NHFDC Loan Tracker 2025: Government Loans for Persons with Disabilities

Q: Q1. What is the interest rate on NHFDC loans in 2025?

Interest rates range from 4% to 8% , depending on the loan type. Women PwDs get an additional 1% rebate .

Q: Q2. Can I track my NHFDC loan online?

Yes, through portals like JanSamarth , Swavlamban UDID , or via your bank’s loan tracker page .

Q: Q4. Who is eligible for NHFDC loans?

Any Indian citizen with a 40% or more disability , a valid UDID or disability certificate , and a viable income-generating plan.

NHFDC Loan Tracker: If you’re a person with a disability in India and are exploring government-backed financial support, the National Handicapped Finance and Development Corporation (NHFDC) continues to be a lifeline in 2025. NHFDC, working under the Department of Empowerment of Persons with Disabilities (DEPwD), provides concessional loans through various channels to help individuals start businesses, pursue education, or meet other essential needs.

But once you’ve applied for an NHFDC loan, how do you track the status of your application or disbursement? In this article, we guide you through everything you need to know about the NHFDC Loan Tracker 2025—from application to approval and how to monitor your progress online.

What Is NHFDC?

The NHFDC is a government-owned institution that offers financial assistance specifically to persons with disabilities (PwDs). It functions as an apex body and disburses loans through State Channelizing Agencies (SCAs), Public Sector Banks like PNB, IDBI, Union Bank, and partner NGOs.

It covers loans for:

Self-employment/business
Education (in India or abroad)
Skill development and vocational training
Personal needs including medical aids or assistive technology

These loans come with low interest rates, flexible tenures, and in some schemes, interest subsidies or even interest-free options.

NHFDC Loan Benefits at a Glance

Feature	Details (2025)
Maximum Loan Amount	Up to ₹25 lakhs
Interest Rate	4% to 8% per annum (1% rebate for women PwDs)
Loan Tenure	3 to 10 years
Collateral	Relaxed security norms; Govt. sureties accepted
Disbursement Partners	PNB, Andhra Bank, IDBI Bank, SCAs
Repayment Schedule	Quarterly (June, Sept, Dec, March)
Tracking Options	Online via JanSamarth, Swavlamban, SCA portals

How to Track NHFDC Loan Application in 2025

Once you’ve applied for an NHFDC loan—either directly via a bank or through a partner agency—you’ll want to know when your funds will be disbursed or if your application has been approved. Here’s how to track your NHFDC loan status step-by-step:

Step 1: Identify Your Loan Channel

NHFDC loans are disbursed through multiple partners, so the method of tracking depends on where you applied:

Punjab National Bank (PNB)
JanSamarth Portal
Swavlamban/UDID Portal
State Channelizing Agencies (SCAs)
NGOs or District Co-op Banks

Check your application acknowledgment for clues like application number, SCA name, or portal details.

Step 2: Track via JanSamarth Portal

JanSamarth (www.jansamarth.in) is the government’s integrated portal for multiple subsidy and credit-linked schemes, including NHFDC loans.

To track:

Visit JanSamarth Portal
Login using your registered mobile/email
Navigate to “My Applications”
Select your NHFDC loan to view live status

Step 3: Track via UDID (Swavlamban Card) Portal

If your NHFDC loan application is linked with your Unique Disability ID (UDID), use this method:

Go to Swavlamban UDID Portal
Enter your Enrollment Number or Application ID
Click Track

This is particularly useful for education loans and assistive device funding tied to your UDID profile.

Step 4: Track Through Your Bank or SCA

If you applied via a bank like PNB or a state agency like MDCC Bank (Madurai District Co-op) or TNSC Bank (Tamil Nadu):

Visit the respective bank’s loan status portal
Input your Application ID or Mobile Number
Contact the loan officer for manual updates if online status is unavailable

Examples:

PNB Loan Status: https://www.pnbindia.in/LoanApplicationStatus
UCO Bank: https://www.ucobank.com/track-your-loan-status

Step 5: Phone or Email Support

Still can’t find your loan status online? Reach out via:

NHFDC Contact No.: 011-45803730
Email: nhfdc97@gmail.com
Address: NHFDC, D-1, Ground Floor, PBU Building, Sector-10, Dwarka, New Delhi – 110075

How to Apply for NHFDC Loans in 2025

If you haven’t applied yet, here’s a brief overview:

Download the Application Form from https://nhfdc.nic.in
Choose the loan scheme (education, self-employment, etc.)
Submit documents:
- Disability Certificate
- Aadhar Card
- Bank details
- Quotation for business/purchase
- Proof of income
Submit it through your nearest SCA or partner bank
Get an acknowledgment slip for tracking purposes

NHFDC Loan Schemes You Can Track

Scheme Name	Purpose	Loan Limit	Special Notes
Education Loan	Higher studies in India/abroad	₹10 lakhs (India), ₹20 lakhs (Abroad)	1% rebate for women applicants
Micro Financing Scheme	Group-based income generation	₹50,000 to ₹5 lakhs	Via NGOs, Self-Help Groups (SHGs)
Skill & Entrepreneur Loan	Vocational training or small business	₹2 lakhs	Minimal documentation
General Loan Scheme	Any personal requirement	₹25 lakhs	Up to 10-year repayment

Frequently Asked Questions (FAQs)

Q1. What is the interest rate on NHFDC loans in 2025?

Interest rates range from 4% to 8%, depending on the loan type. Women PwDs get an additional 1% rebate.

Q2. Can I track my NHFDC loan online?

Yes, through portals like JanSamarth, Swavlamban UDID, or via your bank’s loan tracker page.

Q3. How much can I borrow from NHFDC?

You can borrow up to ₹25 lakhs for business or education, depending on the scheme.

Q4. Who is eligible for NHFDC loans?

Any Indian citizen with a 40% or more disability, a valid UDID or disability certificate, and a viable income-generating plan.

Q5. How long does NHFDC loan approval take?

Usually, 15 to 45 working days, depending on documentation and bank/SCA processing speed.

Conclusion

Tracking your NHFDC loan in 2025 is simpler than ever thanks to centralized portals like JanSamarth and Swavlamban. Whether you’re starting a new business, pursuing an education, or need assistive devices, NHFDC offers tailored financial support to help you live with dignity and independence.

Make sure to save your application ID, track through the right channel, and follow up with your bank or agency regularly. For the latest updates, always refer to the official NHFDC website: https://nhfdc.nic.in

📍For more updates on real-time loan tracking, visit us at www.trackmyloan.org