orders, guidelines or instructions made or issued bythe appropriate Government and the local authorities for thewelfare and protection of rights of persons with disabilitiesand take up the matter with appropriate authorities.


Address : The Chief Commissioner for Disabilities, Govt. of India, Ministry ofSocial Justice & Empowerment, Sarojini House, 6 Bhagwan Das Road, NewDelhi -110001. Ph.011-23386054/23386154, Fax-23386006. E-mai l :[email protected]/ <mailto:[email protected]/> Website : www.ccdisabilities.nic.in<http://www.ccdisabilities.nic.in>

The Commissioner for Persons with Disabilities

In accordance to Section-60(1) of PWD Act, 1995, everyState Government may by notification appoint a Commissioner forPWDs for the purpose of this Act. The Government of Orissa hasappointed Commissioner for Persons with Disabilities.

According to Section-61 of PWD Act, the Commissionerwithin the state shall -

a. coordinate with the departments of the State Government forthe programmes and schemes for the benefit of persons withdisabilities;

b. monitor the utilisation of funds disbursed by the StateGovernment;

c. take steps to safeguard the rights and facilities made availableto PWDs;

d. submit reports to the State Government on the implementationof the Act at such intervals as that Government may prescribeand forward a copy thereof to the Chief Commissioner.

According to Section-62 of PWD Act, 1995 -

Without prejudice to the provisions of section-61, theCommissioner may of his own motion on the application of anyaggrieved person or otherwise look into complaints with respect tomatters relating to :

a. deprivation of rights of PWDs;

b. non-implementation of laws, rules, bye-laws, regulations,executive orders, guidelines or instructions made or issued bythe appropriate Government and the local authorities for thewelfare and protection of rights of persons with disabilitiesand take up the matter with appropriate authorities.

Address : The Commissioner for Persons with Disabilities, C/o. Secretary, Women& Child Development Department, Government of Orissa, Secretariat,Bhubaneswar (Orissa).


Phone No.0674-2536775. Fax : 0674-2406756/2407142.Email: [email protected] <mail to:[email protected]>

Note : The other State Governments/Union Territories might haveappointed Commissioner for PWDs. Contact to respective StateGovernment/Commissioner for PWDs.

J. WHOM TO CONTACT

The entrepreneur may contact the following officials/officesto know baseline information about the self-employmentopportunities. If they need more details they may contact theofficials/officers mentioned below :

Village Level

Ø The Sarpanch – Gram Panchayat.

Ø The Village Level Worker.

Ø The Member of Community/Village who is well aware aboutGovt. programs.

Ø The representative of NGO/Service Club/Government.

Block Level

Ø The Chairman, Panchayat Samiti.

Ø The Block Development Officer (BDO) – (Rural PWDs only).

Ø The Industries Promotion Officer (IPO).

Ø The Executive Officer, NAC/Municipality (urban PWDs only).

Ø The Branch Manager, Nationalised Bank or any financialinstitute.

Ø The Project Administrator, Integrated Tribal DevelopmentAgency(ST-PWDs only).

Ø The Officer-in-charge of NGOs/Service Club.

District Level

Ø The Chairman, Zilla Parishad.

Ø The Project Director, District Rural Development Agency(DRDA).


Ø The General Manager, District Industries Centre (DIC).

Ø The Cottage Industry Officer, DIC.

Ø The District Manager, Orissa ST/SC Dev. Finance Coop.Corpn. (SC/ST-PWDs only).

Ø The District Lead Bank Manager.

Ø The Executive Officer, Municipality/Municipal Corporation(urban PWDs).

Ø The District Social Welfare Officer (DSWO).

Ø The District Employment Officer.

Ø The Officer-in-charge of NGOs.

State Level

Ø The Managing Director, Mahila Vikas Samabaya Nigam, PlotNo. A-30, Bhouma Nagar, Unit-IV, Bhubaneswar.

Ø The CMD,Orissa ST/SC Dev. Finance Coop. Corpn., LewisRoad,Bhubaneswar (ST/SC PWDs).

Ø The Director, KVIC, Govt. of India,69 Buddha Nagar KalpanaSqure,Bhubaneswar -3.

Ø The Director (Special Project), Panchayatiraj Department,Secretariat, Bhubaneswar.

Ø The Secretary, Khadi & Village Industries Board, KharavelNagar, Unit-3, Bhubaneswar.

Ø The Zonal Manager, UCO Bank (State Lead Bank), AshokNagar, Bhubaneswar.

Ø The Local Head Offices of Banks/Financial Institutions.

Ø The Asst. Director(Rehab.), VRC for Handicapped, SIRDCampus, Unit-VIII, Bhubaneswar-12.

Ø The Institutes / Centres listed in this chapter.

Note : The PWDs should contact these offices of their respective states.


Chapter-21

REHABILITATION OF PWDS&

ROLE OF DISTRICT/BLOCK FUNCTIONARIES

The Government has vast infrastructure and reasonable fundsunder various schemes for the development and welfare of thepeople of the country, including PWDs. The Govt. employees/workers are posted/working right from Panchayat level toParliament. A feasible working system has been developed toextend benefits to eligible beneficiaries. Targets are being allocatedevery year, periodical monitoring is being done at various level toensure proper implementation of Govt. schemes., accountabilityand responsibilities are being fixed. It has been observed thatpeople usually come forward to help vulnerable segment of oursociety but the basic difficulty is that they are either not wellaware or less aware about their role and responsibi l i ty.Comparatively there is less awareness about role, responsibilitiesand rights of the disabled. I have personally experienced thatwhen the role of the Collector & District Magistrate in rehabilitationof PWDs was explained, many of the District Collectors werehappy to know about the expert institutes working in the state,new/exclusive schemes for PWDs and special provisions underexisting schemes. It was felt that there should be specificguidelines which can narrate specific role of block/districtfunctionaries in rehabilitation of PWDs, based on rules &regulations. The National Trust had circulated related material too.The role & responsibilities of Block/District functionaries, statedin this book, are based on more than a decade long practicalexperience of author in Orissa. A sincere attempt has been madeto lay down broad based role of key block/distr ict levelfunctionaries, involved in self-employment promotion programmes.It is believed that these guidelines will certainly enlighten theblock & district functionaries and they can play very meaningfulrole in rehabilitation of PWDs of the state. If anyone has anysuggestion, please write to author of this book which may beincluded in the next edition.


Sri Saraswat Mishra IAS, Collector, Kalahandi, Speaking to PWDs in anEDP.(2003) organised by VRC & Dist. Administration.

Shri Ashok Meena IAS, the then District Magistrate-cum-Collector,Phulbani speaking in State Wide Launch Programme; �Operation

Empowerment 2000�; jointly organised by OPEPA, VRC, SMRC & DistrictAdministration in 16 Districts of Orissa (January 2000).

Rehablitation of PWDs is neitheryour job nor my job, it is our job


A. COLLECTOR & DISTRICT MAGISTRATE

1. Being head of district and Chairman of more than 100monitoring/review committees, please ensure that PWDs aregiven adequate benefit, ful l par t icipation and equalopportunities in all existing schemes/programs as Indiancitizen and due share i.e. not less than 3% in education,training, paid job, self-employment & poverty alleviationprograms etc. as Govt. has given 3% reservation which ismandatory; (Section-33, 39 & 40 of PWD Act, 1995) to PWDs.You may direct to different departments/offices which areunder your administrative control, to have separate columnfor PWDs (disability & sex-wise) in their target allotmentformat, Monthly Progress Report, Quarterly Progress Reportetc. Special task force committee may be formed on thepattern of Kalahandi. You may send verbal/written directionto implementing agencies periodically. Good work may beappreciated. You can have a separate agenda point for PWDsin all Committees, to have focused attention.

2. Many special ized Govt. inst i tutes l ike VocationalRehabilitation Centre for Handicapped (VRCH), NationalInstitutes or their Regional Centres, (TCTD, TCTVH,TCTMR),DRCs, DDRCs, RRCs for Spinal Injuries, CRCs,ALIMCO, Special Employment Exchange for PH, NGOs etc.are working in your state, to cater the need of PWDs. Youmay interact with these institutes to chalk out meaningfulprogram for your district. The well qualified professionals/technicians may provide specialized/expert support servicesto those PWDs who are needy, services can be providedeven at block level, through camp approach.

3. Because of restricted mobility, limitation in communicationand vision, PWDs can not run around in many offices forgetting meaningful information about their rehabilitationschemes/services. On the other hand, if you need informationabout work done by District/Block administration for PWDs,you have to collect information from many offices. A districtresource centre on the pattern of ALOK – Koraput, whichdoes not require any additional financial implication or staff,may be opened which will work as data bank and informationcentre to minimize the problems of both, yours as well asPWDs. Secondly some information boards, in local language


may be displayed at prominent public places like Railwaystation, Bus stand, District hospital, office of the Municipality/Zilla Parishad/ DSWO/ BDO/ Tahsildar/ Employment Ex-change etc. to create awareness.

4. Section-46 of PWD Act, 1995 insist on ramp in publicbuildings, adaptation of toilets, Braille symbols and auditorysignals in elevators or lifts etc. Little innovative planning &small expenditure may make existing public buildingaccessible to the PWDs. You may adopt following modes :

l Shift the main public dealing officials to ground floor.

l Alter one toilet for wheelchair user.

l Construct ramps, slopes, hand railing in existingbuildings and put signage.

l Reserve parking for PWDs closer to entrance/exit.

l Ensure that new building construction plans shall haveall provisions as per the Govt. guideline to make buildingbarrier free for PWDs.

5. N.H.F.D.C. scheme is implemented ( 1997 ) to give loan atnominal interest rate to cross disability section in age groupof 18-55 and income range of Rs.80,000/- (Rural),Rs.1,00,000/- (urban) per annum. You may monitor thisprogram in your district. Balance between distance,disadvantage, disability & sex should be maintained whileforwarding NHFDC loan application. Many District Magistrates-Collectors of Orissa took special initiative and organised‘District level NHFDC loan interface programmes’. You mayorganize ‘District Level NHFDC Interface Program’, on patternof Orissa module in collaboration with VRC & SCA to reducehardship of PWDs and to ensure better selection and speedydisbursement of loan. (For detail please refer Chapter-5District Level NHFDC Interface).

6. Being administrative head of the district, you should ensurethat benefits under inclusive schemes such as SGSY, PMRY,SJSRY, SGRY, IAY and schemes of National FinancialDevelopment Corpns. (NSFDC, NSTFDC, NSKFDC, RMP),KVIC, KVIB etc. has been extended to PWDs at least up to3% of total allocation / targets.


7. Sensitise/motivate the NGOs of your district to include PWDsin their program/agenda and to provide services on prioritybasis. The activities of special schools, vocational trainingcentres and placement services of NGOs should be monitoredeffectively and vocationally trained PWDs should bechannelised into gainful self-employment ventures.

8. According to PWD Act, 1995, PWD Rules, 1996, the DisabilityCertificate has to be issued by District Medical Board,constituted by the Central or the State Govt. The Govt. hasconstituted District Medical Board. Disability Certificate isvery much essential to avail any benefit meant for PWDs.To reduce the work load of medical staff, now there is noneed of renewal of Medical Certificate at the interval ofevery 3 years if disability is permanent. You may adoptcamp approach to issue Disability Certificate to each PWD(on the pattern of Chunauti Program of Madhya PradeshGovernment or Smt. Chitra Arumugam module, the thenCollector of Keonjhar district of Orissa).

9. Being the Chairman of District Red Cross Society, apply toMinistry of Social Justice & Empowerment, Govt. of Indiafor allocation of fund under ADIP scheme to distribute aids& appliances to poor PWDs of your district.

Shri Vijaya Arora IAS, the then Collector-cum-District Magistrate, Sundargarhspeaking in cluster approach workshop. (1998-99)Extreme Left Mr. R.K. Sharma, Rehabilitation Officer, VRC for HandicappedGovt. of India, BhubaneswarExtreme Right Shri Ashok Hans, Executive Vice President SMRC, Bhubaneswar


B. CHIEF DISTRICT MEDICAL OFFICER/DOCTORS

Being the district medical head and Chairman of DistrictMedical Board, you may ensure the following services :

1. Ensure that each PWD gets proper disability certificate onstipulated dates and through block level camps. Ensure thatreasonable awareness has been created about date, time,venue, process & documents needed for issue of DisabilityCertificate of Medical Board.

2. The Disability Certificate is a most important and essentialdocument for PWDs to avail concessions, benefits undervarious schemes. A small mistake may create big problemto PWDs. You are requested to ensure that each column hasbeen filled up, category, nature and percentage of disabilityhas been mentioned without any scribbling or overwriting,signature and seals of Board Chairman/Board Members withdate have been placed, photo has been attested etc. Thedisability certificate format may be printed on quality paper.Instructions regarding use of Disability Certificate, issue ofduplicate certificate may be printed on back side.

3. As per the Govt. instructions the train fare concessioncertificate can be issued by any Govt. Doctor. Being a Govt.Doctor you may issue the same to PWDs. The CDMO maysend periodical instructions & guidelines to Govt. Doctor toissue fare concession certificate.

4. Early identification, intervention and referral for appropriatetreatment/surgery/therapy/aids & appliances may arrestdisability up to great extent. You may handle this taskcomfortably. It is expected that you play key role in earlyidentification, intervention and referral. Your referral shouldnot be limited to treatment, surgery and therapy but youshould refer the PWDs to appropriate institute for otherrehabilitation services too such as education, training, self-employment, disability pension etc.

5. Doctors can create awareness on causes, prevention andmanagement of disability. They may create new hope amongand between parents & PWDs by displaying success stories,helping them to understand limitations/restrictions ofdisability & residual abilities. Information Board may bedisplayed in prominent places.


6. The Govt. institutes, NGOs, service clubs can be used toorganize different kinds of camps (health camps, disabilitycertificate/rehabilitation camps). Please extend your service,depute your doctors if required and requested.

7. Ensure that your working place, toilets, water fountains etc.are accessible for PWDs, ramps & slopes are constructed.

DeeDees efceuekeÀj keÀjW peleveefJekeÀuebeiees keÀe nes HegveJe&meve

�They are top at their job provide them an opportunity�Self employed PWD at his photo framing shop, assisted by VRC,

Bhubaneswar through self employment kit and NHFDC loan.


C. DISTRICT LEAD BANK MANAGER/BANKERS/FINANCIAL INSTITUTES

Without economic rehabilitation of PWDs, other means ofrehabilitation has very marginal importance. Employment and self-employment are the two basic tools for economic empowerment ofevery person including the disabled. As we know, possibilities ofemployment are remote, job market is shrinking, and there istough open competition for very few left out jobs. On the otherhand, self-employment has greater possibilities. Govt. has provided3% reservation in major existing schemes. Exclusive NHFDCscheme for the PWDs has been launched (1997). In thesecircumstances, you have very important role to ensure due sharein existing loan schemes.

District Lead Bank Manager (DLBM) is the key officer atdistrict level to co-ordinate, credit/loan program of various banksunder existing schemes. DLBM can play a vital role in the followingmanner :

1. Motivate, sensitise the bankers about abilities and rights ofPWDs as Indian citizen as well as reserved category becauseGovt. has provided concessions, relaxations and mandatoryreservations in loan/credit schemes.

2. It has been observed that bankers have denied opening ofaccount, issue of cheque book required for NHFDC loan andrejection of loan application under existing schemes (SGSY,SJSRY, PMRY, KVIC, DRI etc.) on account of disability,which shows discrimination and leads to violation ofprovisions of PWD Act, 1995. You can intervene in suchcircumstances, as and when required to ensure best possiblehelp from the bankers.

3. Innovative work should be initiated to facilitate PWDs toutilize bank facilities as it has been done by ‘Central Bankof India’ at No.10 Bus stop Branch, Bhopal (MP). This Branchis completely accessible to PWDs with ramps, railings andcounters at lower heights for wheel-chair users and brochuresare printed in braille for the visually impaired.

4. You represent the ‘State Level Bankers Committee Meeting’(SLBC). You may raise your voice in that Committee aboutproblems and progress of PWDs under various schemes.You should insist that there should be independent agenda


for PWDs on the pattern of SC/ST/OBC/Women/Minoritiesin SLBC, to have focused attention and proper monitoring.

5. As a Branch Manager/Field Officer, you may help PWDs upto a great extent in form of disbursing loan under subsidylinked schemes, DRI and Housing scheme on priority basis.You can make your branch accessible on the pattern ofCentral Bank of India, Bhopal.

D. CHAIRMAN-ZILLA PARISHAD /PROJECT DIRECTOR, DRDA

According to Section-40 of PWD Act, not less than 3%funds under poverty alleviation program has to be kept reservedfor PWDs. Rural development work, including poverty alleviationprogram are being monitored by you.

The targets and funds to block functionaries are beingplaced through you. So, you may have very feasible and meaningfulrole as follows in rehabilitation, specially economic rehabilitationof rural PWDs :

1. While allotting targets, please allot specific target for PWDs(In numbers with amount, if possible) under various schemessuch as SGSY, IAY, SGRY, EGS etc. and place a specialstrong note that, the targets fixed for PWDs are mandatoryand can not be diverted for others. These targets have to beachieved by any means.

2. While conducting reviews, inspections you may review/inspect the progress of PWDs, under various schemes,especially in poverty alleviation programs. Besides inclusivereviews/inspections, exclusive reviews/inspection may beconducted to have focused attention, which will caution thefield functionaries.

3. You may apply for Central grant under ADIP scheme ofMinistry of Social Justice & Empowerment, Govt. of Indiafor distribution of aids & appliances, such as tricycle,wheelchair, hearing aid etc. to PWDs.

E. DISTRICT SOCIAL WELFARE OFFICER

You are the nodal person of welfare schemes, includingwelfare of PWDs having vast ICDS infrastructure and network. You


may have very meaningful role in prevention, early identification,referral, pre-schooling and rehabilitation of PWDs. You can havefollowing broad-based responsibilities :

1. Co-ordinate & collaborate with different GOs/NGOs to ensuremaximum benefit for PWDs through their schemes andprograms. Maintain up-to-date data bank of PWDs, shareyour data with GOs/NGOs for common goal.

2. You are the district level nodal officer of NHFDC (in Orissa)loan scheme. Ensure that target is fulfilled, deserving PWDsget loan, balance between sex, distance, disadvantage &disability is maintained and PWDs who have capability torun business get loan under NHFDC.

3. Besides exclusive scheme for PWDs (NHFDC, OrissaDisability Pension, Scholarship etc.), ensure that PWDs getadequate benefit under inclusive scheme too, implementedand monitored by you, such as Social Security Schemes,Annapurna, Balika Samrudhi Yojana, Adolescent GirlsScheme, Mission Shakti etc.

4. Many PWDs often visit your office, so your office must beaccessible. You may display information boards in local languageto create awareness. Different kinds of forms (Rail/Bus fareconcession form, disability certificate, ADIP, Scholarship etc.),Govt. Memoranda / Notifications may be kept in well arrangedmanner for reference and for distribution to needy, on request.

5. You may sensitise/utilize ICDS network in such a mannerthat all disabled children are brought to Balwadi to integratethem with other children at early stage, to increase theirwi l l -power and confidence, to tackle their problemindependently and to search & exhibit their talent.

6. The Govt. has formed more than 1,07,800 SHGs’ constitutedby 13 lakh women member under Mission Shakti Program.You may proceed ahead as follows through ICDS network :

« List out Women With Disabilities (WWDs) in existingSHGs & process for NHFDC credit linkage.

« Include at least one WWD in remaining active & viableSHGs.

« Form exclusive SHGs if possible and feasible, havingat least 5 WWDs and get these groups financed, underNHFDC SGSY scheme or NABARD.


F. MAYOR / CHAIRMAN / EXECUTIVE OFFICER –MUNICIPALITY/NAC

1. You are the implementing agency of ‘Swarn Jayanti SahariRozgar Yojana’ , in which 3% reservation has been providedfor PWDs. You have to ensure that adequate number ofapplications are collected/selected/recommended anddisbursed. (Section-40 of PWD Act, 1995).

2. You may allot space to PWDs for installation of small shopssuch as OMFED booths, ISD/STD/PCO Booth, Juice/fruitstalls, barber shops etc.

3. You can give cycle/vehicle stands to a group of PWDs,which will make them the earning member of the society.

4. Shops constructed by you, may be allotted to PWDs on prioritybasis and on concessional rate. (PWD Act, 1995, Section-43).

5. You can ensure that recreational places such as cinemahalls, parks, theatres, museums, town halls, sea beaches,commercial establishments, Govt. offices, public buildings,municipality schools, hospitals, toilets, drinking water spots,bus stands etc. are accessible for PWDs (section 44, 45, 46of PWD Act 1995).

6. The Govt. of Orissa has authorized you to issue bus concessionpass and sanction and distribution of disability pension tourban PWDs. Please ensure that disability pension goes tomost deserving & disadvantageous PWDs, bus concessionpasses are issued to all eligible PWDs in accessible mode.

G. DISTRICT MANAGER --OSFDCO / PROJECTADMINISTRATOR - ITDA/WELFARE OFFICER

1. Orissa has large SC/ST population. Obviously, there are lotmany PWDs too, who belong to SC/ST community. You mayextend adequate benefit to these PWDs on priority basiswith regard to the credit & other schemes meant for SC/STand implemented/monitored by you.

2. Vocational training, loan for self-employment, assistance forconstruction of homes will help in mainstreaming SC/ST—PWDs. So extend prior i t ised help for training, selfemployment & employment through existing schemes.


3. Provide admission in schools & hostel (Residential/Ashrams& non-residential schools), consider them for scholarshipand other educational facilities which will contribute promotionof education of ST/SC-PWDs upto great extent. Mobiliseyour resources for better education of SC/ST-PWDs.

4. Maintain data-base of PWDs (Disability/Caste/Gender-wise)as it is now being reviewed at local/ district/state and nationallevel.

H. C.D.P.Os / I.C.D.S. SUPERVISORs / SEOs / IPOs /VLWs / ANGANWADI WORKERs

You are block/village level functionary, taking care of welfare/development, including prevention, early identification, interventionand pre-schooling of children and women through vast I.C.D.S.network. You can play vital role in the following ways :

1. Ensure that each SHG has at least one women with disability(WWDs). You list out the WWDs in existing groups, includeWWDs in remaining groups and form exclusive SHGs ofWWDs if possible. Identify suitable self employment venture,inform & channelise them in appropriate schemes.

2. Ensure that ICDS network is effectively engaged in awarness,prevention and early identif ication of disabil i ty andsubsequently proper referral to minimise the effect ofimpairment.

3. Ensure that all PWDs are brought to Balwadis which willensure early integration of PWDs in mainstream of society.

4. You should help financial Institutes in recovery of loan andguiding PWDs about timely repayment which will improvethe image of PWDs and more PWDs may get loan.

I. DISTRICT EMPLOYMENT OFFICER

The traditional activities of the Employment Exchanges areregistration, placement, vocational guidance and collection anddissemination of Labour Market Information. The placement functionhas by and large been hitherto confined to salaried jobs.

Govt. employment is shrinking. There is decline in registrationand submission too, because of changes in recruitment policies.


According to “State Employment Policy-2005” (Orissa) you havebeen nominated as project director of Employment Mission ofDistrict level and member convenor of the District level committeefor implementing and monitoring of Self Employment Programmesat District. Ensure due share to PWDs. So you have to re-organiseyour role in befitting manner.

1. Maintain the data-base of PWDs of your district, channelisethem in appropriate gainful vocations or earning activities.This is possible if you have good networking, close co-ordination and cordial relation with GOs/ NGOs in your district.Inform the PWDs about exclusive and inclusive schemes ofemployment, self-employment, vocational training etc.

2. Ensure that the Govt. offices/public sector undertakings andlocal bodies notify reserved vacancies to you as it ismandatory. The employer must submit returns in DPER-I/ER-I & DPER-II/ER-II.

3. Organise periodical Entrepreneurship Development Programs,Pre-Recruitment Training Programs (EDPs/PRTs), CareerCounseling & Avenue Guidance Program for Adult PWDs.

4. Prepare and display information board in local language,about schemes and programs available for PWDs.

5. You are in district level committee of PMRY. Please ensurethat at least 3% of PWDs are being selected & recommendedfor PMRY loan and disbursement takes place.

6. Each and every registrant, including PWDs aspire for a Govt.job. You brief about the current employment scenario andmotivate them for self-employment too, guide them inselection of self-employment ventures and tell about theloan scheme in detail, help them in documentation & fillingup loan form/applications.

J. CHAIRMAN-BLOCK PANCHAYAT SAMITYBLOCK DEVELOPMENT OFFICER

Around 80% of persons with disabilities (PWDs) hail fromrural background and majority of them are poor. You are the rightperson who can help them in true sense. As part of mandatoryand moral responsibility, you may evolve such a mechanism thatmandatory due share goes to rural PWDs. Few specific task thatcan be carried out by you are :


1. Ensure that not less than 3% reservation under all povertyalleviation programs (SGSY, IAY, SGRY etc.) as it ismandatory (Section-40 of PWD Act, 1995) has been practicallygiven to PWDs. It needs periodical sensitisation of officials,close monitoring and co-ordination. If allotment of house,under IAY is given to PWDs, it will minimize his/her problem& will create confidence and sense of better living.

2. Sensitise PRI members about concession, facilities andrights of disabled, guaranteed under various laws/legislation.PRI members can create awareness in their areas. You maydisplay information board in local language about inclusive& exclusive schemes/programs, implemented by you.

3. As per the instruction of the Govt. of Orissa, the bus fareconcession pass to rural PWDs has to be issued by youroffice, hence, ensure that each PWD who is in need of buspass, gets it easily.

4. Evolve a mechanism to ensure adequate benefit to eligiblePWDs, as Indian citizen, under those schemes/programstoo, in which reservation for PWDs does not exist.

K. COMMON ROLE WHICH MAY BE PLAYED BYDISTRICT & BLOCK ADMINISTRATION

There is common role which may be played by any officer ofdistrict/block administration to speed up rehabilitation work of PWDs.

1. Ensure equal opportunities, protection of r ights & fullparticipation of PWDs as Indian citizen, in all the schemes/programs implemented or monitored by you. (PWD Act, 1995.)

2. Ensure that your office building and other essential amenitiessuch as toilets, waiting room/lobbies, drinking water placesetc. are equipped with ramps, hand railings, auditory signals,written instructions for PWDs to access. Parking near entrancehas to be earmarked. (Section-46 of PWD Act, 1995.)

3. Maintain separate data (disability/sex/caste-wise) of PWDbeneficiaries. You can project this data as and when required,as it is being reviewed/monitored periodically at local/block /district/state and national level.

4. Organise inclusive or exclusive review meetings at regularintervals to review the progress/ hardships related to PWDsunder various schemes.


5. Listen to PWDs carefully and patiently, show minimum humancourtesy within your limits. Guide and refer them toappropriate person/office/agency.

6. Prepare information board in local language about yourschemes/programs and display it at prominent place of youroffice.

7. While preparing schemes/programs, keep PWD population inmind, and evolve such a mechanism that adequate benefitgoes to deserving PWDs.

8. Provide employment in your establishment (permanent,temporary, casual, seasonal, NMR, job work, home-basedetc.) wherever and whenever possible.

9. Maintain a guard file of Govt. O.Ms/Notifications/instructionsschemes etc. related to PWDs and nominate an official whowill look after this work in addition to his/her routine duty.

10. Sensitise your subordinates, make them aware about newGovt. Programs/policies related to PWDs and orient them todeal with PWDs in best possible ways.

11. In order to promote for the cause, you may purchase items/goods, manufactured/sold by PWD entrepreneurs.

�Small Comunity contribution makes big deffirence to bring happiness�VRC arranged Sewing Machines through Mr. Satish Garge M.D.-Capital Ford,for deaf-dumbs girls (25-9-05).From Right to Left : (1) Mr. B.K. Parida, C.E., OAD, (2) Mr. C.R. Pradhan,CMD, NALCO, (3) Mr. Debashish Naik, Minister, I&PR, (4) Smt. Sahanne,President, Aid India, (5) Mr. R.K. Sharma, R.O., VRC, Bhubaneswar.


Chapter-22

AN OVERVIEW OF OTHER CONCESSIONS/PROGRAMS/LAWS

Legal Enactments :

After enactment of PWD Act, 1995, it has become mandatoryresponsibil ity of the Government, both Central and StateGovernment to ensure equal opportunities, protection of rightsand full participation of PWDs. This is an important landmark. TheAct provides both prevention and promotional aspects ofrehabilitation. This Act have been spread over in 14 Chapters and74 Sections which includes Central/State Coordination andExecutive Committee, Prevention and Early Detection, Education,Employment, Affirmative Action, Non-discrimination, Reserarch andmanpower Development, Recognition of Institutions, Institution forpersons with severe disabilities, Appointment and duties of ChiefCommissioner and Commissioners for PWDs, Social Security etc.

The National Trust Act, 1999 is another important law forpersons with Autism, Cerebral Palsy, Mental Retardation andMultiple Disability. The few important objectives of this Trust are(a) To deal with problems of PWDs, who do not have family supportand to promote measures for the care and protection in the eventof death of their parents or guardians; (b) To strengthen facilitiesto provide support to PWDs to live within their own families; (c)To enable and empower PWDs to live as independently as far aspossible within and as close to the community to which theybelong; (d) To facilitate the realization of equal opportunities,protection of rights and full participation of PWDs.

The Rehabilitation Council of India Act, 1992, was passedby the Parliament which came into force with effect from 22ndJune’1993. The basic purpose of this Act was to provide statutorypower to the RCI for carrying out its responsibilities meaningfully.The RCI regulates the training, education of rehabilitationprofessionals/personnel and register their names. The Councilstandardizes curricula and lays down policy parameters.


CONCESSIONS/RELAXATIONS/RESERVATIONS

1. Transport and Fare Concessions

Legal Provisions : Section-44 & 45 of PWD Act,1995 havevarious provisions to prevent discrimination in transport sector.

Section-44 : Establishment in the transport sector shall, withinthe limits of their economic capacity and development for thebenefit of PWDs, take special measures to - (a) adopt railcompartments, buses, vessels and aircraft in such a way as topermit easy access to such persons, (b) adopt toilets in railcompartments, vessels, aircrafts and waiting rooms in such away as to permit the wheelchair user to use them conveniently.

Section-45 : The appropriate Governments and the local authoritiesshall within the limits of their economic capacity and development,provide for - (a) installation of auditory signals at red lights in thepublic roads for the benefit of persons with visual handicap, (b)causing curb cuts and slopes to be made in pavements for theeasy access of wheelchair users; (c) engraving on the surface ofthe zebra crossing for the blind or for persons with low vision; (d)engraving on the edges of railway platforms for the blind or forpersons with low vision ;(e) devising appropriate symbols ofdisability; (f) warning signals at appropriate places.

(I) Train Fare Concession :

Train fare concession is given to both PWDs and their escorts.75% fare concession to VH, MR, OH and 50% fare concession toHH is provided in general class, sleeper class, AC-III tier, ACchair car and ordinary 1st class. 50% fare concession in AC-1stand AC-IInd is also extended from year 2001. 50% fare concessionis given in season ticket. The fare concession is not allowed inRajdhani and Shatabdi Express.

(II) Air Fare concession :

Indian Airlines Corporation allows 50% fare concession indomestic flights to PWDs, who are having 80% or more disability.Escort of PWDs, if any has to pay full fare. The locomotor disabledare allowed to carry a pair of crutches, braces or any otherprosthetic devices free of charge.


(III) Bus fare concession :

The State Governments/Union Territories provide bus fareconcessions to PWDs. The extent of concession and eligibilitycriteria vary from one state to other. The Orissa Government hasallowed 50% bus fare concession to PWDs having 40-50%disability. 100% fare concession to PWDs and 50% fare concessionto their escort is allowed to those PWDs who are having 51% ormore disability.

2. Aids & Appliances :

Legal Provisions :

Ø The appropriate Government shall by notification makescheme to provide aids and appliances to persons withdisabilities. (Section-42 of PWD Act,1995).

Ø The appropriate Government and local authorities shallpromote and sponspor research, inter alia in the area ofdevelopment of assistive device including their psycho-socialaspects---(Section-48-C of PWD Act,1995).

The Ministry of Social Justice & Empowerment providesaids and appliances to PWDs under ADIP scheme on subsidisedrate. (100% subsidy to those whose family income is less thanRs.5,000/- P.M. and 50% subsidy to those whose family incomeis Rs.5001 to Rs.8000/- ).

3. Educational/Vocational/Professional Courses :

Legal Provisions :

Section-26 to 31 and 39 of PWD Act have various provisionsfor education of disabled which are given below :

Section-26 : The appropriate Government and the local authoritiesshall ensure that every child with disabilities (CWDs) has accessto free education and appropriate environment till he attains theage of 18 years---promote the integration of CWDs in normalschools---promote setting up of special schools in Governmentand private sector-to equip the special schools for CWDs withvocational training facilities.

Section-27 : The appropriate Government and the local authoritiesshall by notification make schemes for conducting part time classesto provide functional literacy in the age group of 16 and above,


imparting non-formal education, education through open school/university, provide free special books and equipments needed foreducation.

Section-28 : The appropriate Government shall initiate research fordesigning and developing new assistive devices, teaching aid---.

Section-29: The appropriate Government to set up teachers’ traininginstitutes to develop training manpower to CWDs.

Section-30: Without prejudice to the foregoing provisions, theappropriate Government shal l by not i f icat ion prepare acomprehensive education scheme which shall make for (a) transportfacilities or alternative financial incentives to parents to enabletheir children with disabilities to attend schools ; (b) the removalof architectural barriers from school, college and other institutionsimparting vocational and professional training ; (c) the supply ofbooks, uniform and other materials ; (d) the grant of scholarship;(e) setting up of appropriate fora for the redressal of grievancesof parents, regarding placement of their children with disabilities(CWDs); (f) suitable modification in examination systems toeliminate purely mathematical questions for the benefit of blindstudent and student with low vision ; (g) restructuring of curricularfor benefit of student with hearing impairment to facilitate them totake only one language as part of their curriculum.

Section-31: All educational institutions shall provide or cause tobe provided amanuensis to blind students and students with lowvision.

Section-39 of PWD Act’1995 provides that all Governmenteducational institutions and other educational institutions receivingaid from Government, shall reserve not less than three percentseats for PWDs. Accordingly 3% reservation of seats in education,vocational training, professional course, apprenticeship trainingand higher education have been provided to PWDs.

Ø The Government of India provides Rs.1000/- P.M. scholarshipand tuition fee of Rs.12,000/- per annum whichever is less,for pursuing higher education.

Ø 50 selected polytechnics across the country are impartingformal and non-formal training (3 years Engineering Diplomaand short duration; 3-6 months; vocational/skill developmenttraining) to PWDs free of cost under MHRD scheme. ThePWDs are provided scholarship, travelling allowance, books


& uniform allowance, tool kits/ escort & mid-day foodallowance and free hostel facilities.

Ø The State Governments/Union Territories provide scholarshipto disabled students from Class-1 to Post Graduation leveland for vocational training / professional courses. The OrissaGovernment provides scholarship Rs.100 P.M. to Rs.190P.M.

Ø There is special component (Rs.1200/- per annum per PWD)for PWDs in Sarva Shikshya Abhiyan to ensure 100%enrolment.

Ø There are special schools for severe & profound categoriesof PWDs, either run by the Government or financiallysupported by the Government.

Ø 3% seats in education, training (ITI, Polytechnic,Apprenticeship training, CT/B.Ed. etc.) professional courses(Engineering, Medical, MCA, MBA etc. ) have been reservedfor PWDs.

Ø A writer has been allowed for blind students to write theiranswer in examinations. Similar facilities have been providedto locomotor disabled who are unable to write .

Ø Various kinds of facilities like books, uniform, reader’sallowance to VH, transport allowance to locomotor studentsis provided under integrated education scheme for disabled.

4. EMPLOYMENT

Legal provisions :

Section-32 to 38 and Section-41, 48 (d) and 48 (e) of PWDAct’1995 have various legal provisions regarding identification/reservation of posts, power to inspect record of any establishment,carried forward, interchange, maintenance of record by employer,schemes for ensuring employment and incentive to employers.

Section-33 : Every appropriate Government shall appoint in everyestablishment such percentage of vacancies, not less than 3% forpersons or classes of PWDs, of which 1% each shall be reservedfor persons suffering from - blindness or low vision, hearingimpairment and locomotor disability or cerebral palsy---

Section-35: Any person authorised by the Special EmploymentExchanges in writing shall have access to any relevant record or


document in the possession of any establishment and may enterat any reasonable time and permission where he believes suchrecord or document to be, and inspect or take copies of relevantrecords or documents or ask any question necessary for obtainingany information.

Section-36: If any vacancy under Section-33 cannot be filled thatvacancy shall be carried forward for three recruitment years. Interse exchange among the three categories also allowed in case ofnon-availability of suitable candidate in particular category ofPWDs.---

Section-37: Every employer shall maintain such record in relationto the PWDs employed in his establishment in such form andsuch manner as may be prescribed by the appropriate Government.The records shall be open to inspection by persons may beauthorised by the appropriate Government ---

Section-38 : The appropriate Government and local authoritiesshall by notification formulate schemes for ensuring employmentof PWDs and such schemes may provide for (a) the training &welfare of PWDs, (b) the relaxation of upper age limit , (c) regulatingthe employment, health and safety measures and creating of anon-handicapping environment, (d) constituting the authorityresponsible for the administration of the scheme etc.

Section-41 : The appropriate Government and the local authoritiesshall within the limit of their economic capacity and development,provide incentives to employers both in public and private sectorsto ensure that at least 5% of their workforce is composed ofpersons with disabilities.

Section-48 : The appropriate Government and local authority shallpromote, sponsor research inter alia, in the following areas :

(d) Job identification;

(e) On site modifications in offices and factories.

Central Government Employment :

Ø 3% reservation, (1% each Blindness or low vision, Hearingimpaired, locomotor or cerebral palsy) in appointment to Group- ‘A’, ‘B’, ‘C’ and ‘D’ post/services under Central Government,public sector undertakings & public enterprises filled throughdirect recruitment, have been provided to PWDs.


Ø Inter-se-exchange amongst the three categories of PWDs isallowed. The Head of the Dept. shall be the competentauthority to allow it.

Ø If the vacancies reserved for PWDs are not filled; thereservation shall be carried forward for a period of threerecruitment years.

Ø 3% vacancies/posts in Group-C and Group-D shall becomputed on the basis of vacancies occurring in both theidentified and non-identified posts, but Group’A and Group-B post shall be computed on the basis of vacancies occurringin the identified posts.

Ø 3% statutory reservation, while regularising casual worker,have been provided to PWDs.

Ø The upper age limit will be relaxed as follows :

PWDs SC/ST-PWDs OBC-PWDs

Group �C�/ �D� posts/services 10 15 13

Group �A� & �B� posts/services 05 10 08

Ø The locomotor disabled, who are certified as being unable totype by the medical authority, have been exempted from thetyping qualification.

Ø The relaxation in standard of selection, available for SC/ST,will apply mutatis mutandis to PWDs also.

Ø The PWDs have been exempted from the application/examination fee prescribed in respect of competitiveexamination.

Ø The liaison officer for SC/ST will also act as Liaison Officerin respect of the matter related to PWDs.

Ø Each appointing authority shall furnish a certificate, whilesending requisition to UPSC/SSC etc., that policy relatingto 3% reservation for PWDs has been taken care of.

Ø While inviting application for filling up of vacancies meantfor PWDs, the recruitment authority invariably should indicatesub-categories of PWDs, the exact percentage of disabilityand quota reserved for PWDs belonging to SC, ST, OBC andGeneral.


Ø The PWDs, if otherwise eligible and qualified, may beappointed on unreserved posts also, if such posts areidentified for PWDs.

Ø All the appointing authorities shall notify vacancies to SpecialEmployment Exchange and endorse a copy of their requisitionto the nearest Vocational Rehabilitation Centre of Ministry ofLabour & Employment.

Ø As far as possible, subject to administrative constraints,the disabled employee may be given posting, near theirnative places with in the region. Request for transfer to ornear their native places may also be given preference.

Ø All employer will maintain separate 100 point roster for PWDs.

Ø Broadly, similar facilities to PWDs have been provided bypublic sector banks/financial institutions and public sectorundertakings.

State Government Employment :

The State Governments/Union Territories provide reservationand other facilities for PWDs in Employment. The Government ofOrissa has provided 3% reservation (1% each Blindness or lowvision, Hearing impaired, Locomotor or cerebral palsy) in Group-B gazetted, specially declared gazetted post, Group ‘C’ and Group‘D’ posts/services in State Government and public sectorundertakings, out of which 1% reservation has been earmarkedfor disabled women. Inter se exchange among three categories ofPWDs is allowed. There is provision of carry forward of post fora period of three recruitment years, if post reserved for PWDs notfilled. State Government has allowed 10 years upper age relaxationto PWDs for Group ‘C’ and ‘D’ posts. The employers shall furnishto the local Special Employment Exchange/Cell quarterly returnsin DPER-I and biennial return in DPER-II.

5. SELF-EMPLOYMENT

Legal Provisions :

Section-40, 43(b) and 43(f) of PWD Act, 1995 have statutoryprovision to promote self-employment possibilities of PWDs. Theseprovisions are -


Reservation in poverty alleviation scheme :

Section-40 : The appropriate Government and local authoritiesshall reserve not less than three per cent in poverty alleviationschemes for the benefit of PWDs.

Preferential allotment of land :

Section-43 : The appropriate Government and local authorities shallby notification frame scheme in favour of PWDs for the preferentialallotment of land at concessional rates for -

Sub-Section (b) : Setting up business;

Sub-Section (f) : Establishment of factories by entrepreneurswith disabilities.

RESERVATION & RELAXATION :

Ø 3% reservation in poverty alleviation schemes/programmes(SGSY, SGRY, IAY etc.) and other schemes like KVIC, KVIB,SJSRY have been provided to PWDs. The PWDs belongingto SC/ST or women may avail loan under scheme of NSFDCsand Rastriya Mahila Kosh (RMK). The poor PWDs can availloan under DRI scheme also.

Ø Exclusive NHFDC scheme have been launched (1997) byMinistry of Social Justice & Empowerment to provide financialsuppor t to cross disabi l i ty sector including parentsassociation of MR persons for self-employment and pursuinghigher education.

Ø 10 years upper age relaxation have been provided in PMRY.

Ø 7.5% reservation in allotment of dealership of petroleumproducts, have been earmarked.

Ø Top priority in allotment of STD/PCO have been provided byBSNL.

Ø Self Help Groups of PWDs can be formed with 5 disabledmembers only and subsidy under SGSY is allowed up to50% or 1.25 lakh whichever is less. Micro finance up toRs.25,000/- per member is available under NHFDC scheme.

Ø The Government of Orissa has provided 10% reservation toPWDs for allotment of Government retail shops.


6. BENEFITS FOR DISABLED GOVERNMENTEMPLOYEES

Legal Provisions :

Section-47(1) & 47(2), 48(c), 67(1) & 67(2) of PWD Act’1995have following provisions to safeguard the rights of disabledGovernment employees and to ensure equal rights/participation.

Dispense & Reduction in Rank not allowed :

Section-47(1): No establishment shall dispense with, orreduce in rank, an employee, who acquires a disability during hisservice.

Provided that, if an employee, after acquiring disability isnot suitable for the post he was holding, could be shifted to someother post with same pay scale and service benefits.

Provided further that if it is not possible to adjust theemployee against any post, he may be kept on a supernumerarypost until a suitable post is available or he attains the age ofsuperannuation, whichever is earlier.

Promotion shall not be denied :

Section-47(2) : No promotion shall be denied to a person merelyon the ground of his disability. Provided that the appropriateGovernment may, having regard to the type of work carried on inany establishment, by notification and subject to such conditions,if any, as may be specified in such notification, exempt anyestablishment from the provision of this section.

Research for assistive devices :

Section-48(c) : The appropriate Government and local authoritiesshall promote and sponsor research, inter alia in the area of …development of assistive devices including their psycho-socialaspects;…

Insurance Scheme :

Section-67(1) : The appropriate Government shall by notificationframe an insurance scheme for the benefit of its employees withdisabilities.

Alternative Security Scheme :

Section 67(2) : Notwithstanding anything contained in this section,the appropriate Government may instead of framing an insurance


scheme frame an alternative security scheme for its employeeswith disabilities.

1) a) Reservation in promotion :

When promotions are being made -

(i) Within Group ‘D’, (ii) from Group ‘D’ to Group ‘C’, and (iii)with in Group ‘C’ . 3% reservation will be provided against identifiedpost for the three categories (1% each VH, HH and OH.)

2) Posting/transfer near native place :

Group ‘C’ and ‘D’ disabled employees of Central Government,who have been recruited on regional basis, may be given posting,as far as possible, subject to administrative constraints, neartheir native places in the region. Request for transfer to or theirnative places may also be given preference.

This scope has been extended to disabled employees inGroup ‘A’, ‘B’, ‘C’ and ‘D’ vide D.O.P.T., O.M. No.AB-14017/16/2002-Estt.(Res.), dated 13.2.2002.

3) Posting/Transfer of non disabled employees havingMentally Retarded children :

mentally retarded children need special care for medication,education, vocational training etc. which may not be available atall stations. Ministr ies/Departments are requested to takesympathetic view on the merit of each case and accommodatesuch requests made by Government employee, who have MentallyRetarded children.

4 a) Family pension to disabled children :

according to Rule-54(6) of CCS (Pension) Rule’1972, son ordaughter of a Government servant suffering from any disorder ordisability of mind or is physically crippled or disabled, the familypension shall be payable to such son or daughter for life subjectto some conditions, given in aforesaid rule.

4 c) Spouse can furnish details of handicapped children :

The spouse of the deceased pensioner/Government servanthas been allowed to submit detail of disabled children, which werenot furnished by the later, to the pension sanctioning authority tosettle such family pension cases.


5) Transport Allowance :

Transport allowance at double the normal rates prescribedunder Ministry of Finance O.M. even No. dated 3.10.1997 shall begiven to blind and orthopaedically handicapped.

6) Travelling allowance for interview :

Travelling allowance concession as admissible to SC/STcandidates called for interview and/or written test for appointmentto Group ‘C’ and ‘D’ advertised post, recruitment to which is madedepartmentally (i.e. other than through the UPSC) are alsoadmissible in the same scale to the handicapped ex-militarypersonnel.

7) Discretionary allotment of residential accommodationbased on Supreme Court directions :

Under the provision of SR 317-B-25, in relaxation of therules, the Government may provide discretionary allotment ofresidential accommodation to serving employees on medical groundwithin the overall ceiling of 5% of all types. The allotment shall bemade in the case of employees and their spouses, dependentchildren/parents suffering from T.B., Cancer, heart ailments,blindness or low vision, hearing impairment, locomotor disability/cerebral palsy.

9) Escort Allowed for LTC :

An escor t is al lowed to accompany a handicappedGovernment servant availing LTC.

10) National Award for best employees :

The Government of India, MSJ&E provides National awardsto 20 employees with disabilities. 4 awards (one each VH, HH,OH, MR) are given to best employees which carry a cash awardof Rs.25,000/-, a citation, a certificate and a metal medal.

In addition, 16 awards will be given in these categorieswhich will carry a cash award of Rs.15,000/-, a citation, a certificateand a metal medal each. Seven awards are reserved for womenwith disabilities. If no eligible women applicants are found or noapplications are received from them, these awards will be givento the eligible/selected male applicants. the awards are given on3rd December every year. The MSJ&E provides AC-I/AC-II classfare and lodging-boarding at New Delhi to awardees.


11) Financial assistance to UGC blind teachers :

University Grants Commission (UGC) has made provisionthat the university should consider to make annual provision forReader’s allowance of Rs.3,000/- for purchase of Brailler, recordedmaterial etc. for the blind teachers. The expenditure on this accountcan also be met out of the allocations made for books and journals/equipments under the development plan of the university souniversity can claim UGC assistance for such expenditure. Thecolleges affiliated to university may have some provisions.

7. Other Programmes and benefits :

Ø Income tax exemption (Rs.50,000/- & Rs.75,000/- to PWDswho are having moderate and severe disability respectively)is allowed to PWDs assessees under Section-80U. Thisamount may be deducted from the total income of theassessee. Similar exemption have been allowed to parents/guardians of handicapped dependent (section-80DD). If anyexpenditure incurred towards treatment/maintenance andrehabilitation of a dependent person with disability and/orany deposit made in any scheme framed in this behalf forproviding payment of annuity or lumpsum to handicappeddependent of the assessee this benefit can be availed byeither PWD or the guardian/parents.

Ø 50% exemption in monthly rent on residential phone of blindhave been allowed by BSNL.

Ø Concession in custom up to 50% or Rs.65,000/- whicheveris less, on items to be used by PWDs is allowed.

Ø Postal fee exemption on brail literature/letter by surfacetransport have been provided by Government of India.

Ø Disability pension to poor PWDs is provided by StateGovernment/Union Territories .

Ø The rate of disability pension and eligibility criteria varyfrom one state to other. The Orissa Government providesdisability pension @ Rs.100 per month to poor PWDs.

Ø The Central Government provides National Awards to PWDs,Placement Officers, employers etc. on 3rd December everyyear.


Ø National / International level games/sports, such as BlindCricket, ABILYMPICS, Para-abilympic for CP&MR etc. areorganised periodically.

8. Exclusive Government Institutions for PWDs :

20 Vocational Rehabilitation Centres (VRC), 23 SpecialEmployment Exchanges, 6 National Institutes(NIVH, NIOH, NIMH,NIHH, IPH and NIRTAR) and their regional centres, 11 DistrictRehabilitation Centres(DRCs), 130 District Disability RehabilitationCentres (DDRC), 04 Regional Rehabilitation Centres for personswith spinal injuries, 5 Composite Rehabilitation Centres (CRCs),Artificial Limb Manufacturing Corporation (ALIMCO) and its fiveRegional Marketing/Auxiliary Production Centres, RehabilitationCouncil of India (RCI), National Handicapped Finance DevelopmentCorporation (NHFDC), Chief Commissioner for PWDs (CCD), StateCommissioners for PWDs etc. are rendering rehabilitation &guidance services to PWDs across the country.

9. National Awards

The Government of India, Ministry of Social Justice &Empowerment gives National Awards for the welfare of Personswith Disabilities every year on 3rd December. The main objectiveof the awards is to encourage and recognise the efforts of PWDs/ employees/ placement officers/ institutes/ individuals/ creativeminds etc. The awards are given to disabled employees includingself-employed (out of 20 awards 7 awards are earmarked for womenwith disabilities), employers of the disabled (18 awards), placementofficers (4 awards), individuals (5 awards), institutions (6 awards),technological innovations (1 award), adaptability of innovations toprovide cost effective technology (2 awards), outstanding creativeindividual with disabilities (2 awards), outstanding work done inthe creation of barrier free environment (3 awards), role model (3awards), Best district of the state providing rehabilitation servicesto PWDs (1 award), Best local level committee of National Trust(1 award), Best creative child with disability (2 awards-- one boy,one girl). The award carries cash, a citation, a certificate, a metalmedal/shield. The applications/nominations are being recommendedthrough State/Union Territory. The desirable candidates may contactto following oficials for detail information :


1. The Under Secretary (DD), Ministry of Social Justice &Empowerment, ‘A’ Wing, Shastri Bhawan, New Delhi - 110001.Ph: 01123386314. Fax: 23384918. Website :www.socialjustice.nic.in

2. The Director (DD), Ministry of Social Just ice &Empowerment, 7th floor, ‘A’ wing, Shastri Bhawan, New Delhi-110001. Ph: 011-23387269. Fax: 23384918.

Mr. R.K. Sharma, Auther/Rehabilitation Officer, VRC receiving NationalAward (1999) from Hon�ble President of India, Shri K.R. Narayanan for

his outstanding contribution in placement of persons with disabilities.


PARTICULARS OF RECOMMENDED HANDICAPPED EMPLOYEES/SELF-EMPLOYED HANDICAPPED PERSONS FOR NATIONAL AWARDS

1. Name in English and Hindi :

2. Residential Address :

3. Office Address :

4. Whether self-employed or employee :

5. Scale of pay and salary drawn by the employees :

6. Sex :

7. Age :

8. Nature of disability :

9. Percentage of disability (Certificate of competentAuthority to be attached) :

10. Brief part iculars of academic or technical qual i f icat ions.Qualifications acquired after onset of disability should be clearlyindicated. (Certificate and testimonial should be attached.)

11. Nature of work engaged on :

12. How does his/her productivity compared to that of his non-handicapped counterparts in percentage of 10% more or less.

13. Relations with fellow-employees :

14. Independence in work : Very good Good Poor

15. Monthly income :

16. Mobility and self care : Very good Good Poor

17. Remarks including a brief life sketch of about 200 words of thecandidate highlighting his struggle against the disadvantagecreated by his disability.

18. Punctuality and regularity in attendance :Very good Good Poor

19. Whether any incentive/reward/certificate given to the employee forhis work during last three years :

20. General assessment of the employees :Very good Good Poor

NOTE :

1. In case of self-employed handicapped persons, the particulars may be duly certifiedby a Gazetted Officer of the Central/State Govt./Member of Parliament/Member of StateLegislature/Municipal Councilor of Municipal Corp. etc.

2. Three copies of the photographs clearly showing disability of recommended handicappedemployees/self-employed handicapped persons with bio-data be enclosed.

3. Application should be supported by a Medical Certificate indicating the degree of totaldisability.


Chapter-23

IMPORTANT ADDRESS/TELEPHONE NUMBERS

A. Exclusive Government Institutes in Orissa Working for PWDs

1. The State Commissioner for PWDs, C/o. W&CD Department, Govt.of Orissa, Secretariat, Bhubaneswar, Ph: 0674-2536775. Fax.2406756/2407142

2. Vocational Rehabilitation Centre for Handicapped (VRCH), Govt.of India, Ministry of Labour & Employment, DGE&T, SIRD Campus,Unit-8, Bhubaneswar-751 012, Orissa. Ph: (0674) 2560375

3. Artificial Limbs Manufacturing Corporation (ALIMCO),Govt. of IndiaUndertaking, MSJ&E, S-3/66, Mancheswar Industrial Estate,Bhubaneswar-751010, Orissa. Ph: (0674)2586881/2587670/2580210. Telefax-2587018.

4. National Institute for Rehabilitation Training and Research (NIRTAR)Ministry of Social Justice & Empowerment, Government of India,At. Olatpur, Po: Bairoi, Dist: Cuttack. Ph: (06724)2805552/2805856

5. Training Centre for Teachers of the deaf (TCTD), Ministry ofSocial Justice & Empowerment, Govt. of India, SIRD Campus,Unit-8, Bhubaneswar-751012 . Ph: (0674)2561394.

6. Training Centre for Visually Handicapped (TCTVH), Ministry ofSocial Justice and Empowerment, Government of India. SIRDCampus, Unit-8, Bhubaneswar-751012. Ph: (0674)2561163

7. Regional Rehabilitation Centre for Persons with spinal injuries,SCB Medical College, Cuttack (Orissa). Ph: (0671)2612607

8. State Institute of Disabled Rehabilitation (SIDR), Capital Hospital,Unit-6, Bhubaneswar. Ph: 0674) 2407803

9. Special Employment Exchange for Physically Handicapped, Govt.of Orissa, Unit-5, Bhubaneswar. Ph.: (0674)2410566

10. District Disability Rehabilitation Centre (DDRC), Collectorate,Kalahandi (Orissa). Ph: (06670)232115

11. District Disability Rehabilitation Centre (DDRC), Campus of BDOOffice, Mayurbhanj

12. District Disability Rehabilitation Centre (DDRC), Working Women’sHostel, Sambalpur (Orissa)(There are 3 more Centres under NPRPD scheme at Koraput,Phulbani & Khurda.)

13. National Handicapped Finance Development Corporation, Govt.of India, Ministry of Social Justice & Empowerment, C/o. MahilaVikas Samabay Nigam, A-30, Bhauma Nagar, Unit-4,Bhubaneswar-751001, Ph-0674-2502355/2502254/2502245


B. Local Head Offices of Nationalised Banks in Orissa

Sl.No.

Telephone & Fax

Office Residence FaxDesignation & Address of the Officer

1. Asst. General ManagerALLAHABAD BANK, 2557563 2561291 2557564Regional Officer, Plot No.3/1B, 9437027563IRC Village, Civic Centre,Nayapalli, Bhubaneswar-751015

2. Dy. General Manager,ANDHRA BANK, 2554599 2407476 2550757Zonal Office, M/14, Baramunda H.B. Colony, 9861029445In front of Rajdhani College,Bhubaneswar-751003

3. Zonal Manager,BANK OF INDIA, 2559244 - 2559247Regional Office, 1/1D, Jayadev Vihar,Zonal Office, Nayapalli, Bhubaneswar-751015

4. Regional Manager,BANK OF BARODA, 2517435 2562363 2516814Regional office, Plot No. 171, 9437033554Bhoum Nagar, Unt-4, Bhubaneswar-751001

5. Asst. General Manager,CANARA BANK, 2401956 2430357 2413012Regional Office, Red Cross Bhawan, 94370466901st Floor, Bhubaneswar-751022

6. Asst. General Manager,CENTRAL BANK OF INDIA, 2534025 2520944 2534025Regional Office, Plot No. 94, Janpath,Unit-3, Bhubaneswar-751001

7. Branch Manager,CORPORATION BANK, 2361137 - 2534570Jayadev Nagar, Biju Patnaik College Road,Bhubaneswar-751013

8. Branch Manager,STATE BANK OF MYSORE, 2533865 2404304 2535413IDCOL House, Unit-3, Bhubaneswar

9. Senior Branch Manager,VIJAYA BANK, 2533085 2430085 2535194148, Ashok Nagar, Bhubaneswar-751001

10. General Manager,I D B I 2542153 2561148 2543442IDBI House, Janpath, Bhubaneswar-751022 9861028060

11. Dy. General Manager,INDIAN OVERSEAS BANK, 2544171 2401480 2541215Regional Office, B-2, Saheed Nagar, 9861021171Station Square, Bhubaneswar-751007


12. Chief General Manager,NABARD, 2553884 2302467 2552019Regional Office, 2/1, Nayapalli,Civic Centre, Bhubaneswar-751015

13. Branch Manager,ORIENTAL BANK OF COMMERCE, 2504756 2407476 2546209Alok Bharati Building, Saheed Nagar,Bhubaneswar-75107

14. Branch Manager,PUNJAB & SIND BANK, 2533533 2555170 -150, F&G, Ashok Nagar, Bhubaneswar

15. Senior Regional Manager,PUNJAB NATIONAL BANK, 2535613 - 2534506Regional Office, Plot No. 116,Station Square, Madhukunj Building,First Floor, Bhubaneswar-751001

16. Chief Manager,BANK OF MAHARASTRA, 2560432 2554557 -N. B. Tower, Nayapalli, Bhubaneswar-751012

17. Branch Manager,DENA BANK,Kharavel Nagar, 78, Janpath, Bhubaneswar 2534570 2740613 -

18. General Manager,S I D B I, 2410156 2408053 24044764th Floor, OCHC Building, Near Ram Mandir, 9437030156Janpath, Bhubaneswar-751001

19. Regional Manager,SYNDICATE BANK, 2555676 2551506 2555425Regional Office, F-4, 2nd Floor,Indradhanu Market Complex, IRC Building,Nayapalli, Bhubaneswar-751015

20. Chief Regional Manager,UNITED BANK OF INDIA, 2314532 2599812 2314531Regional Office, A-88, Kalpana Area,BJB Nagar, Bhubaneswar-751014

21. Asst. General Manager,UNION BANK OF INDIA, 2558850 2551040 2557174Regional Office, Civic Centre,Nayapalli, Bhubaneswar-751015

22. Branch Manager,STATE BANK OF HYDERABAD, 2544560 - 2544560367, Saheed Nagar, Bhubaneswar-751007

23. Deputy General Manager,UCO Bank, 2532226 2303040 25302890Regional Office, C-2, Ashok Nagar,Bhubaneswar-751001

24. Asst. General Manager,INDIAN BANK, 2535194 2435868 2535194Plot No. 117/118, Station Square,Bhubaneswar Pin: 751 001


Sl. No.

D istrict STD Code

O ffice Residence Fax

1. Angul 06764 230567 230234 230685 2. Balasore 06782 262001 262003 262208 3. Bargarh 06646 232340 230041 231300 4. Bhadrak 06784 250436 240220,

240100 240800

5. Bolangir 06652 232223 232001 233082 6. Boudh 06841 222203,2

22334 222204 222204

7. Cuttack 0671 2608100 2301001 2301103 8. Deogarh 06641 226354 226353 226301 9. Dhenkanal 06762 225601 226500 225601 10. G ajapati 06815 222397 222396 222464 11. Ganjam 06811 263700 263800 263344 12. Jagatsinghpur 06724 220379 220199 220299 13. Jajpur 06728 222001 222330 222087 14. Jharsuguda 06645 270070 270400 270868 15. Kalahandi 06670 230201 230233 230303 16. Kandham al 06842 253602 253601 253905 17. Kendrapara 06727 232601 232802 232602 18. Keonjhar 06766 255401 255410 254298 19. Khurda 06755 220001 2536969 221567 20. Koraput 06852 250700,

250477 250255 250466

21. M alkangiri 06861 230323, 230232

230345 230356

22. M ayurbhanj 06792 252606, 252617

252601 252221

23. Nawarangpur 06858 222034 222345 222344 24. Nayagarh 06753 252333 252240 252566 25. Nuapada 06678 223464,

223480 223464 223465

26. Puri 06752 222034 222033 223939 27. Rayagada 06856 222354 222345 222770 28. Sambalpur 0663 2400222 2400001 2404006 29. Subarnapur 6654 220201,

220314 220353, 220363

220345

30. Sundergarh 0661 272265 272225 273166

C. District Magistrates-cum-Collectors


D. Project Directors, DRDA

Sl. No. District STD Office Res. Fax

1 2 3 4 6 7

1. Angul 956764 230144/231484 231248 230685

2. Balangir 06652 232863 232279 233082

3. Balasore 956782 262647 262189 262208

4. Baragarh 956646 234499 235041 241300

5. Bhadrak 956784 242864 252910 252800

6. Boudh 956841 222186/222741 222430 222204

7. Cuttack 95671 2618809 2303035 2601103

8. Deogarh 956641 226330 226217 226301

9. Dhenkanal 956762 224761 224484 232717

10. Gajapati 06815 222420 222208 222464

11. Ganjam 956811 262965 263666 263344

12. Jagatsinghpur 956724 231091 220136 220299

13. Jajpur 956728 222054 223881 220087

14. Jharsuguda 06645 272997 270450 262228

15. Kalahandi 06670 230334 230870 230303

16. Kandhamal 06842 253696 253709 253905

17. Kendrapara 956727 220064 220860 222802

18. Keonjhar 956766 255538 255492 254258

19. Khurda 956755 220755 222245 220688

20. Koraput 06852 250376 250377 250466

21. Malkangiri 06861 230409 220246 230356

22. Mayurbhanj 06792 260318 252319 252221

23. Nayagarh 956753 252051/2338400 252540 252566

24. Nawrangpur 06858 222372 239002 222344

25. Nuapada 06678 223476 223353 223465

26. Puri 956752 222136/225441 250523 223939

27. Rayagada 06856 222309 222712 222770

28. Sambalpur 0663 2410992/2410970 2411245 2404006

29. Sonepur 06654 220366 22330 220345

30. Sundergarh 06622 273873 273872 273874


E. Lead District Managers (LDMs)

Sl. Address STD Code PhoneNo. Office1. The Lead District Manager, 06764 231125

C/o.UCO Bank,2nd Line, Amalapada,At/Po/Dist: Angul-759 122

2. The Lead District Manager, 0684 22206C/o. SBI,Butapalli, At/Po/dist: Boudh

3. The Lead District Manager, 06646 232690C/o.SBI,Canal Avenue, Punjabi Pada,Bargarh-768 028

4. The Lead District Manager, 06652 232509C/o. SBI,Regadipada, Bolangir-767001

5. The Lead District Manager, 06782 262486C/o. UCO Bank,Near North Hostel, Jail Road,Balasore-756 001

6. The Lead District Manager, 06784 241631C/o.UCO Bank,At : NH-5, Jagannathpur,Bhadrak

7. The Lead District Manager, 0671 245070C/o. UCO Bank,Bajrakabati Road,Cuttack-753 001

8. The Lead District Manager, 06762 224652C/o. UCO Bank, Kunjakanta,Dhenkanal - 759 001

9. The Lead District Manager, 06641 226453C/o. State Bank of India,At/Po/Dist: Deogarh

10. The Lead District Manager, 06815 222212C/o.Andhra Bank,Parlakhemundi,Dist:Gajapati-761200

11. Lead District Manager, 0680 202399Andhra Bank, China Bazar,Berhampur-760 006,Dist: Ganjam

12. The Lead District Manager, 06724 220656C/o.UCO Bank : Sana Bazar,Jagatsinghpur-754 103


13. The Lead zDistrict Manager, 956728 222036C/o.SBI,ADB, NC, College Road,At/Po/dist: Jajpur

14. The Lead District Manager, 06645 227079C/o. SBI, Jharsuguda

15. The Lead District Manager, 06670 230440C/o. SBI, Hathisalpada,Bhawanipatna-766 001,Dist: Kalahandi

16. The Lead District Manager, 06727 220941C/o.SBI, Near Bus Stand,Kendrapada-754211

17. The Lead District Manager, 06766 255297C/o.Bank of India,Mining Square,Keonjhar-758001

18. The Lead District Manager, 0674 2530516C/o. SBI, Khurda

19. The Lead District Manager, 06852 250252C/o.SBI, Koraput-764 020

20. The Lead District Manager, 06792 252306C/o.Bank of India,Hospital Road, Lal Bazar,Baripada-757001, Mayurbhanj

21. The Lead District Manager, 06858 222536C/o. SBI,Teli Sahi, Nawrangpur-764 059

22. The Lead District Manager, 06678 223421C/o. SBI, ADB,At/Po/dist: Nuapada (Orissa)

23. Lead District Manager, 06752 2223532UCO Bank, Sadar Thana Square,Dutta Tota, Puri - 752 001

24. The Lead District Manager, 06842 253766C/o. SBI, Phulbani-762 001

25. Lead District Manager, 06858 223418State Bank of India,Rayagada, Dist: Rayagada

26. Lead District Manager, 0663 2521445State Bank of India, Budharaja,Near Arun Sakti Nursing Home,Sambalpur

27. The Lead District Manager, 0661 4173357C/o. SBI, Mohanty Pada,Sundergarh-770001


F. General Managers of District Industries Centres (DICs)

Sl. Name of the DIC Telephone NumbersNo. Code Office Residence

Seventeen old DICs1. Balasore 06782 2362168 23624392. Bhubaneswar 0674 2580146 24351873. Balangir 06652 232085 2325884. Cuttack 0671 2344852 23006605. Dhenkanal 06762 224552 2245746. Berhampur 0680 2290715 2049617. Jagatpur 0671 2491573 25902388. Kalahandi 06670 232637 2301539. Keonjhar 06766 255418 255466

10. Koraput 06854 230981 24161111. Mayurbhanj 06792 252670 25226012. Phulbani 06842 253239 25333113. Puri 06752 223394 22408714. Rayagada 06856 22300215. Rourkela 0661 2507967 264662716. Sambalpur 0663 2411487 241276717. Sundergarh 0661 4172236 4172294

14 new DICs18. Angul 06764 233781 23687519. Baragarh 06646 23377220. Bhadrak 06784 240472 25157721. Boudh 06841 2271422. Deogarh 06641 226054 2714423. Gajapati 06815 2208424. Jagatsinghpur 06724 221707 233425425. Jharsuguda 06645 272029 27178526. Kendrapara 06727 22016827. Malkangiri 06861 230338 (PP)

28. Nuapada 06678 22268629. Nayagarh 06753 253783 255062630. Nawrangpur 06858 22230331. Sonepur 06654 220865


G. District Branches of Orissa SC/ST Finance DevelopmentCorpn. (OSFDC)

Sl. District Designation STD Telephone

No. code No.

1. Angul District Welfare Officer-cum-District Manager 06764 231173

2. Balasore District Manager 06782 2363025

3. Bargarh District Welfare Officer-cum-District Manager 06646 22656

4. Bhadrak District Welfare Officer-cum-District Manager 0678 250330

5. Bolangir District Manager 06652 232683

6. Boudh District Welfare Officer-cum-District Manager 06841 22279

7. Cuttack District Manager 0671 2312968

8. Deogarh District Welfare Officer-cum-District Manager 06641 26407

9. Dhenkanal District Manager 06762 234510

10. Gajapati District Welfare Officer-cum-District Manager 06815 22825

11. Ganjam District Manager 0680 206718

12. Jagatsinghpur District Welfare Officer-cum-District Manager 06724 20429

13. Jajpur District Welfare Officer-cum-District Manager 06728 20661

14. Jharsuguda District Welfare Officer-cum-District Manager 06645 273402

15. Kalahandi District Manager 06670 230793

16. Kendrapada District Welfare Officer-cum-District Manager 06727 232160

17. Keonjhar District Manager 06766 255382

18. Khurda District Welfare Officer-cum-District Manager 06755 2221169

19. Koraput District Manager 06852 251483

20. Mayurbhanj District Manager 06792 260863

21. Malkangiri District Welfare Officer-cum-District Manager 06861 230408

22. Nabarangpur District Welfare Officer-cum-District Manager 06858 22461

23. Nayagarh District Welfare Officer-cum-District Manager 06753 252516

24. Nuapada District Welfare Officer-cum-District Manager 06756 23479

25. Phulbani District Manager 06842 253515

26. Puri District Manager 06752 223662

27. Rayagada District Manager 06856 22337

28. Sambalpur District Manager 0663 2410311

29. Sonepur District Welfare Officer-cum-District Manager 06654 20372

30. Sundergarh District Welfare Officer-cum-District Manager 06622 272496


H. District Social Welfare Officers (DSWOs)

Sl.No. District Code No. Office Res

1 Angul 956764 231820

2 Balesore 956782 262460 262515

3 Bargarh 956646 247009 231610

4 Bhadrak 956784 250164

5 Bolangir 956652 232397 231314

6 Boudh 956841 222442

7 Cuttack 95671 2607822

8 Deogarh 956641 226845 226842

9 Dhenkanal 956762 224481 225854

10 Gajapati 956815 222025 223295

11 Ganjam 956811 263968 262460

12 Jagatsinghpur 958724 220865

13 Jajpur 956728 223075 223210

14 Jharsuguda 956645 270893

15 Kalahandi 956670 230537 230926

16 Kandhamal 956842 253694

17 Kendrapara 956727 232004

18 Keonjhar 956766 255557 254876

19 Khurda 956755 221902 2593767

20 Koraput 956852 251308 251465

21 Malkangiri 956861 230521 230485

22 Mayurbhanj 956792 252268 253784

23 Nawarangpur 956858 223122 222952

24 Nayagarh 956753 253433 253340

25 Nuapada 956678 223549 223565

26 Puri 956752 223350 221058

27 Rayagada 956856 223076 225154

28 Sambalpur 95663 2410557 2412036

29 Sonepur 956654 220403 220080

30 Sundargarh 956622 273161 273128


I. District/Special Employment Exchanges & University Bureausof Orissa

Sl.No. Place Code Office1. Angul 956764 2302162. Balasore 956782 2621663. Baripada 956792 2527474. Baragarh 956646 2461965. Bolangir 956652 2320676. Bhawanipatna 956670 2306287. Berhampur 95680 2806438. Bhadrak 956784 2317179. Boudh 06841 222263

10. Cuttack 95671 262105611. Deogarh 956641 22646912. Dhenkanal 956762 22665313. Gajapati 956815 22273114. Jajpur Town 956728 22265915. Jharsuguda 06645 27243716. Jagatsinghpur 956724 22046717. Koraput 956852 25120718. Kendrapara 956727 23212419. Keonjhar 956766 25544920. Khurda (BBSR) 95674 241074421. Nayagarh 956753 25262522. Nuapada 956678 22337123. Nawrangpur 956858 22247124. Malkangiri 956861 23042725. Phulbani 956842 25362626. Puri 956752 22275727. Rourkela 95661 250444628. Rayagada 956856 22313329. Sambalpur 95663 241108630. Sonepur 956654 22000731. UEI&GB, Sambalpur 9566332. UEI&GB, Berhampur 95680 24242233. Empl.Exch. for SC&ST, BBSR 95674 240351534. Spl. Empl.Ex..for PH, BBSR 95674 241056635. State Empl. Exch., BBSR. 95674 240608736. UEI&GB, OUAT Bhubaneswar 95674 240573837. UEI&GB, Bhubaneswar 95674 2580736


J. Chief District Medical Officers (Cdmos) Of Orissa

Sl. No. Designation & Address Code Office Res.

of the Officer

1. Angul 06764 232507 231302

2. Bolangir 956652 232243 234554

3. Balasore 956782 262011 265545

4. Bhadrak 956782 251866

5. Bargarh 956646 232804 232804

6. Boudh 956841 222478 222495

7. Cuttack 95671 2301007 2649871

8. Dhenkanal 956762 226423

9. Deogarh 956641 226428 226480

10. Ganjam 95680 2225383 2225188

11. Gajapati 956815 222205 222567

12. Jagatsinghpur 956724 220064 220401

13. Jajpur 956728 222597 222806

14. Jharsuguda 956645 273104 273578

15. Kondhamal 956842 253249 253349

16. Khurda 956755 221419 2554512

17. Keonjhar 956766 255525 254942

18. Koraput 956852 250242 251234

19. Kendrapara 956727 232171 232151

20 Kalahandi 956670 233761 230004

21. Mayurbhanj 956792 252671 252615

22. Malkangiri 956861 230277 230326

23. Nuapara 956678 223346 223347

24. Nabarangpur 956858 222057 223022

25. Nayagarh 956753 252189 253587

26. Puri 956752 222124 222031

27. Rayagada 956856 235603 222959

28. Sambalpur 95663 2401843 2400033

29. Sundergarh 956622 272201 272244

30. Sonepur 956654 220209 220005