SRMS Scheme 2026: ₹40,000 Cash Assistance, Loan Subsidy & Training
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Quick answer
The Self Employment Scheme for Rehabilitation of Manual Scavengers provides ₹40,000 one-time cash aid, capital subsidies up to ₹5 lakh, concessional enterprise loans, and free skill training with a monthly stipend. Identified manual scavengers, sanitation workers, and their dependents are eligible. Cash aid is distributed following identification surveys, while loan applications can be submitted online via the NSKFDC portal.
At a glance
| Main benefit | ₹40,000 cash aid and loan subsidy |
| Ministry / department | Ministry Of Social Justice and Empowerment |
| Level | Central Government |
| Age | 18 years and above |
| Application mode | Online & offline |
About the scheme
Administered by the Ministry of Social Justice and Empowerment under the MS Act 2013, the Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) seeks to eradicate manual scavenging and rehabilitate beneficiaries into dignified, alternative livelihoods. The programme offers substantial capital subsidies and low-interest credit for self-employment ventures, group sanitation projects, comprehensive skill development courses with financial support, and health insurance under Ayushman Bharat PM-JAY.
Benefits
- One-time cash assistance of ₹40,000 provided to one identified manual scavenger per family.
- Project-based capital subsidy up to 50% (maximum ₹5,00,000 for individual projects) alongside low-interest venture loans.
- Capital subsidy of ₹2,50,000 plus 25% of the remaining amount for individual projects between ₹5,00,000 and ₹15,00,000.
- Group project funding up to ₹50,00,000 (up to ₹10,00,000 per beneficiary) with subsidies up to ₹3,75,000 per person.
- Concessional loan interest rate of 5% per annum for projects up to ₹1,00,000 (4% per annum for female beneficiaries) and 6% per annum for projects exceeding ₹1,00,000.
- Skill development training for up to 2 years with a monthly stipend of ₹3,000.
- Health insurance coverage of up to ₹5,00,000 under Ayushman Bharat PM-JAY for manual scavengers and family members.
- Sanitation workers and their dependents receive comparable financial support for sanitation-related business projects, RPL upskilling, and safety workshops.
Who can apply (eligibility)
- Applicant must be an identified manual scavenger or a dependent who holds a valid MS-ID or receipt number issued during state surveys.
- Sanitation workers and their dependents are eligible exclusively for sanitation-related enterprise projects.
- Dependents must be at least 18 years of age to access loan facilities and skill training programmes.
- Sanitation workers must obtain a valid occupation certificate from a recognised competent authority.
Who cannot apply
- Domestic workers are excluded from the sanitation worker category.
- Individuals not registered or identified through official manual scavenging surveys cannot claim one-time cash assistance.
Documents required
- Aadhaar Card
- Proof of Identity
- Proof of Address / Residence Proof
- Proof of Age
- Ration Card
- Occupation Certificate from a designated authority (for sanitation workers)
- Passport-size photograph
- Mobile number
- Bank account details
How to apply
- 1Ensure manual scavenger survey identification by the local Urban Local Body or Gram Panchayat to receive the MS-ID for one-time cash assistance.
- 2For self-employment loans, visit the official NSKFDC portal at nskfdc.nic.in and open the SRMS project loan form.
- 3Complete all required form fields, attach supporting documents, and submit the application to the District Office of the State Channelizing Agency (SCA), RRB, or Nationalised Bank.
- 4The receiving bank or agency branch scrutinises project viability and forwards recommended applications to the Head Office and NSKFDC.
- 5Following approval from the NSKFDC Project Appraisal Committee and Board of Directors, a Letter of Intent is issued.
- 6Execute the loan agreement to enable fund disbursement through the lending bank directly to the applicant.
Frequently asked questions
What is the main objective of SRMS?+
The scheme aims to assist identified manual scavengers, sanitation workers, and their dependents in rehabilitating into alternative, sustainable livelihoods through financial aid, loans, and training.
How much cash assistance is provided under SRMS?+
A one-time cash assistance of ₹40,000 is directly provided to one identified manual scavenger per family.
What is the loan repayment term and interest rate?+
Repayment is up to 5 years for projects up to ₹5,00,000 and up to 7 years for projects above ₹5,00,000, including a moratorium of up to 6 months. Interest is 5% per annum up to ₹1,00,000 (4% for women) and 6% per annum above ₹1,00,000.
How much stipend is paid during skill training?+
Beneficiaries undergoing skill training for up to 2 years receive a monthly stipend of ₹3,000.
Who can issue the occupation certificate for sanitation workers?+
It can be issued by a local revenue officer, municipal officer, Cantonment executive officer, railway officer, gazetted government department head, elected municipal body member, Gram Panchayat Pradhan, or bank regional manager.
Are sanitation workers eligible for non-sanitation business loans?+
No, sanitation workers and their dependents are eligible only for assistance related to sanitation-focused self-employment projects.
NaukriZila is not a government website. Apply only on the official portal; never pay anyone to apply for a government scheme. Source: myScheme (Government of India)