Virasat Loan 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 up to ₹10 lakh for artisans and craftspersons from notified minority communities, for working capital and fixed capital.
- फंडिंग राशि
- ₹10 लाख तक
- फंडिंग प्रकार
- ऋण
- प्रदाता
- Ministry of Minority Affairs
- आवेदन की अंतिम तिथि
- निरंतर
- पात्र चरण
- राजस्व
- स्थान
- भारत में पंजीकृत स्टार्टअप्स के लिए खुला
इस लोन के बारे में
The Virasat Loan Scheme gives concessional term loans to traditional artisans and craftspersons from India's notified minority communities. It is run by the National Minorities Development & Finance Corporation (NMDFC) under the Ministry of Minority Affairs.
You can borrow up to ₹10 lakh to buy equipment, tools, machinery and raw materials, or to cover working capital. The loan also supports your production and market linkage.
The loan is meant for traditional crafts such as handloom, handicraft, metalwork, leatherwork, embroidery and pottery.
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
- ₹10 लाख तक
- फंड प्रकार
- ऋण
- इक्विटी
- इक्विटी-मुक्त
- चुकौती
- चुकाने योग्य
आपको क्या मिलेगा
The Virasat Loan Scheme provides concessional credit up to ₹10 lakh to eligible minority artisans and craftspersons. The interest rates are highly competitive, set at 5% per annum under Credit Line-1 and 6% per annum for male artisans under Credit Line-2. A significant concession of 1% is provided to female artisans under both credit lines, meaning rates as low as 4% are available. This funding is specifically designed to cover both working capital requirements and fixed capital needs, such as the purchase of essential equipment, tools, machineries, and raw materials. Beyond financial aid, the scheme supports market linkage efforts, helping artisans enhance their production and reach wider markets, thereby fostering sustainable livelihoods and business growth.
- वितरण
- Lump Sum
- बूटस्ट्रैप अनुकूल
- हाँ
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
चयन प्रक्रिया
Applications are reviewed by the State Channelizing Agencies (SCAs) and banking partners based on the stipulated eligibility criteria, including the applicant's background, financial need, and the viability of their traditional occupation. Preference is given to women artisans and those in minority-dominated occupational clusters. The assessment focuses on ensuring the applicant meets all community, income, and occupational requirements, as well as the proposed use of funds aligns with the scheme's objectives to enhance production and market linkages.
आवेदन प्रक्रिया
- 1
Contact Agency/Bank
Applicant contacts the State Channelizing Agency or a banking partner like Canara Bank/Punjab Grameen Bank for scheme details.
आप - 2
- 3
- 4
- 5
- 6
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
What is the maximum loan amount I can avail under the Virasat Loan Scheme?
You can avail a maximum loan amount of up to ₹10,00,000/- (₹10 lakh) under either Credit Line-1 or Credit Line-2 of the scheme.
What are the interest rates for the loan?
Interest rates are 5% per annum for Credit Line-1. For Credit Line-2, it is 6% per annum for male artisans. Female artisans receive a 1% concession under both credit lines, meaning their rates are 4% for Credit Line-1 and 5% for Credit Line-2.
Who is eligible to apply for this loan?
Indian citizens belonging to the notified minority communities (Muslim, Christian, Sikh, Buddhist, Parsi, Jain) with an annual family income not exceeding ₹3 lakh (Credit Line-1) or ₹8 lakh (Credit Line-2), who are artisans or craftspersons in traditional occupations with basic skills/certification, are eligible. Applicants should also not be beneficiaries of similar schemes.
How can I apply for the Virasat Loan Scheme?
Applications are processed offline. NMDFC implements its schemes through State Channelizing Agencies (SCAs) nominated by respective State Governments and banking partners (currently Canara Bank & Punjab Grameen Bank). You will need to contact these agencies or banks for the application process.
What can the loan be used for?
The loan can be utilized for meeting working capital requirements and fixed capital needs, including the purchase of equipment, tools, machineries, and raw materials. Its purpose is to enhance production and facilitate market linkages for your traditional occupation.
Is there any preference for specific applicants?
Yes, preference shall be given to women artisans and occupational clusters located in minority-dominated areas.
स्रोत
इस पेज की जानकारी आधिकारिक प्रोग्राम और प्रदाता स्रोतों से ली गई है।
समाचार
- IIM Bangalore signs agreement with minority affairs ministry, NMDFCnews.careers360.com · last month
Source: Google News aggregated
