Indira Gandhi Urban Credit Card Scheme 2022: Apply Online, Eligibility and Benefits

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Indira Gandhi Shehri Credit Card Yojana Apply Online | Indira Gandhi Urban Credit Card Scheme Online Application | Indira Gandhi Shehri Credit Card Yojana Application Form

As you all know the employment of every citizen has been affected due to Coronavirus infection. In such a situation, various types of schemes are being started by the government to create employment. Today we are going to provide you information related to one such scheme started by the Government of Rajasthan. Whose name is Indira Gandhi Urban Credit Card Scheme . Through this scheme, loans will be provided to the small traders of the state. By reading this article you will get complete information related to this scheme. Such as the process of applying online under this scheme. Apart from this, the purpose of this scheme, benefits, features, eligibility, important documents etc. So if you want Indira Gandhi Shehri Credit Card Yojana If you want to get the benefit, then you are requested to read this article of ours till the end.

Indira Gandhi Shehri Credit Card Yojana 2022

The Indira Gandhi Urban Credit Card scheme has been launched by the Chief Minister of Rajasthan, Ashok Gehlot . Through this scheme, loans up to ₹ 50000 will be made available to small traders, vendors, hand cart traders and citizens providing services in the unorganized sector, who have become unemployed due to coronavirus infection. So that small traders can face financial crisis. Circular has also been issued by the Finance Department of Rajasthan for the operation of this scheme. Under this scheme, unemployed youth will be provided financial support. Apart from this, through this scheme the ill-effects of informal trade due to lockdown will be reduced.https://platform.twitter.com/embed/Tweet.html?dnt=false&embedId=twitter-widget-0&features=eyJ0ZndfZXhwZXJpbWVudHNfY29va2llX2V4cGlyYXRpb24iOnsiYnVja2V0IjoxMjA5NjAwLCJ2ZXJzaW9uIjpudWxsfSwidGZ3X2hvcml6b25fdHdlZXRfZW1iZWRfOTU1NSI6eyJidWNrZXQiOiJodGUiLCJ2ZXJzaW9uIjpudWxsfSwidGZ3X3NwYWNlX2NhcmQiOnsiYnVja2V0Ijoib2ZmIiwidmVyc2lvbiI6bnVsbH19&frame=false&hideCard=false&hideThread=false&id=1426181861601128448&lang=en&origin=https%3A%2F%2Fpmmodiyojana.in%2Findira-gandhi-shehri-credit-card-yojana%2F&sessionId=c5d8b48d3c2524b299f455ceba9306e91fcc4e10&theme=light&widgetsVersion=75b3351%3A1642573356397&width=550px

The loan received under this scheme will be interest free. This scheme will be applicable for 1 year. You do not need to give any kind of guarantee to get the loan under this scheme. Applications can be made under this scheme till 31 March 2022. The period of moratorium of the loan has been fixed at 3 months. The beneficiary has to repay the loan within a period of 12 months.

Indira Gandhi Urban Credit Card Scheme

The draft of Indira Gandhi Urban Credit Card Scheme has been approved

As you all know, Indira Gandhi Urban Credit Card Scheme has been started to provide employment opportunities in urban areas. Under this scheme, street vendors of urban areas and unemployed youth of service sector will be provided with guarantee-free loans. This loan will be of ₹ 50000. The draft of this scheme has been approved by the Government of Rajasthan on 16 August 2021. The draft of this scheme has also been approved by the Chief Minister of Rajasthan, Ashok Gehlot. The announcement of starting this scheme was made in this year’s budget to provide financial resources for employment, self-employment and daily needs in view of coronavirus infection.

Indira Gandhi Urban Credit Card Scheme Nodal Officer and payment of amount

District Collector will be the nodal officer of Indira Gandhi Urban Credit Card Scheme in the district. Beneficiaries will be verified by the sub-divisional officer. The expenditure under this scheme will be borne by the state government. The loan amount can be withdrawn by the beneficiary through credit card or debit card in one or more installments till March 31, 2022. The loan amount will be repaid in 12 equal installments from the fourth to the 15th month. Under this scheme, no pre-process fee will be recovered from the beneficiary for providing loan. Loans will be made available to about 5 lakh citizens on first come first serve basis .

Under this scheme, loans will be provided by scheduled commercial banks, regional rural banks, small finance banks, co-operative banks and non-banking finance companies. Beneficiaries will be identified at the district level on the basis of the certificate issued to the vendor by the local urban faculty.

Key Highlights Of Indira Gandhi Shehri Credit Card Yojana 2022

scheme nameIndira Gandhi Urban Credit Card Scheme
who startedGovernment of Rajasthan
beneficiarycitizens of rajasthan
Objectiveproviding credit
Official websitewill be launched soon
Year2022
loan amount₹50000
StateRajasthan
Application Typeonline/offline

Implementation of Indira Gandhi Urban Credit Card Scheme

For the implementation of Indira Gandhi Shehri Credit Card Yojana 2022 , a screening committee will be constituted by the ULB under the chairmanship of an authorized municipal commissioner or EO or other representative. This Screening Committee will undertake the task of releasing the loan. The committee will consist of District Lead Manager, Representative of District Industries Center, Senior Branch Manager of the Bank as members. Apart from this, the authorized representative or District Project Officer on behalf of the ULB will be the convener of this committee. The applications received by the committee will be scrutinized and physical verification will be done. After which the loan will be made available to the beneficiaries . Web portal and mobile app will be developed for the implementation of this scheme. The implementation of this scheme will be done by Anuja Nigam for the citizens of Scheduled Castes, Scheduled Tribes and Other Backward Classes of all urban areas.

Beneficiaries of Indira Gandhi Urban Credit Card Scheme

  • hairdresser
  • Rickshawwala
  • Potter
  • eat cobbler
  • Mechanic
  • Tailor
  • Washerman
  • painters
  • taps electricians etc.

Purpose of Indira Gandhi Shehri Credit Card Yojana 2022

The main objective of this scheme is to provide financial support to the youth who have become unemployed due to the lockdown caused by coronavirus infection. so that he can restore his business. Self-employment opportunities can also be developed in urban areas through this scheme. This scheme will also prove to be effective in reducing the impact of coronavirus infection in the informal business sector. The unemployment rate of the state will also come down through the Indira Gandhi Urban Credit Card Scheme 2022 . All eligible citizens can restore their employment by taking advantage of this scheme. The standard of living of the citizens of the state will also improve through this scheme.

Benefits and Features of Indira Gandhi Urban Credit Card Scheme

  • Indira Gandhi Shehri Credit Card Yojana 2022 has been started by the Chief Minister of Rajasthan, Ashok Gehlot.
  • Through this scheme, a loan of up to ₹ 50000 will be made available to the citizens who have become unemployed due to coronavirus infection.
  • The loan provided under this scheme will be completely interest free.
  • Applications can be made under this scheme till March 31, 2022.
  • You do not need to give any kind of guarantee to get the loan.
  • The period of moratorium of the loan has been fixed at 3 months.
  • The beneficiary has to pay the loan within a period of 12 months.
  • District Collector will be the nodal officer of this scheme in the district.
  • Beneficiaries will be verified by the sub-divisional officer.
  • The expenditure under this scheme will be borne by the state government.
  • The loan amount can be withdrawn through credit card or debit card.
  • This withdrawal can be made in one or more installments till March 31, 2022.
  • The amount will be paid in 12 equal installments over 4 to 15 months.
  • The beneficiary will not have to incur any pre-process fee for availing the loan.
  • Loans will be made available to about 5 lakh beneficiaries through this scheme on first come first serve basis.
  • Through this scheme the unemployed citizens will be able to face the financial crisis.
  • The ill-effects on business due to the lockdown due to coronavirus infection can also be reduced through this scheme.

Eligibility of Indira Gandhi Shehri Credit Card Yojana 2022

  • Applicant should be a permanent resident of Rajasthan.
  • Applicant’s age should be between 18 to 40 years.
  • To get the benefit of this scheme, the monthly income of the application should be ₹ 15000 or less.
  • The monthly income of the applicant’s family should be ₹ 50000 or less.
  • All those small traders who have been given a certificate or identity card by the urban body are also eligible for this scheme.
  • The traders left in the survey or the beneficiary wonder who have the recommendation letter of the Town Vending Committee will also be eligible for this scheme.
  • The vendors selected during the survey will also be eligible for this scheme. (To whom certificate or identity card has not been issued)

important documents

  • Aadhar Card
  • Address proof
  • income certificate
  • identity card
  • age certificate
  • mobile number
  • Passport size photograph

Procedure to apply under Indira Gandhi Urban Credit Card Scheme

The beneficiary is also not required to deposit interest on the loan received under Indira Gandhi Urban Credit Card Scheme. The benefit of this scheme will be provided to 5 lakh people coming under the limits of Municipality, Municipal Council and Municipal Corporation. The implementation of this scheme will be done through the Autonomous Government Department. Apart from this, this scheme will be implemented by the Scheduled Caste Corporation for the beneficiaries of Scheduled Castes, Scheduled Tribes and Other Backward Classes living in urban areas.

  • This scheme will be applicable till 31 March 2022. Under this scheme, applications will be accepted only through web portal and Android app .
  • The beneficiary can also take the help of Emitra Kiosk for application. Apart from this, a help desk will also be set up at the level of Local Bodies Department to guide the applicants and to redress the grievances.

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