Dilli Swarojgar Yojna
By Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC)
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Quick Answer
Need-based loans up to ₹5 lakh at 6% interest for SC, ST, OBC and Minority individuals in Delhi to start or expand a small business.
About this loan
Dilli Swarojgar Yojna gives need-based loans up to ₹5,00,000/- at 6% interest per annum to people from Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC) and Minority communities in Delhi. Use it to start or expand a small business. It is run by the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minorities Financial and Development Corporation (DSFDC), under the Government of NCT of Delhi.
Activities covered include vegetable, fruit and flower shops, dairy product sales, tailoring and other permissible non-polluting manufacturing.
You must have lived in Delhi for the last five years and be aged 18 to 50 years. Annual family income from all sources must not exceed ₹2,00,000/-. You need a proper workplace, must not be a defaulter under any earlier DSFDC scheme, and must be 8th standard pass (traditional artisans are exempt). Technical qualification for the activity is needed unless you are a traditional artisan or have 3+ years of experience in it.
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 ₹5L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The Dilli Swarojgar Yojna offers need-based loans up to ₹5,00,000/- to eligible individuals, providing crucial capital for starting or expanding small businesses. The loan is disbursed at a highly affordable annual interest rate of 6%, making it accessible to entrepreneurs from marginalized communities. This financial support enables beneficiaries to engage in various income-generating activities such as setting up vegetable shops, dairy product businesses, tailoring units, and other non-polluting manufacturing activities, thereby promoting self-reliance and economic upliftment.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications for the Dilli Swarojgar Yojna are subject to a rigorous review process by the DSFDC. This typically involves an initial screening of the submitted application form and supporting documents to verify eligibility criteria, including residency, age, family income, and community affiliation. A thorough assessment of the proposed income-generating activity, including the business plan, viability, and the applicant's technical qualifications or experience, is also conducted. Furthermore, a check for any prior defaults with DSFDC or other financial institutions will be carried out. The final approval and sanction of the loan are made based on the overall assessment and discretion of the DSFDC's selection committee, ensuring that deserving and viable applicants receive the financial support.
Application Process
- 1
Collect/Download Form
Applicant collects the loan application form from DSFDC offices or downloads it online.
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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
Who is eligible to apply for the Dilli Swarojgar Yojna?
The scheme is open to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, and Minority communities who are residents of Delhi for at least five years. Applicants must be between 18 and 50 years of age, with an annual family income not exceeding ₹2,00,000/-.
What kind of activities can be funded under this scheme?
The scheme supports a variety of income-generating activities including, but not limited to, vegetable/fruit/flower shops, dairy product businesses, tailoring shops, and other permissible non-polluting manufacturing activities. The complete list is available in the scheme guidelines.
What is the maximum loan amount and interest rate?
Applicants can avail need-based loans up to ₹5,00,000/- (Rupees Five Lakhs only) at an interest rate of 6% per annum.
Is any specific qualification or experience required for the proposed activity?
Yes, applicants should have passed a minimum 8th standard and possess technical qualifications for their proposed activity. However, this requirement is waived for traditional artisans or entrepreneurs who have been engaged in the same activity for at least the past three years.
What is the application process for the Dilli Swarojgar Yojna?
Applicants need to visit DSFDC branch offices or headquarters to collect the application form (or download it online), fill it with all mandatory details and documents, and submit it along with the processing fee. Upon approval, a loan sanction letter is issued, and funds are disbursed to the applicant's bank account after agreement signing and submission of post-sanction documents.
How is the loan repaid?
The loan must be repaid as per the agreed terms and conditions. Timely repayment is expected through the Electronic Clearing Service (ECS) or by providing post-dated cheques during the application process.
Sources
Data on this page is compiled from official program and provider references.
