Self Employment Programme (SEP)

SEP-I (Individual):

• Under this scheme, beneficiaries can avail a loan of up to Rs. 2 lakhs from the bank for self-employment.
• The beneficiary is provided with interest subsidy on timely repayment of the loan.

SEP-G (Group):

• Under this scheme, a group of 3 to 5 persons can avail a loan of up to Rs. 10 lakhs from the bank for self-employment.
• The beneficiaries are provided with interest subsidy on timely repayment of the loan.

Eligibility Criteria:

• The applicant must be an urban poor.
• The applicant must have a family income of less than Rs. 1 lakh per annum.
• The applicant must have a clear business plan.
• The applicant must have undergone training in the proposed trade/business.

Benefits:

• Financial assistance to set up a micro-enterprise.
• Interest subsidy on loan.
• Training in the proposed trade/business.

Marketing and other support services

How to Apply:

• The applicant can apply for the loan at the nearest bank branch.
• The application form can be downloaded from the website of the Ministry of Housing and Urban Affairs.
• The applicant must submit the following documents along with the application form:
• Proof of identity
• Proof of address
• Proof of income
• Caste certificate (if applicable)
• Training certificate
• Project report

For more information, please visit the website of the Ministry of Housing and Urban Affairs:

https://mohua.gov.in/

Employment through Capacity Building Training and Placement (ESTP)

This component is implemented by the Gujarat Urban Livelihood Mission (GULM) through empanelled agencies. Smart classroom training classes are conducted under this component. The payment for these classes is made by GULM in three installments of 30%, 50%, and 20%. The monitoring of these classes is done by the NULM staff. After the completion of the training program, the trainees are assessed by a third-party agency, the Skill Center Council.

Objectives of ESTP

The objectives of ESTP are to:

• Provide skills training to the urban poor to enable them to set up self-employment ventures or get salaried jobs in the private sector.
• Fill the gap between the demand and availability of local skills by providing market-driven skill training programs.
• Increase the income of the urban poor and improve their living standards.

Target Group

The target group of ESTP is the urban poor, including:

• Unemployed youth
• Underemployed youth
• Women
• Persons with disabilities
• Scheduled Castes and Scheduled Tribes

Training Programs

The training programs offered under ESTP are designed to meet the skill requirements of the local market. Some of the popular training programs include:

• Beauty and wellness
• Retail
• IT and ITES
• Electronics and electrical
• Construction
• Automotive

Training Delivery

The training programs are delivered through a network of training centers empanelled by GULM. These training centers are equipped with modern infrastructure and qualified trainers.

Placement

After the completion of the training program, the trainees are assisted in getting placed in jobs or setting up their own businesses. GULM has a dedicated placement cell that provides placement assistance to the trainees.

Monitoring and Evaluation

The ESTP program is monitored and evaluated by the NULM staff. The monitoring and evaluation process includes:

• Regular visits to the training centers
• Review of the training curriculum and delivery
• Assessment of the trainees’ learning outcomes
• Tracking of the trainees’ placement status

Impact of ESTP

The ESTP program has had a positive impact on the lives of the urban poor. The program has helped the trainees to acquire skills, get jobs, and improve their income. The program has also contributed to the reduction of urban poverty.

Conclusion

The ESTP program is a valuable initiative that is helping to address the challenge of urban poverty. The program is providing skills training to the urban poor and helping them to get jobs or set up their own businesses. The program is also contributing to the reduction of urban poverty.

Support to Urban Street Vendors (SUSV)

Background:

• The SUSV scheme is a centrally sponsored scheme by the Ministry of Housing and Urban Affairs (MoHUA).
• The scheme aims to provide financial assistance and other support to street vendors in urban areas.
• The scheme is being implemented in Gandhinagar and Pethapur.

Objectives:

• To provide working capital loans of up to ₹10,000 to street vendors.
• To encourage regular loan repayment.
• To promote digital transactions.

Benefits:

• Street vendors who successfully repay a loan of ₹10,000 are eligible for further assistance of ₹20,000 and ₹50,000.
• On timely/early repayment of these loans, an annual interest subsidy of 7% is credited directly to the beneficiaries’ bank accounts on a quarterly basis.

Achievements:

• In Gandhinagar, 5418 loans have been disbursed against a target of 7654.
• This represents a 70.79% achievement of the target.
• A socio-economic profiling of the vendors has also been carried out.

Key Features:

• The scheme is open to all street vendors who have been vending for at least 3 years.
• The loans are provided by banks and financial institutions.
• The interest rate on the loans is 7% per annum.
• The loans are repayable in 3 years.
• The scheme provides for a one-time grant of ₹10,000 for the purchase of vending carts.
• The scheme also provides for training and capacity building of street vendors.

Shelter Home Scheme for Urban Homeless People (SUH)

Key Points:

• As per the 1 lakh population, there should be a city-level shelter home with a capacity of 100 beds.
• A survey conducted by GULM under the Municipal Corporation here has identified 1782 homeless people.
• Currently, there is 1 functional transit shelter home with a capacity of 150 beds and all basic amenities operating at Sector 28, Marriage Hall.
• For the construction of a shelter home, in-principle approval has been received from the Housing Department for (202 bed capacity) (NR Thermal Plant) at Sector-30. However, the process of consultation is currently underway for the purpose of allotting free land for the shelter home, the land allotment for the shelter home is pending in the Roads and Buildings Department.
• A shelter home with a capacity of 404 beds was approved by GULM at Wavol TP. The work was stopped due to local opposition. This is the place where the shelter home is being built.

Other important details:

• The SUH scheme aims to provide shelter, food, and basic amenities to homeless people in urban areas.
• The shelter homes will be equipped with facilities like sleeping, cooking, bathing, and toilets.
• The scheme also provides for medical care, counseling, and skill development training to the homeless people.

PM SVANidhi Yojana: Socio-Economic Profile

PM SVANidhi Yojana is a micro-credit scheme launched by the Ministry of Housing and Urban Affairs (MoHUA) in June 2020 to provide affordable working capital loans of up to ₹10,000 to street vendors vending in urban areas. The scheme also provides interest subsidy on timely/early repayment of loan and monthly cashback incentive on digital transactions up to ₹100.

Socio-Economic Profile is a key component of the PM SVANidhi Yojana. It is a survey conducted to collect data on the socio-economic status of street vendors. The data collected includes information on the vendor’s family, income, expenses, health, and access to government schemes.

Benefits of Socio-Economic Profile:

• The data collected through the Socio-Economic Profile will help the government to better understand the needs of street vendors and design more effective policies and programs for their welfare.
• The profile will also help street vendors to access various government schemes and benefits.

Documents required for Socio-Economic Profile:

• Identity proof (Aadhaar card, voter ID card, etc.)
• Address proof (electricity bill, ration card, etc.)
• Photograph
• Proof of vending (certificate of vending/identity card issued by ULB)

Eligibility criteria for Socio-Economic Profile:

• The vendor should be vending in an urban area.
• The vendor should have a valid certificate of vending/identity card issued by the ULB.
• The vendor’s annual household income should not exceed ₹2 lakh.

The current status of Socio-Economic Profile in Gandhinagar, Gujarat, India is as follows:

• Total number of beneficiaries: 3705
• Profiling completed: 5182
• Filing under process: 20

Mukhyamantri Mahila Utkarsh Yojana (MMUY)

The Mukhyamantri Mahila Utkarsh Yojana (MMUY) is a scheme launched by the Government of Gujarat to provide financial assistance to women’s self-help groups (SHGs) in the state. The scheme aims to empower women by enabling them to start their own businesses and become financially independent.

Key Features

• Loan amount: Each SHG is eligible to receive a loan of up to Rs. 1,00,000/- under the scheme.
• Interest rate: The loan is provided at an interest rate of 6% per annum.
• Repayment period: The loan has to be repaid within 5 years.
• Incentive for banks: Banks are provided with an incentive of Rs. 15,000/- for each SHG to which they provide a loan.

Benefits of MMUY

• Provides financial assistance to women’s SHGs
• Empowers women by enabling them to start their own businesses
• Promotes economic development in rural areas
• Creates employment opportunities for women

Documents Required

• Application form
• Proof of identity and address
• Proof of income
• Proof of residence
• Project report

Eligibility Criteria

• The SHG must be registered with the government.
• The SHG must have at least 10 members.
• All members of the SHG must be women.
• The SHG must have a viable business plan.

Loan Disbursement

The loan amount is disbursed directly to the bank accounts of the SHGs.

Repayment

The SHGs are required to repay the loan within 5 years. The repayment can be made in monthly installments.

NPA

As of March 31, 2023, there were no NPAs under the MMUY.

Bank-wise Details