Seed Loan (Micro Credit Scheme)

Myself Sunila, I am 25 years old and having orthopadedic disability by birth. I got marriage two years ago and came to Delhi in Shahbad Dairy slum community. There are three members in my family (Me, My Husband and one Baby) I am a housewife and husband is working in cloth shop in Shahbad Dairy. My Husband is also physically disabled. Financial condition of my family is not good. Before coming to Delhi, I was total unaware about government facilities for disabled. My husband told me about ASRA, because he was associated with ASRA from last five years and with the help of ASRA he got all the government facilities. I met the staff member of ASRA and get all information about the concession services. They also guided me about the necessary documents which are required for availing government facilities. With the help of ASRA, I received all government facilities one by one like disability certificate, rail pass, SDM card, bus pass & disability pension. During the Lockdown period, my husband lost his job and it was very crucial time for us because my husband is the only earning member in my family. Then one day ASRA staff member called me telephonically and informed me about Ration Distribution (Essential commodities distribution) by ASRA. During the month of July, 2020, we received Ration from ASRA which was a very big relief for us. Me & My husband was very happy and tankful to ASRA for this great help during the lockdown period. ASRA always stand by us in every situation and taking efforts to provide possible help to each and every person with disability. Thank you so much ASRA & its staff members for reaching us and providing help and motivation to us.


My name is Dev Narayan. I am physically handicapped. I am 48 years old and live in ‘Shahbad Dairy’ slum community, New Delhi. There are 8 members in my family. I belong to a family with lower financial background. I wanted to be self-independent. In 2014, I came to know about ASRA and its services for Persons with disabilities. So, I associated with ASRA and was able to receive all government facilities with the help of ASRA like disability certificate, disability pension, bus pass, rail pass and UID Card. I wanted to open a small kiosk shop of Eggs. I did not have sufficient amount to start the shop. Then I once again, approached ASRA for Seed Loan (Micro Credit Scheme) in 2019. I submitted my documents at ASRA which were verified by ASRA Seed Loan committee. I got material (Eggs) for my shop worth Rs.5000/- from ASRA. I am very thankful to ASRA for providing me the financial help which has increased my family’s income and now I am independent. I am thankful to ASRA from the depth of my heart.


My name is Vijay Gupta. I am physically handicapped with my both lower limb. I am 27 years old and live in Mohan Garden, Uttam Nagar, New Delhi. There are 6 members in my family. I belong to lower-middle class family. I wanted to be self-independent. I wanted to take up a job so as to become independent and self-reliant financially. It was then that someone in my neighbour informed me about ASRA and its facilities provided to disabled person I met Mr. Sanjay Sir (Rehab Worker of ASRA) in Uttam Nagar. He gave me full information about the ASRA organisation. I told him about my requirement of Wheel Chair for my daily routine. I received Wheel Chair from ASRA. I wanted to open a small mobile accessories shop. I did not have sufficient amount to start the shop. Then once again, I approached ASRA for Seed Loan (Micro Credit Scheme). I got material for my shop worth Rs.5000/- from ASRA. I am very thankful to ASRA for providing me the financial help which has increased my family’s income. I am thankful to ASRA from the depth of my heart.


My name is Mohammed Shamim. I have locomotor disability. I am 28 years old and lives in Bawana slum community. My father’s name is Abdul Kalam. My mother’s name is Rupeda Khatoon. There are 9 members in my family. Before joining the ASRA, I was very upset. I was not aware of any type of government facilities. I wanted to open a grocery shop. One day, I met Ms. Mithilesh ma’am (ASRA Employee) in Bawana slum community. She gave me full information about ASRA’s activities. Ms. Mithilesh Ma’am introduced me to all the schemes and programs provided by the Government. ASRA also helped me in getting the Government facilities such as Disability Certificate, Bus Pass, Rail Pass and Disability Pension. I required Tricycle for my daily work routine. I approached ASRA for that and I received Tricycle within one month. I wanted to open a small shop. I wasn’t have sufficient amount for that. Then I approached ASRA for Seed Loan (Micro Credit Scheme). I got material for my shop worth Rs. 5000/- from ASRA. I am very thankful to ASRA for providing me the financial help which has increased my family’s income. I am very very thankful to ASRA. — Mohammed Shamim


My name is Bhagwati Kanojia, I am 100% Speech & Hearing Impaired. I am 20 years old and lives in Nawada, Uttam Nagar, New Delhi. We are 6 members in my family. My family is financial very weak. I was studying and working as well as. I was running a small shop in the evening after attending my school. I was worried, because customer returned, due to insufficient material in my shop. One day I met Rehabilitation Worker of ASRA and she informed me about activities of ASRA and facilities provided by ASRA for persons with disabilities. I was very happy to hear, because I found a solution of my problems. I told to ASRA staff that I need a small loan for expanding my petty shop. I applied for Seed loan and got approval during a meeting organised by ASRA staff members. Now, my shop is full of material. I got hearing aid and disability pension also with the help of ASRA. I am learning computer from ASRA Computer Centre. I am very happy and feel confident. My heartfelt thanks to ASRA. – Bhagwati Kanojia


I am Jammu Khatun, 26 years old and suffering from polio. I am living in Indira Camp-5 slum with my mother and husband.  One year ago I met Ms. Queety madam and Ms. Noorjahan madam of ASRA and they informed me & my family regarding ASRA & it’s all other activities They told me about the programs of ASRA and referred me to tailoring centre which was run in my slum area. There I met Ms. Deepa madam who is a tailoring teacher. She guided me regarding disability certificate. She also helped us in the submission of application form for disability certificate in the concerned hospital. Now I have received my Disability Certificate and also government facilities like Bus Pass, Rail Pass and Disability Pension with the help of ASRA. In November-2014 Deepa madam told me about a Seed Loan program of ASRA and I applied of the same to open a petty shop. I received material of Rs. 5000/- to open my shop. At present my shop is running very good. My family’s monthly income has increased. I am very very thankful to ASRA and AFS.


I am Sumsuddin Ansari, 30 years old, living in Indira Camp-2 slum in West Delhi. We are 5 members in my family including 3 children. I was unemployed and my family was facing financial crisis.  One day I met Ms. Harjeet madam who is education teacher at Education centre run by ASRA in our slum. She told me about Micro Credit Scheme (Seed Loan) of ASRA. I applied for the same and submitted the documents as required. My application was shortlisted and I received raw material of Rs. 5000/- to start a quilt shop. Now I have my own small business and I am very happy that I am supporting my family finically. I also got Disability Certificate, Bus Pass, Rail Pass, Identity card from the SDM office and Disability Pension with the help of ASRA. It is possible only because of ASRA’s support. I am grateful to ASRA and AFS.


My Self Malti, 32 years old and live in Pappankalan slum. I am orthopedically handicapped. I would like to thank ASRA for supporting me. Earlier I was very worried because I am not well educated. I was not able to find job anywhere due to my disability and less education. I tried to open a small shop on rent. But I didn’t have money to pay rent and to by material for shop.
I met Ms. Rizwana madam of ASRA near my home and shared my problems with her. She told me about ASRA’s activities and various programs for people like me. Then I was applied for Seed Loan (Micro Credit Scheme) in ASRA. I got material for my shop worth Rs. 5000/- from ASRA. I am very thankful to ASRA for providing me financial help which has increased my family’s income. ASRA also helped me in getting disability certificate, bus pass, rail pass and disability pension. My heartfelt thanks ASRA for helping and supporting me.


Yogesh Kumar, 32 year old, a polio victim lives in Poothkalan urban slum in West Delhi.  He had an attack of polio (right lower limb) after high fever when he was just three year old and lived in the village in Kota, Rajasthen state.  His parents tried every thing what ever was possible in the village but had no effect on him.

At the age of five, he was brought to Delhi as his father was already in Delhi in search of employment.  Yogesh was taken to different hospitals with no results of any improvement.  He was put in a school and passed grade IX but was not keen on continuing his education.  He started working in a factory on a salary of Rs. 800/- per month for a 12 hour shift.  His job responsibility was to cart the load from one place to another which he could not do easily.  He looked for an alternate employment.  He thought of buying a cycle rickshaw which he thought will be able to drive with one foot with a little help from the second foot.  He purchased a second hand rickshaw for transporting people from one place to another and earned about Rs. 40/- a day.  As it was his own work, there was no binding of the timings and was master of his own work.  At 22, he got married to a girl who was also a polio victim.  They have three children (2 girls and a boy).

ASRA worker informed him about the facility of the Seed Loan which he thought was a boon.  He applied for the loan and was given Rs.1500/- for the repairs of rickshaw.  After one a half year again the incident repeated and he had his h back in a very bad shape.  This time his wife Bhagwati, who is also a person with disability, applied for the loan of Rs.2500/- for the rickshaw repairs and got his rickshaw repaired.  Yogesh was given counseling about the road and traffic rules to save him from such incidents in future.

Yogesh transports children to schools which is a fixed income for him. He has returned the loan to ASRA.  He is able to earn to Rs. 200/- per day.   Besides, he and his wife get disability pension which helps them to cater to the basic needs of the family. His two children have been admitted in a government school.

Yogesh and his wife are given regular physiotherapy by ASRA physiotherapist in the community itself.  The therapy has helped Yogesh in gaining strength in his lower limb muscles which is needed for rickshaw pulling. The therapy has given physical stability to his wife, Bhagwati and her frequent tumbling has reduced considerably.  Now she is able to manage household work with ease.   The formalities for her rail pass, bus pass, Identity Card from the SDM office and disability pension have been completed and she has received all the documents.

Yogesh has been helped to write application to the government for the house under the Rajiv Gandhi Rehabilitation Plan.  The formalities have been completed and he will get the house as per the rules of the government.