The Dilli Swarojgar Yojna, launched by the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minorities Financial and Development Corporation (DSFDC), is a flagship initiative of the Government of NCT of Delhi. It aims to provide low-interest loans up to ₹5,00,000 to eligible beneficiaries for starting or expanding income-generating activities like small businesses, shops, and services. The scheme specifically targets economically weaker sections of SC, ST, OBC, and Minority communities.

Highlights of the Delhi Self-Employment Scheme

• Scheme Name: Dilli Swarojgar Yojna
• Implementing Agency: DSFDC (Delhi Govt.)
• Loan Amount: Up to ₹5,00,000/-
• Interest Rate: 6% per annum
• Target Groups: SC/ST/OBC/Minority
• Residency Requirement: At least 5 years in Delhi
• Age Limit: 18 to 50 years
• Annual Family Income Limit: ₹2,00,000/-
• Application Mode: Offline
• Website: www.dsfcdelhi.delhi.gov.in

Key Benefits of the Scheme

• Need-based loans up to ₹5,00,000/- at just 6% interest rate per annum
• Applicable for a wide range of permissible income-generating activities, such as:

• Vegetable/Fruit/Flower shops

• Tailoring, Barber Shops, Beauty Parlours

• Dairy and milk-based businesses

• Cyber Cafes, Mobile Repair, Stationery Shops

• Small-scale non-polluting manufacturing units
  • Support for traditional artisans and existing small business owners

Eligibility Criteria

• Must belong to Scheduled Caste, Scheduled Tribe, OBC, or Minority community
• Resident of Delhi for the last 5 years
• Age between 18 and 50 years
• Annual family income should not exceed ₹2,00,000
• Must have passed at least the 8th standard
• Must own/rent a workplace or have a No Objection Certificate (NOC) from a close relative
• Should not be a defaulter under any existing DSFDC scheme
• Must possess technical qualifications (if applicable), or have a minimum of 3 years of experience in the trade for which the loan is sought

How to Apply – Offline Process

1. Obtain the Form:

   • Visit DSFDC branch offices at Rajpur Road, Mangolpuri, Nand Nagri, or the HQ at Rohini

   • Pay ₹100/- for the form, OR download the form from the DSFDC official website

2. Fill and Attach Documents:

   • Complete all mandatory fields in the form

   • Attach the passport-sized photo and all self-attested documents

3. Submit Application:

   • Submit the form at the nearest DSFDC office

   • Pay a ₹500/- processing fee via Demand Draft in favor of DSFDC

4. Loan Sanction and Disbursement:

   • Once approved, sign the loan agreement and submit post-sanction documents

   • Funds will be transferred to the applicant’s bank account

5. Repayment:

   • Repayment through ECS mandate or post-dated cheques as per agreed EMI schedule

Necessary Documents for Application

Pre-Sanction:

• Duly filled application form (₹100/-)
• Aadhaar Card (ID & Residence Proof)
• Caste Certificate (or minority declaration affidavit)
• Age Proof (Birth Certificate/School Certificate/Affidavit)
• Education & Technical Qualification certificates
• Income Certificate or Affidavit
• 5 Passport-size photographs
• Affidavit: Not availed of other loan schemes
• Workplace Proof (Electricity/Water/Telephone Bill)
• Rent Agreement/NOC (if not owned)
• Detailed Project Report (with 5-year projection)
• Guarantor Undertaking / FDR / NSC / KVP for collateral
• Demand Draft ₹500/- (Processing Fee)
• Insurance under PMSBY and PMJJBY

Post-Sanction:

• ECS Mandate + 5 post-dated CTS cheques
• One cancelled cheque
• Guarantor documents (if loan > ₹2 lakh):

• Govt./PSU employee ID

• Pay slip, Aadhaar, DOB proof

• Affidavits, photographs
  • Legal Heir Affidavit + ID + Photograph
  • 2 Witnesses with Aadhaar proof
  • Loan Acceptance Letter
  • Group Photograph (applicant, guarantor, witnesses, officials)

Frequently Asked Questions (FAQs)

Q: Can I get a loan to start a vegetable or fruit shop?
Yes, it is an eligible activity under the scheme.

Q: I want to start a beauty parlour. Is it covered?
Yes, beauty parlours and barber shops are supported.

Q: Is funding available for Cyber Cafes or Cell Phone booths?
Yes, these activities are eligible under the scheme.

Q: Who can apply for this loan?
Residents of Delhi for 5+ years from SC/ST/OBC/Minority communities, aged 18–50.

Q: I’ve been living in Delhi for 3 years. Can I apply?
No, a minimum of 5 years of Delhi residency is mandatory.

Q: Is workplace proof required?
Yes, either ownership documents or NOC/rent agreement from close relatives is needed.

Q: Is technical qualification mandatory?
Yes, unless you’re a traditional artisan or have 3+ years’ experience in the trade.

Q: Where do I get the application form?
At DSFDC branch offices or from their official website

References & Useful Links

• DSFDC Official Website
• Scheme Guidelines – DSFDC
• Application Forms available at Branch Offices and Online