Composite Loan Scheme
By Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC)
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Quick Answer
A DSFDC loan for SC, ST, OBC, Minority and disabled residents of Delhi: up to ₹3,00,000 for SC applicants and up to ₹1,00,000 for the others, for self-employment.
About this loan
The Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation (DSFDC), under the Government of NCT of Delhi, gives need-based loans to start or expand income-generating work. SC applicants can borrow up to ₹3,00,000. OBC, Minority and Persons with Disabilities (PwD) applicants can borrow up to ₹1,00,000.
You must belong to one of these groups, live in Delhi and be 18 to 50 years old. Annual family income must not exceed ₹1,20,000. You need a workplace, owned or rented, and must not be a defaulter under any DSFDC scheme.
Eligibility
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Grant providers
Provider
Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC)Delhi · Delhi · India
The Delhi SC/ST/OBC/Min. & Handicapped Finance & Development Corp. Ltd., known as DSFDC, is a fully owned undertaking of the Government of NCT of Delhi. It was incorporated on 29 January 1983 and lends to entrepreneurs from the groups it serves, working from its headquarters at…
Learn moreBenefits & Funding
- Amount
- Up to ₹3L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The Composite Loan Scheme offers crucial financial support to empower individuals from marginalized communities in Delhi. Beneficiaries from the Scheduled Caste (SC) category can access need-based loans of up to ₹3,00,000, while those from Other Backward Classes (OBC), Minorities, and Persons with Disabilities (PwD) are eligible for loans up to ₹1,00,000. This direct cash assistance is intended to facilitate self-employment and establish various income-generating activities, fostering economic independence. Beyond the capital, the scheme indirectly provides a pathway to financial inclusion and entrepreneurial development by enabling individuals to invest in their ventures and create sustainable livelihoods.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications submitted to the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation undergo a thorough screening process. This involves verifying the applicant's eligibility criteria, including caste/category, residency, age, family income, and the viability of the proposed income-generating activity. DSFDC officials will review all submitted documents to ensure compliance with the scheme guidelines. Applicants who meet all criteria and submit a complete application will then be considered for loan disbursement.
Application Process
- 1
Download & Fill Form
Download the application form, fill in all details, and attach supporting documents.
You - 2
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How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
What is the maximum loan amount available under this scheme?
The maximum loan amount is ₹3,00,000 for individuals from the Scheduled Caste category and ₹1,00,000 for individuals from Other Backward Classes, Minorities, and Persons with Disabilities.
Who is eligible to apply for the Composite Loan Scheme?
The scheme is open to residents of Delhi aged 18-50 years, belonging to Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority, or Persons with Disability categories, with an annual family income not exceeding ₹1,20,000. Applicants must also intend to pursue approved income-generating activities and not be a defaulter under any DSFDC scheme.
How do I apply for the Composite Loan Scheme?
Applications are processed offline. You need to download and print the prescribed application form, fill it out completely, attach necessary self-attested documents and a passport-sized photograph, and then submit it to the Branch In-Charge/Section In-Charge of the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation.
What types of activities can be funded by this loan?
The loan can be used for various income-generating activities, as specified in the scheme guidelines. These activities are designed to promote self-employment and entrepreneurship among the target groups.
Is there an income limit to qualify for this loan?
Yes, the annual family income of the applicant from all sources must not exceed ₹1,20,000.
Sources
Data on this page is compiled from official program and provider references.
