Sh. Kuldeep Chand S/o Sh. Duni Chand is a resident of Village and P.O. Chahri Tehsil , Kangra , who belonged to an economically backward family prior to the loan-sanction when apprised by someone that the Himachal Backward Finance Development has a provision of extending loan on easy installments to the economically deprived persons to keep them set up their independent professional units or let-outs.

Sh. Kuldeep Chand 45 yrs old is 10+2 qualified who annual income for all the sources was not more than Rs.29000. but who made up his mind to apply for a loan of a tractor-trolley . Rural Finance Development Corporation. Sh. Kuldeep Chand knew driving and a loan of Rs.2, 92,000 was sanctioned to him on 14.07.01.Thereafter, the beneficiary had been able to repay the entire loan to the Corporation.

He has also engaged three unemployed youth and provided them work. At present the annual income of Kuldeep Chand is above Rs. 87000 and is leading a happy life with his old parents, wife, two sons and one daughter.