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CCWDC (Chandigarh Child & Women Development Corporation)

The Chandigarh Child & Women Development Corporation Limited set up in April, 1980 under the Indian Companies Act, 1956 is engaged in the Economic and social Development and Welfare of Women and Children in the Union Territory of Chandigarh. This Corporation has also been nominated as the Channelizing Agency for National Handicapped Finance and Development Corporation (NHFDC) in the year 1998-99.

AUTHORIZED SHARE CAPITAL

                    The authorized share capital of the corporation is Rs. 12.00 Crore and the paid up share capital Rs. 12.00 Crore.  The Administrator U.T., Chandigarh holds all the shares excepting one each by its nominee viz. Secretary Social Welfare, Special Secretary Finance and Managing Director.

(I) LOAN SCHEME

  1. LOAN UNDER BANK TIE UP AND DIRECT MICRO UP SCHEME:

                    The corporation is arranging finance for the eligible women through Nationalized Banks; by sponsoring the loan application to the various banks up to Rs. 1,00,000/- and after the sanction of loans by banks, corporation provides Margin Money limited to Rs. 10,000/- or 25% of the total loan sanctioned whichever is less. Rest of the 75% is provided by the bank.

                    Since 2001 the corporation has also been provided Micro Loan from its own resource. Presently Micro Loan upto to Rs. 25,000/- (Now upto Rs. 75,000/-) is provided for taking up any of the income generating activities under self employment schemes.

Eligibilities:

1.       Annual family income not exceeding Rs. 3,00,000/-.

2.       Age 18 to 55 years.

3.       Should be resident of U. T. Chandigarh.

4.       Only one member of a family can avail loan.

 

RATE OF INTEREST (Micro Scheme & Margin Money Loan):

Family income of the applicant per annum                    Rate of Interest

Upto Rs. 1,50,000/-                                                                  4%

Above Rs. 1,50,000 TO 3,00,000/-                                       6%

 

 

  1. LOAN UNDER NHFDC SCHEME

                     The Corporation is a Channelizing Agency of NHFDC scheme and is extending loan facilities to the persons with disability for taking up income generating activities under self-employment schemes.

Eligibilities:

1.            Minimum percentage of disability is 40%.

2.            Unemployed disabled persons whose family income is below 5,00,000/-  p.a. for urban areas and 3,00,000/- p.a. rural areas.

3.            Maximum loan is Rs. 25.00 lakhs.

4.            Age above 18 years (In case of persons with mental retardation, age is relaxed to 14 years in place of usual18 years for the persons with mental     retardation)

5.            The NHFDC authority to sanction loan to the beneficiary is delegated to State Channelizing Agency upto Rs. 1.50 lakhs.

 

Rate of Interest:

Sr.No     .

Loan amount (Rs. In Lakhs)          

Rate of Interest to PwDs (%)

i

Less than 0.50

5

ii

Above 0.50 – 5.0

6

iii

Above 5.0 -15.0

7

iv

Above 15.0 – 30.0

8

v

Above 30.0 – 50.0

9

                    (A rebate of 1% in interest will be allowed to women with disabilities & persons with disability other than OH in self employment loan upto Rs.50,000/-. The rebate will be borne by NHFDC.

DOCUMENTS TO BE ATTACHED WITH THE APPLICATION BEFORE SANCTION OF LOAN UNDER THE SCHEME OF BANK TIE UP, DIRECT AND NHFDC:

  1. Six passport size photographs self attested.
  2. Date of birth proof.
  3. Proof of residence of U.T. Chandigarh.
  4. Affidavit regarding proof of family income.
  5. Proof of place of business amount more than Rs.25,000/-.

 

UNDER NHFDC:

  1. Two copies of Handicapped Certificate.

 

(II) SKILL DEVELOPMENT PROGRAMMES (TRAINING)

                    This Corporation is providing training under Swawalamban Scheme to women belonging to economically weaker sections of society in the following trades:- 

Name of the Course                  

Duration                   

Minimum Qualification         

Venue

Computer Course

One Year

10th Pass

Aasha Kiran, (VTC), Sec-46, Chd.

Fashion Designing Course

One Year

8th Pass

Aasha Kiran, (VTC), Sec-46, Chd.

Cutting & Tailoring Course

Six Months

8th  Pass

Aasha Kiran, (VTC), Sec-46, Chd.

Beauty Culture Course

Six Months

5th  Pass

Aasha Kiran, (VTC), Sec-46, Chd.

Mehandi Course

Two Months

5th  Pass

Aasha Kiran, (VTC), Sec-46, Chd.

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