Big Loan Scheme
By Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC)
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Quick Answer
DSFDC term loans up to ₹5 lakh for marginalized residents of Delhi to set up non-polluting income-generating businesses.
About this loan
Marginalized residents of Delhi can get a term loan of up to ₹5,00,000 to start income-generating activities in permissible non-polluting trades. The Big Loan Scheme is run by the Delhi Scheduled Castes/Other Backward Classes/Minorities & Handicapped Finance and Development Corporation Limited (DSFDC) under the Government of National Capital Territory (GNCT) of Delhi. It is for Scheduled Castes, Other Backward Classes, Minorities, Safai Karamcharis and Persons with Disabilities.
The loan is generally repayable in 60 equal monthly installments over five years, after a six-month moratorium. Persons with Disabilities get up to ten years (120 months) and a three-month moratorium.
Applicants must be permanent residents of Delhi aged 18 to 50, with no default on a previous loan from DSFDC, Nationalized Bank, Financial Institution or Co-operative Bank. Annual family income must not exceed ₹1,20,000 for Scheduled Castes, Other Backward Classes and Minorities (non-creamy layer), or ₹6,00,000 for the creamy layer of Minorities.
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 scheme offers a term loan of up to ₹5,00,000 per applicant, designed to fund various income-generating activities and small business setups. This financial support can cover a significant part of the total project cost. The loan is generally repayable in 60 equal monthly installments over five years. A six-month moratorium period is provided before repayments begin, offering a crucial grace period for beneficiaries to stabilize their ventures. For Persons with Disabilities, a more extended repayment period of up to ten years (120 months) is allowed, coupled with a three-month moratorium, providing greater flexibility and support tailored to their needs. The funds are disbursed directly to the applicant's account upon completion of all necessary formalities.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications for the Big Loan Scheme undergo a thorough review by the DSFDC. The selection committee assesses each application based on the applicant's eligibility, adherence to scheme guidelines, possession of required knowledge and experience for the proposed activity, and the viability of the income-generating project. Special attention is given to ensuring the applicant is not a past defaulter. Once an application is reviewed and approved, a Letter of Intent is issued to the successful applicant. Final loan sanction and disbursement are contingent upon the applicant completing all prescribed formalities and submitting necessary post-sanction documents, which typically include guarantor details and various affidavits.
Application Process
- 1
Obtain Application Form
Download the application form online or collect it from a DSFDC office.
You - 2
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- 5
How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
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- 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 I can avail under the Big Loan Scheme?
You can avail a term loan of up to ₹5,00,000 (Five Lakh Rupees) for your income-generating activity or business setup.
Who is eligible to apply for this loan?
The scheme targets permanent residents of Delhi aged 18-50 years, belonging to Scheduled Castes, Other Backward Classes, Minorities, Safai Karamcharis, and Persons with Disabilities. Income ceilings apply to most categories, except for Persons with Disabilities and Safai Karamcharis.
What kind of businesses or activities are supported?
The loan is provided for setting up income-generating activities under permissible non-polluting trades approved in Delhi. For manufacturing units, the workplace must be in an approved industrial area.
What are the repayment terms for the loan?
Generally, the loan is repayable in 60 monthly installments over five years, with a six-month moratorium period. For Persons with Disabilities, the maximum repayment period is ten years with a three-month moratorium period.
How do I apply for the Big Loan Scheme?
The application process is offline. You need to obtain or download the application form, fill it out completely, attach all mandatory documents, and submit it to a DSFDC Head or Branch Office in Delhi along with a processing fee of ₹350/-.
Are there any specific documents required for the application?
Applicants are required to submit copies of all mandatory documents, which may include proof of residency, age, caste/category certificate, income certificate (if applicable), and business-related permissions like SSI Certificate or Pollution Control Certificate if required on a case-to-case basis. All documents should be self-attested where necessary.
Sources
Data on this page is compiled from official program and provider references.
