Jagananna Thodu

Jagananna Thodu scheme is provided by the Government of Andhra Pradesh to provide loan assistance to street vendors at zero interest up to Rs. 10,000/- per person. In order to ameliorate the financial hardship of the chiruvyaparulu and the people engaged in the traditional handicrafts, the scheme JAGANANNA THODU is implemented to provide financial assistance up to Rs.10000/- at 0% (SUNNA VADDI) interest to such needy people, who can avail this facility whenever required by them.

Eligibility Criteria of Jagananna Thodu

Following are the eligibility criteria for Jagananna Thodu.

• Total family Income should be less than Rs.120,000/- per annum in Rural areas and RS.144,000/- per annum in Urban areas.

• Total land holding of the family should be less than 3.00 Ac. of Wet (or) 10 Ac. of Dry land (or) 10 Acres of land put together for this purpose.

• Should not be having a shop (built up) which is greater than 5X5 Sqft.

• The applicant should be above 18 Years Male or Female

Eligible Sellers under Jagananna Thodu

Chiruvyaparulu engaged in vending on footpath, selling vegetables in pushcarts, and tiffin and food items on the roadside and pavements traditional handicrafts like:

• Lace work

• Kalamkari work

• Etikoppaka toys

• Kondapalli toys

• Leather puppets

• Potters

• Bobbili Veena

• Brass Craft articles

Survey/ Identification Process under Jagananna Thodu

Following is the identification/ survey process under Jagananna Thodu. 

• Survey to be carried out through Ward / Village volunteers 

• All eligible persons list will be displayed in the ward / village secretariat for social audit 

• Final list of eligible beneficiaries will be displayed for continuous social audit 

• Any person who feels his name is not in the eligible list shall apply at the ward/ village Secretariat. 

• A portal shall be launched exclusively to monitor the scheme implementation in coordination with the bankers 

• Issue of Smart ID cards (QR Code) through Ward / Village volunteers to all eligible beneficiaries 

• Bank accounts to be opened for those beneficiaries not having Bank accounts by Ward/ Village volunteers. 

Loaning Process under Jagananna Thodu

Following is the loaning process under Jagananna Thodu.

• Applications under this scheme to be received by Ward / Village Secretariats through village and ward volunteers 

• Applications to be forwarded to Banks by the District Collectors for processing after processing at Ward/ village secretariat 

• Banks to scrutinize the applications and sanction the loan amount as requested by the beneficiary upto Rs.10,000/- 

• Loans to be disbursed to beneficiaries through Direct transfer to beneficiaries account.

• Loans and Repayment transactions to be shared by banks to Department of Gram Volunteers / Ward Volunteers and Village Secretariats /Ward Secretariats on a day to day basis. 

• Department of Grama and Ward secretariat will work out the interest payment procedure in consultation with the bankers 

References

While crafting this guide, we have consulted reliable and authoritative sources, including official government directives, user manuals, and pertinent content sourced from government websites.

Navasakam Beneficiary Management