Micro Finance Scheme of NMDFC
Ministry of Minority Affairs द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
Concessional loans of up to ₹1,00,000 or ₹1,50,000 for Self Help Group members from minority communities, for income-generating activities. Run by NMDFC.
- फंडिंग राशि
- ₹1 लाख – ₹1.5 लाख
- फंडिंग प्रकार
- ऋण
- प्रदाता
- Ministry of Minority Affairs
- आवेदन की अंतिम तिथि
- निरंतर
- स्थान
- भारत में पंजीकृत स्टार्टअप्स के लिए खुला
इस लोन के बारे में
Members of Self Help Groups (SHGs) and Thrift and Credit Groups (TCGs) from minority communities can get concessional loans for income-generating activities such as petty trade, handicrafts, food processing and service enterprises. The scheme is run by NMDFC under the Ministry of Minority Affairs.
Under Credit Line-1 you can borrow up to ₹1,00,000 at 7%. Under Credit Line-2 you can borrow up to ₹1,50,000 at 10%. Women under Credit Line-2 get a 2% concession, which brings their rate to 8%.
At least 75% of each group's members must belong to notified minority communities (minimum 60% in exceptional cases). Annual family income per beneficiary must not exceed ₹3.00 lakh under Credit Line-1 or ₹8.00 lakh under Credit Line-2. The group needs a satisfactory thrift and credit record of at least six months, and beneficiaries must not be defaulters under any other loan scheme.
पात्रता
देखें कि आप पात्र हैं या नहीं
पूरी पात्रता शर्तें — संस्था प्रकार, स्टेज, क्षेत्र, फाउंडर प्रोफ़ाइल और पंजीकरण आवश्यकताएं — साथ ही इस प्रोग्राम के लिए आपकी फ़िट। देखने के लिए साइन अप करें।
अनुदान प्रदाता
लाभ और फंडिंग
- राशि
- ₹1 लाख – ₹1.5 लाख
- फंड प्रकार
- ऋण
- इक्विटी
- इक्विटी-मुक्त
- चुकौती
- चुकाने योग्य
आपको क्या मिलेगा
The scheme provides concessional credit to eligible members of Self Help Groups (SHGs) and Thrift and Credit Groups (TCGs) within minority communities. Under Credit Line-1, beneficiaries can access up to ₹1,00,000, while Credit Line-2 offers loans up to ₹1,50,000. These loans come with attractive interest rates of 7% and 10% respectively, with an additional 2% concession specifically for women beneficiaries under Credit Line-2, effectively reducing their rate to 8%. The funding is intended for a diverse range of income-generating activities, including petty trade, handicrafts, food processing, and service enterprises, enabling beneficiaries to start or expand their micro-businesses. By facilitating access to formal credit at affordable rates, the scheme supports economic empowerment, improves livelihoods, and promotes financial independence among minority individuals who typically lack access to mainstream banking.
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
The selection process for the Micro Finance Scheme involves multiple layers of assessment to ensure that the credit reaches the intended beneficiaries and is utilized effectively for income-generating activities. Applications submitted through State Channelizing Agencies (SCAs) or Banking Partners are first screened for basic eligibility, including the composition of the Self Help Group (SHG) or Thrift and Credit Group (TCG) and the annual family income of individual beneficiaries. The SHG's track record of thrift and credit activity for at least six months is also a critical factor. Subsequently, a detailed appraisal of the proposed income-generating activity is conducted to ascertain its feasibility and potential for income generation. Preference is often given to women SHGs and groups operating in rural and minority-concentrated areas, aligning with the scheme's core objectives of empowering vulnerable communities. Final approval and loan sanction are granted based on a comprehensive review of these factors by the implementing agencies.
आवेदन प्रक्रिया
- 1
Contact Agencies
Approach State Channelizing Agencies (SCAs) or designated Banking Partners for application guidance.
आप - 2
- 3
- 4
- 5
आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
- 1
अपना आवेदन ड्राफ़्ट करें
ग्रांट ट्रैकर के अंदर फ़ॉर्म भरें — AI आपके पिछले उत्तरों का उपयोग करके हर उत्तर का ड्राफ़्ट बनाता है, ताकि आपको खाली पन्ने से शुरुआत न करनी पड़े।
- 2
शुरू करने से पहले प्रश्न देखें
इस कार्यक्रम के आवेदन फ़ॉर्म में पूछे जाने वाले सभी प्रश्न डाउनलोड करें, ताकि पोर्टल खोलने से पहले आप अपने उत्तर ऑफ़लाइन तैयार कर सकें।
- 3
अपने दस्तावेज़ तैयार करें
चेकलिस्ट के हर दस्तावेज़ को एक ही फ़ोल्डर में तैयार रखें। दस्तावेज़ों की कमी आवेदन खारिज होने का सबसे बड़ा कारण है।
- 4
आधिकारिक पोर्टल पर जमा करें
आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
- 5
फ़ॉलो अप करें
जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।
अक्सर पूछे जाने वाले प्रश्न
Who is eligible to apply for this scheme?
The scheme is primarily for members of Self Help Groups (SHGs) or Thrift and Credit Groups (TCGs) where at least 75% of members belong to notified minority communities (can be 60% in exceptional cases). Individual beneficiaries must not exceed an annual family income of ₹3 lakh for Credit Line-1 or ₹8 lakh for Credit Line-2.
What kind of activities can be funded under this scheme?
Loans can be used for various income-generating activities such as petty trade, handicrafts, food processing, and service enterprises, aiming to support the establishment or expansion of micro-businesses.
What are the interest rates for the loans?
Under Credit Line-1, the interest rate is 7%, and under Credit Line-2, it is 10%. A special concession of 2% is offered to women beneficiaries under Credit Line-2, reducing their effective rate to 8%.
How much loan can an individual member receive?
Each eligible member of an SHG can receive up to ₹1,00,000 under Credit Line-1 and up to ₹1,50,000 under Credit Line-2.
How does one apply for the Micro Finance Scheme?
Applications are processed offline through designated State Channelizing Agencies (SCAs) nominated by state governments and Banking Partners like Canara Bank and Punjab Grameen Bank. Applicants should contact these agencies for detailed application procedures and required documents.
Is there any specific preference given to certain groups?
Yes, preference is given to women Self Help Groups and groups operating in rural and minority-concentrated areas, reinforcing the scheme's focus on empowering vulnerable segments within minority communities.
स्रोत
इस पेज की जानकारी आधिकारिक प्रोग्राम और प्रदाता स्रोतों से ली गई है।
