Credit Based Schemes For SC - Term Loan (TL)
Ministry of Social Justice and Empowerment द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
This scheme provides term loans and subsidies to Scheduled Caste entrepreneurs for viable income-generating projects up to ₹50 lakh, implemented through State Channelising Agencies and banks.
- फंडिंग राशि
- ₹47.5 लाख तक
- फंडिंग प्रकार
- ऋण
- आवेदन की अंतिम तिथि
- निरंतर
- स्थान
- भारत में पंजीकृत स्टार्टअप्स के लिए खुला
इस लोन के बारे में
The "Credit Based Schemes For SC - Term Loan (TL)" by the National Scheduled Castes Finance and Development Corporation (NSFDC), Ministry of Social Justice and Empowerment, Government of India, is designed to offer financial assistance for various income-generating activities and to foster economic development among beneficiaries from the Scheduled Caste community. This initiative provides term loans for economically viable projects, with a maximum unit cost of ₹50,00,000/-. The scheme operates through a network of State Channelising Agencies (SCAs), Regional Rural Banks (RRBs), Public Sector Banks (PSBs), and other affiliated channelising agencies, which facilitate the appraisal, sanction, and disbursement processes. Financial support is extended across diverse sectors, contingent on a thorough viability assessment of the proposed projects. NSFDC contributes up to 95% of the total project cost, with the beneficiary responsible for a mandatory promoter contribution. Additionally, eligible beneficiaries living below the poverty line may also qualify for a subsidy, subject to predefined limits. This comprehensive approach aims to empower Scheduled Caste individuals by enabling them to establish and expand their enterprises, thereby contributing to their financial independence and broader economic upliftment.
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
The Ministry of Social Justice and Empowerment is a Government of India ministry, with its office at Shastri Bhawan in New Delhi. Its entrepreneurship loans are run through two corporations under the ministry, the National Scheduled Castes Finance and Development Corporation…
Learn moreलाभ और फंडिंग
- राशि
- ₹47.5 लाख तक
- फंड प्रकार
- ऋण
- चुकौती
- चुकाने योग्य
आपको क्या मिलेगा
- Term Loan: Financial assistance is provided for up to 95% of the project cost, with a maximum project cost ceiling of ₹50,00,000/-. This translates to a maximum loan amount of ₹47.5 lakh (95% of ₹50 lakh).
- Promoter Contribution: Beneficiaries are required to contribute a percentage of the project cost: 2% for projects up to ₹5 lakh, 3% for projects between ₹5 lakh and ₹10 lakh, and 5% for projects above ₹10 lakh.
- Subsidy for BPL Beneficiaries: Eligible beneficiaries living below the poverty line may receive a subsidy of ₹10,000/- or 50% of the unit cost, whichever is less.
- Attractive Interest Rates: Loans are offered at competitive annual interest rates: 6% for loans up to ₹5 lakh, 8% for loans between ₹5 lakh and ₹10 lakh, and 9% for loans between ₹10 lakh and ₹50 lakh.
- वितरण
- Milestone Based
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
The selection process involves multiple levels of appraisal and recommendation. First, loan applications submitted to District Offices of State Channelising Agencies (SCAs) are scrutinized. The SCAs then appraise the viability of project proposals at their Head Offices and forward viable projects with their recommendations to NSFDC for sanction. Alternatively, applications submitted to other Channelising Agencies (RRBs, PSBs, NBFC-MFIs) undergo a similar appraisal. At NSFDC, project proposals are further appraised by the Project and Banking Desk, and an appraisal report is submitted to the Project Clearance Committee (PCC) for concurrence. Proposals deemed in order are then recommended for sanction.
आवेदन प्रक्रिया
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Contact Channelising Agency
Applicant contacts the nearest State Channelising Agency (SCA), Regional Rural Bank, Public Sector Bank, or other associated agency.
आप - 2
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आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
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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।
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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।
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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।
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आधिकारिक पोर्टल पर जमा करें
आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
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फ़ॉलो अप करें
जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
अक्सर पूछे जाने वाले प्रश्न
What is the maximum project cost covered under this scheme?
The scheme supports viable projects with a unit cost of up to ₹50,00,000/-.
What percentage of the project cost can NSFDC provide?
NSFDC provides financial assistance for up to 95% of the project cost.
What is the required promoter contribution?
Beneficiaries must contribute 2% for projects up to ₹5 lakh, 3% for projects between ₹5 lakh and ₹10 lakh, and 5% for projects above ₹10 lakh.
Are there any subsidies available?
Yes, beneficiaries living below the poverty line may receive a subsidy of ₹10,000/- or 50% of the unit cost, whichever is less.
What are the interest rates for the loans?
Interest rates vary based on the loan amount: 6% p.a. for loans up to ₹5 lakh, 8% p.a. for loans between ₹5 lakh and ₹10 lakh, and 9% p.a. for loans between ₹10 lakh and ₹50 lakh.
How do I apply for this scheme?
Eligible individuals should contact the nearest State Channelising Agency (SCA), Regional Rural Bank, Public Sector Bank, or other associated channelising agency. Loan applications are typically submitted to the District Offices of SCAs.
स्रोत
इस पेज की जानकारी आधिकारिक प्रोग्राम और प्रदाता स्रोतों से ली गई है।
