DADWO - TAHDCO
Tamil Nadu Adi-dravidar Housing & Development Corporation Came in to existence in 1974 and with last 28 years it has been implementing various schemes and programme for the welfare and development of scheduled castes and scheduled tribes people. It is owned by the Government of Tamil Nadu.
The following schemes are implemented by this corporation (A) Agriculture & allied Activities (B) Industrial service and Business activities.
SC / ST People below poverty line they should produced following documents at the time of applying the loan’s 1. Community Certificate. 2. Family Card copy 3. Annual Income Certificate. 4. Photo 5. Chitta, Adangal of property. Age limit 18 to 50 years.
A. Minimum to Maximum unit cost Rs 6000/- to 30,000/- subsidy 50% of the project cost or Maximum Rs. 15,000/- whichever is less promoters contribution 5% Institutional finance – Balancing figures.
B. Average Unit cost Rs 40,000/- subsidy 30% of the project cost or Maximum Rs 12,000/- whichever is less promoter contribution 5%, Institutional finance balancing figures.
C. Individual Enterpreneur Scheme:
The below poverty line and above Poverty line people can be applied to the above scheme. Any income generating project shall be considered under this scheme.
Eligibility Criteria : All SC people, No income ceiling.
A,B & C Scheme’s Procedure for processing the applications;
Applications are received from GDP, MCP and other VIP persons. In addition to that, at the time of receiving Government orders wide publicity will be given by the District Collector in the News Papers.
After getting the sufficient applications from the public a selection committee will be screened the eligible persons and recommending the applications to the Bank with block level. The screening Committee consist of the following officers.
- District Manager, TAHDCO
- General Manger, DIC
- District Employment Officer
- Representative of the Lead Bank
- Representative of the service area Bank / Branch.
Under Individual Entrepreneur Schemes after getting provisional sanction orders from the Bank Final selection is done by the District Level project committee. The Project committee consists of the following officers.
For Projects upto Rs. 1 Lakh
1. Additional Collector / Project Officer, DRDA, Chairman
2. District Manager, Tahdco
3. General Manager, DIC
4. Lead Bank Manager
5. District Employment Officer.
For Projects more than Rs. 1 lakhs.
1. District Collector – Chairman
2. District Manager Tahdco
3. Project Officer, DRDA
4. General Manager, DIC
5. Lead Bank Manager
Once the Project committee selects the beneficiaries, the District Manager Tahdco will collect the promotors contributions and obtained the documents from the beneficiaries for Tahdco. Margin money and will issued nodal proceeding for the release of subsidy. Margin money along the promotors contribution for the sanction of loans by the Bank and for the creations of assests.
Subsidy : 30% of the Project cost or Rs 25,000 whichever is less.
Margin Money: 20% of the Project cost or Rs. 1.25 lakhs which ever is less. The margin money is recoverable at 4% interest and the recovery period shall be in consonance with the number of installments of the financial Institution. Promotors contribution 5% Institutional Finance : Balance Amount.
D. Training Scheme:
Job-oriented training shall be for the program. The duration of the training shall be 6 months to one year, depending on the field of training. Efforts will be made to import Technical / Vocational skills which ever is high demand and provide attractive remuneration on employment.
Procedure for processing the applications:
Institutions to be selected by the District Collector. Applications may be selected by the Advertisements District Manager may be select the applicants.
According to the norms of various Training Institutions. Both men & women between the age group of 18 to 35 be considered Educational Qualification. Asper the Stipulations of the Instituter.
The average unit cost is Rs. 10,800 per annum, with the following break up
Trainees stipend : RS. 400 X 12 months = Rs. 4,800-
Institutional Fee : Rs. 500 X 12 months = Rs. 6,000-
(E) One year Computer Training
For imparting one year computer training head office will select the Institutes through Tender system and the computer Training will be conducted at various centres in the District. The Computer training given by APTECH.
Procedure for processing the application
The Institute and District wise centres will be decided by Head Office and intimation will be sent to District Manager. The District Manager will select the candidates by calling for applications through Advertisement Duration 12 months.
The Institutional Fee will be paid by Head Office divert from SC A. Students at the District level will be paid stipend at Rs. 400/- per month from SC a by District Manager.
(F) Training to self-help group through DEW/DRD
This programme is to be implemented in association with Tamil Nadu corporation for Development of women.
As stipulated by Tamil Nadu Corporation for woman Development for woman. Through the Group already in existence with the Project Officer (Mathi).
The institutional fee and stipend to trainees will be directly paid by Managing Director to Chairman and Managing Director (Mathi) Chennai.
(E) NSDFDC Scheme (Both for SC/ST)
Any Viable income generating project shall be considered under this scheme, income celling – as per NSFDC guidelines. Annual family income should not exceed double poverty line income limits Rs. 31,952/- per annum for rural areas and Rs. 42,412 per annum for urban areas.
Procedure for Processing the applications:
The candidates by calling for applications through advertisment.
Selection of Beneficiaries:
The Government in the G.O.Ms.No.54(AD&T.W.Dept) Dated: 19.4.99 has prescribed a two stage procedure for selection of the beneficiaries.
In the First stage the applications from the applicants will be scrutinised by a committee consisting of the following:
1. District Manager Tahdco
2. General Manager DIC
3. District Adi-dravidar and Tribal welfare officer.
Once the applications are scrutinised the Final selection will be made by a District level Committee consisting of the following :
1. Project Officer, DRDA
2. District Manager, Tadhco
3. General Manager, DIC
4. District Adi-Dravidar and Tribal Welfare Officer
5. A representative from the head office Tahdco
The selected persons details will be submitted to
Subsidy : 30% of the project cost or 25,000 whichever is less.
Margin Money: 20% of the Project cost or Rs 1.25 lakhs whichever is less. The margin money will be recoverable 60 monthly installment with 4% interest.
NSFDC term loan : Balance amount. The Term Loan will be recovered 60 installment with 7% interest.
(H) N.S.K.F.D.C Schemes: (Individual Loans)
Any viable income generating project shall be consider under this scheme.
Procedure for Processing the application:
Model application form will supply to the Executive Officer. Town Panchay office along with eligible details. After getting application from Executive Officer (Town Pahchayat) The District Manager will inspect the area of the applicant and recommended to Managing Director Tahdcho, Chennai along with F.I.R. for getting funds.
After getting funds from Managing Director necessary documentation will be obtained from the beneficiaries and then release the funds.
Both the safai karam
Financial Pattern : Project cost Rs. 6000 to 50000/-
Subsidy : 30% of the project cost or Rs. 1.25 lakhs whichever is less.
Promotors contribution: 5% of the project cost.
NSKFDC term loan: Balance amount.
(I) Sanitary Mart Scheme:
This is a group scheme. Each group may consist of 20 to 25 scavengers or their dependents. Any income generating venture can be started under this scheme. Maximum unit cost Rs. 20,000/-
Subsidy: 50% of the project cost or Rs. 10,000/- which ever is less.
Margin Money: 15% of the Project cost or 3000 which ever is less. The margin money will be recoverable 60 monthly installment with 4% interest.
NSKFDC Term Loan: Balance or Rs. 7000/- which ever is less. The Term Loan will be recoverable 60 monthly installments with 7% interest.
(J) Fasted Scheme: (Financial Assistance for Scheduled Tribes Economical Development Scheme)
The Scheduled Tribes people can be assisted under this scheme. Any income generating venture can be started under this scheme.
Under this scheme unit cost Rs.6000/- to Rs. 7.50 lakhs.
a. Upto Rs. 50,000 /- unit cost
Subsidy : 50% of the Project cost
Margin money : 15% of the Project cost
Promotors contribution : 5% of the project cost
Bank Loan : 30% of the project cost.
b. Project cost Rs. 50,000 to 7.50 lakhs
subsidy : 30% of the project cost or 25000 which ever is less
Margin money: 20% of the Project cost or 1.25 lakhs which is less.
Promotors contribution : 5% of the project cost
Bank loan: 45% of the Project cost.