Learn about the Indira Gandhi Shehri Credit Card Yojana, a scheme fostering urban credit accessibility. Explore the goals and benefits of इंदिरा गांधी शहरी क्रेडिट कार्ड योजना for urban financial empowerment.
In a bid to support citizens who have faced job losses due to the ongoing Covid-19 pandemic, Rajasthan Chief Minister Ashok Gehlot has launched the Indira Gandhi Shehri Credit Card Yojana official website. Under this visionary scheme, not only will individuals receive much-needed financial assistance, but students will also be eligible for unemployment allowances.
This blog delves into the intricacies of the program, which offers interest-free loans of up to ₹50,000 to empower urban dwellers, including small traders, vendors, and those in the unorganised sector, to embark on their entrepreneurial journeys.
Beneficiaries of Indira Gandhi Urban Credit Card Scheme
The Indira Gandhi Urban Credit Card Scheme primarily targets street vendors, hairdressers, rickshaw pullers, potters, cobblers, mechanics, tailors, washers, colour painters, electrical repairmen, and more. The scheme also aims to empower unemployed youth and service providers by offering them access to interest-free credit facilities. The beneficiaries of the scheme are citizens of Rajasthan, residing in urban areas of Rajasthan within the jurisdiction of Nagar Palika/Nagar Parishad/Nagar Nigam.
The Rajasthan Urban Credit Card Scheme aims to provide direct benefits to a diverse range of individuals in urban areas. This program targets various occupations, including:
- Hairdressers: Those involved in the hairdressing profession can access financial support and credit facilities through this scheme to improve their businesses and livelihoods
- Rickshaw Pullers: Rickshaw pullers, often dependent on manual labour for income, can benefit from this scheme by gaining access to credit resources to enhance their rickshaw operations
- Mechanics: Individuals working as mechanics will have the opportunity to receive financial assistance and support for their repair services and workshops
- Cobblers: Cobblers can access credit and financial aid to improve their shoe repair and manufacturing businesses under this initiative
- Colour Painters: Professionals engaged in painting can leverage the scheme to enhance their services and grow their businesses
- Tailors: Tailors can utilise the scheme’s benefits to expand their tailoring shops, purchase equipment, and offer a wider range of clothing services
- Potters: Those involved in pottery and pottery-related businesses can receive assistance to improve their craft and market their products more effectively
- Washermen: Washermen can access financial aid and credit facilities to upgrade their laundry services and equipment
- Electrical Repair People: Individuals in the electrical repair field can benefit from this scheme by obtaining support to enhance their electrical repair services and business operations.
Benefits and Features of Indira Gandhi Urban Credit Card Scheme
The Indira Gandhi Urban Credit Card Scheme is an initiative launched by the Rajasthan Government to provide financial support to small traders, vendors, and individuals providing services in the informal sector who have been adversely affected by the COVID-19 pandemic. The scheme offers interest-free loans of up to ₹50,000 for a period of one year.
Here are some of the benefits and features of the scheme:
- Loans of up to ₹50,000 are extended to individuals who have been affected by the pandemic
- The scheme aims to provide self-employment opportunities and aid economic recovery
- The loans are interest-free, making them an attractive option for those in need of financial assistance
- The scheme is extended through various lending institutions, including scheduled commercial banks, regional rural banks, small finance banks, cooperative banks, and non-banking finance companies
- The government will develop a user-friendly web portal and mobile app through which beneficiaries can apply for the scheme
- The scheme primarily caters to hairdressers, rickshaw pullers, potters, cobblers, mechanics, tailors, washermen, color painters, electrical repairman, and more.
How to Apply for Indira Gandhi Urban Credit Card Scheme?
The application process for the Indira Gandhi Urban Credit Card Scheme is both online and offline. Here are the steps to apply for the scheme:
- Visit the official website of the scheme
- Fill out the Loan Application or Credit Card Yojana Application
- Submit the application along with the necessary documents
How to Check Indira Gandhi Shehri Credit Card Yojana Status?
Beneficiaries of the Indira Gandhi Urban Credit Card Scheme can check their application status through the official website or mobile app. Here are the steps to check the status:
- Visit the official website or mobile app of the scheme
- Enter the required details, such as application number and date of birth
- Click on the “Check Status” button
Objectives of Indira Gandhi Urban Credit Card Scheme
- The Indira Gandhi Urban Credit Card Scheme aims to provide financial support to individuals who have faced unemployment due to the COVID-19 lockdown.
- The scheme seeks to empower urban youth with self-employment opportunities, reduce the adverse effects of the pandemic on informal businesses, and mitigate the state’s unemployment rate.
- The scheme primarily caters to hairdressers, rickshaw pullers, potters, cobblers, mechanics, tailors, washermen, colour painters, electrical repairman, and more.
Eligibility for Indira Gandhi Urban Credit Card Scheme
To be eligible for the Indira Gandhi Urban Credit Card Scheme, applicants must meet the following criteria:
- The applicant must be a permanent resident of Rajasthan.
- The applicant must be between 18 and 40 years old.
- The applicant must be a vendor or service provider in the informal sector.
- The applicant must have a valid ID issued by the local urban body for sale.
- The applicant must meet the minimum and maximum eligible income criteria.
Indira Gandhi Credit Card Yojana Helpline Number
Beneficiaries of the Indira Gandhi Urban Credit Card Scheme can contact the helpline number for any queries or assistance.
| All India Number(s): 0141-222 6722 |
How to Register for the Indira Gandhi Shehri Credit Card Yojana?
As of now applications under this scheme will be accepted only until March 31, 2022. All prospective applicants must know that this scheme will accept applications only through the official web portal and android app. Beneficiaries can also use the Emitra kiosk to apply.
In order to avail of the benefits of the scheme the applicant must keep the following documents and information handy –
- Aadhar card
- Address proof
- I Certificate
- Age Proof
- Income Proof
- Passport size photographs
- Mobile Number
- Email Id
Contact the help desk that has been established at the level of the Local Government Department for guidance or to resolve grievances.
Indira Gandhi Credit Card Yojana FAQs
What is the Indira Gandhi Urban Credit Card Scheme?
Rajasthan Chief Minister Ashok Gehlot has initiated the Indira Gandhi Shehri Credit Card Yojana, aimed at aiding citizens who lost their jobs due to Covid-19. The program includes unemployment allowances for students and offers financial assistance of ₹4,000. Small traders, street vendors, and those in the unorganised sector can benefit from this scheme, receiving government loans of up to ₹50,000 with zero interest. This initiative is primarily designed for urban areas, with the aim of providing self-employment opportunities to street vendors and service sector youth.
Who is eligible for Indira Gandhi Shahari Credit Card Yojana?
Eligibility criteria for the Indira Gandhi Urban Credit Card Yojana include Urban poor households with an annual income not exceeding ₹1 lakh At least one family member engaged in self-employment or wage employment Possession of a valid BPL card.
How to apply for Indira Gandhi Shahari Credit Card Yojana?
To enrol visit the indira gandhi credit card yojana official website or reach out to the nearest branch of a participating bank. Completing an application form and submitting specific documents is necessary, including proof of identity (such as Aadhaar card or voter ID card), proof of income (like a BPL card or salary slip), and proof of residence (such as a ration card or electricity bill).
How to check the Indira Gandhi Urban Credit Card Scheme?
To check the status of your application, you can visit the Indira Gandhi credit card yojana official website or the nearest branch of the bank where you applied. You can also check the status of your application online on the NHB website.
How much money is available in the Urban Employment Scheme?
The Urban Employment Scheme is a demand-driven scheme and the amount of money available varies from year to year. In the financial year 2023-24, the Government of India has allocated ₹10,000 crore for the Urban Employment Scheme.
What is an Urban Employment Scheme?
The Urban Employment Scheme is a centrally sponsored scheme launched by the Government of India in 1995 to provide employment to urban unemployed and underemployed. The scheme is implemented by the Ministry of Housing and Urban Poverty Alleviation through the National Urban Livelihoods Mission (NULM).
When was the Urban Employment Scheme started?
The Urban Employment Scheme was started in 1995.
How many days of employment are guaranteed to the urban unemployed under the Indira Gandhi Urban Employment Guarantee Scheme?
The Indira Gandhi Urban Employment Guarantee Scheme guarantees 100 days of employment per year to every urban household whose adult members are willing to do unskilled manual work at the prevailing minimum wage rate.
What is the Indira Gandhi Urban Credit Card Scheme?
The Indira Gandhi Urban Credit Card Scheme is an initiative launched by the Rajasthan Government to provide financial support to small traders, vendors, and individuals providing services in the informal sector who have been adversely affected by the COVID-19 pandemic.
When was the Indira Gandhi Urban Credit Card Scheme started?
The Indira Gandhi Urban Credit Card Scheme was started in 2024 by the Rajasthan Government.
Are there any interest subsidies or concessions?
Yes, the loans offered under the scheme are interest-free.
Can the credit availed be used for any purpose?
Yes, the credit availed can be used for any purpose related to the applicant's business.
How do I repay the credit availed under the scheme?
The credit availed under the scheme must be repaid within one year.
What happens in case of a default on repayment?
In case of a default on repayment, the applicant may face legal action and may be blacklisted from availing any future loans under the scheme.
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