TAHDCO – Meaning, Benefits and Scheme Details

TAHDCO or Tamil Nadu Adi Dravidar Housing and Development Corporation Limited is the scheme that functions towards providing Socio-Economic Development. It caters to the citizens under the categories of Scheduled Tribe and Caste that are living below the poverty line. The organisation is entrusted with several responsibilities, including the construction of public infrastructure such as schools, colleges, etc. 

Overview of TAHDCO (Tamil Nadu Adi Dravidar Housing and Development Corporation Limited)     

Tamil Nadu Adi Dravidar Housing and Development Corporation Limited is an organisation established in 1974 under the Companies Act, 1956. Initially, it functioned as a construction company but gradually, from the year 1980, undertook numerous actions to improve the skill set, income, and training of the economically backward sections. 

Major Benefits and Features of TAHDCO

The key features and benefits of TAHDCO include:-

• TAHDCO executes economic development schemes for the welfare of Scheduled Castes and Scheduled Tribes in the state.      
•  TAHDCO provides training for skill development to youth from the Scheduled Caste and Scheduled Tribe groups for job or self-employment.
• TAHDCO undertakes construction activities consigned by the government.

Key Facts About Tamil Nadu Adi Dravidar Housing and Development Corporation

• It was established in 1974.
• The organisation undertakes schemes for construction and economic development that provide training for income generation and skill development to people from Scheduled Caste and Scheduled Tribe groups in Tamil Nadu.
• The organisation comprises two wings, including Development Wing and Construction Wing.

Construction Activities of TAHDCO

Tamil Nadu Adi Dravidar Housing and Development Corporation Limited takes care of construction activities for schools, laboratories, hostels, community halls, quarters for teachers, residential schools for tribal students, toilets or various other infrastructures as required. 

Economic Development by TAHDCO

TAHDCO has implemented several schemes that receive funding as SCA or Special Central Assistance. An amount of Rs 125 Crores is provided annually to the organisation to perform schemes including land purchase, land development, etc. 

Land Purchase TAHDCO Scheme

Land Purchase TAHDCO scheme has been designed to enhance the landholding of Schedule Castes and to make their socio-economic status better in the district. Under this scheme, the government gives orders for a 100% stamp duty exemption.     

Eligibility Criteria to Avail the Scheme     

• The individual should be a Scheduled Caste Woman.
• The individual should be between the age of 18 and 65.
• The annual family income of the individual should not be more than Rs 1 lakh. 
• The individual should not have any agricultural land in his/her name.
• The individual’s occupation should be agriculture.
• The applicant and her family members should not have taken the benefit of any subsidy before. 

Conditions to Avail the Scheme

• The applicants themselves have to select the land to purchase.
• The land needs to be purchased from the owner of the land, who does not fall under the Schedule Caste category.
• The land needs to be registered in the name of the applicant only.
• The land should not be sold in the next 20 years.

Land Development TAHDCO Scheme

Land Development TAHDCO scheme has been designed to enhance the landholding of Schedule Castes and to make their socio-economic status better in the district. Under this scheme, the government issues an order for 100% stamp duty exemption for the registration of the land purchased.     

Eligibility Criteria to Avail the Scheme

• The individual should be a Scheduled Caste.
• The individual should be between the age of 18 and 65.
• The annual family income of the individual should not be more than Rs 1 lakh. 
• The applicant and his or her family members should not have taken the benefit of any subsidy before. 

Conditions to Avail the Scheme     

• The land needs to be purchased from the owner of the land, who does not fall under the Schedule Caste category.
• Those who have the land registered in their names can avail the benefits of land development activities.
• The land should not be sold in the next 20 years.
• It is mandatory to take up the land development activities such as electrification of pump sets and digging of an open well and bore well according to the NABARD guidelines.
• Entrepreneur Development Programme (EDP).

The Objective of the Scheme

• To provide financial assistance to the activities related to income generation.
• To motivate a person to opt and pursue their career in entrepreneurship and prepare him or her to make the most of the business opportunities.     

The Key Feature

• The subsidy will be a front end subsidy. And the subsidy amount is either 30% of the Unit Cost of Rs 2.25 Lakh (whichever is less). 

Eligibility Criteria to Avail the Scheme

• The individual should be experienced in the trade he or she has applied for.
• The applicant and his or her family members should not have taken the benefit of any subsidy before. 
• The individual should have an eligibility certificate provided by recognised institutions.

TAHDCO Scheme for Self-Employment of Youth (SEPY)

Under the SEPY or Self-Employment of Youth Scheme by TAHDCO, the youth between the age of 18 and 45 are trained to acquire financial assistance to begin ventures sustainable over a period.

The Key Feature

• The subsidy will be a front end subsidy. And the subsidy amount is either 30% of the unit cost or Rs 2.25 Lakh (whichever is less). 

Eligibility Criteria to Avail the Scheme

• The individual should be from the Scheduled Caste group.
• The annual family income of the individual should not be more than Rs 1 lakh.
• The individual should be between the age of 18 and 45.
• The individual should be experienced in the trade he or she has applied for.
• The applicant and his or her family members should not have taken the benefit of any subsidy before. 
• The individual should have an eligibility certificate provided by recognised institutions.

Conditions to Avail the Scheme

• The applicant himself or herself has to select the trade.
• The assets created under the SEPY scheme need to be registered in the name of the applicant only.
• The business should be executed in the subsidy-sanctioned district only. 

TAHDCO Loan Details for Economic Development

With TAHDCO subsidy, bank loans are arranged for self-employment under the schemes of EDP (Entrepreneur Development Programme) and SEPY ( Self Employment Programme for Youth). TAHDCO releases the subsidy as and when the banks sanction loans. Banks might choose Scheduled Caste or Scheduled Tribe beneficiaries with the annual income of Rs 1 Lakh from their own marketing network under a refinancing institution – MUDRA and Stand-Up India Schemes. 

TAHDO then associates with the managers of all branches and then processes these cases on a priority basis. 

How to Get a Bank Loan?

You are required to visit the official website of TAHDCO, register and submit the documents mentioned below along with a grant of funds through the organisation for self-employment. 

Documents to be Submitted:

• Community Certificate
• Certificate of Income (of below Rs 1,00,000)
• Project Report
• Quotation with TIN No.
• License with Badge
• Aadhaar Card / Voter ID Card
• Transfer Certificate (Xerox)
• Photograph
• Bank Passbook (First Page)
• Experience Certificate

Skill Development by TAHDCO

The organisation might also receive funds timely from the state government to implement skill training for the unskilled and underprivileged. The skills could be in any field. 

Other Schemes Offered by TAHDCO

The Tamil Nadu Scavengers Welfare Board was established a few years ago under the chairmanship of Adi Dravidar and the Tribal Welfare Department’s Minister. In addition, there are chances for undertaking several schemes to ensure the welfare of the members of the board.      

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