SC/ST Loan Processing Fee Refund
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Quick Answer
SC/ST MSEs get back 80% of bank loan processing fees, up to Rs. 1,00,000 per financial year.
- Funding amount
- Up to ₹1L
- Funding type
- Subsidy
- Provider
- National SC-ST Hub
- Application deadline
- Rolling
- Location
- Open to startups registered in India
- Registrations needed
- Udyam registration
About this subsidy
Taking a business loan costs money before the loan even reaches you — the processing fee. Under the National SC-ST Hub's competitiveness interventions, an SC/ST-owned micro or small enterprise can claim that fee back.
The assistance is 80% of the processing fee or Rs. 1,00,000, whichever is less, excluding GST and other applicable taxes. It is claimed per financial year and only after the business loan has actually been availed.
Loans from Scheduled Commercial Banks, NBFCs and State Finance Corporations all count.
Eligibility
See if you're eligible
Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Subsidy providers
The National SC-ST Hub (NSSH) is a Government of India scheme under the Ministry of Micro, Small and Medium Enterprises, implemented through the National Small Industries Corporation (NSIC), a public-sector undertaking under that ministry. It was launched by the Prime Minister…
Learn moreBenefits & Funding
- Amount
- Up to ₹1L
What You Get
Reimbursement of the processing fee your lender charged on a business loan — 80% of the fee or Rs. 1,00,000, whichever is less, excluding GST and other applicable taxes. It is claimable once per financial year and only after the loan has been availed, so it works as a rebate on the cost of borrowing rather than as fresh capital.
- Disbursement
- Reimbursement
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Application Process
- 1
Avail the business loan
Take a business loan from a Scheduled Commercial Bank, NBFC or State Finance Corporation.
You - 2
- 3
- 4
How to apply
Four steps from draft to disbursement — one action each.
- 1
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.
- 2
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 3
Submit on the official portal
Use the official application link and verify all details before final submission.
- 4
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
How much can I claim?
80% of the processing fee or Rs. 1,00,000, whichever is less, excluding GST and other applicable taxes.
Does the GST on the fee get reimbursed too?
No. GST and all other applicable taxes are excluded from the claim.
Can I claim before the loan is disbursed?
No. The claim can be made only after the business loan has been availed in that financial year.
Are NBFC loans covered?
Yes — loans from Scheduled Commercial Banks, NBFCs and State Finance Corporations are all eligible.
How often can I claim?
The assistance is limited per financial year.
Sources
Data on this page is compiled from official program and provider references.
News
- How national SC-ST hub is opening markets for enterprisesorganiser.org · last week
- National SC-ST Hub: From Enterprise Support to Public Procurement Opportunitiesddindia.co.in · 2 weeks ago
Source: Google News aggregated
