Kerala State Backward Classes Development Corporation (KSBCDC)
Kerala State Backward Classes Development Corporation
Government of Kerala
Kerala state corporation offering loans for self-employment, education, housing and personal needs to backward class and minority communities.
KSBCDC at a glance
| Full name | Kerala State Backward Classes Development Corporation |
|---|---|
| Part of | Government of Kerala |
| Established | 1995 |
| Address | II Floor, T.C. No:27/588 (7) & (8) Pattoor, Vanchiyoor P.O., Thiruvananthapuram 695 035 |
| Programmes | 18 standing programmes |
| Official website | ksbcdc.com |
| ksbcdc@ksbcdc.com |
Which KSBCDC programme fits you
18 programmes compared by who they are for, the stage they accept, how long they run and what they cost.
| Programme | Best for | Stage | Duration | Format | Cost |
|---|---|---|---|---|---|
| NBCFDC Self-Employment Loan | Backward class entrepreneurs | — | — | — | — |
| NBCFDC Education Loan | Backward class students | — | — | — | — |
| NBCFDC Microfinance Scheme | Self-help group members | — | — | — | — |
| NMDFC Self-Employment Loan | Minority entrepreneurs | — | — | — | — |
| NMDFC Education Loan | Minority students | — | — | — | — |
| NMDFC Micro-Credit Scheme | Minority self-help group members | — | — | — | — |
| Marriage Assistance Scheme | Minority and other backward communities | — | — | — | — |
| Suvarnashree Multi-Purpose Loan | Minority and other backward communities | — | — | — | — |
| Vidhyashree Education Loan | OBC and minority students | — | — | — | — |
| Foreign Education Loan | Students going abroad | — | — | — | — |
| Business Development Loan | Small business owners | — | — | — | — |
| Working Capital Loan | Small business owners | — | — | — | — |
| Vehicle Loan | Vehicle buyers | — | — | — | — |
| Green Wheel Self-Employment Scheme | Self-employed drivers buying electric or CNG vehicles | — | — | — | — |
| Punarjani Self-Employment Scheme | Widows starting a venture | — | — | — | — |
| Ente Veedu Housing Scheme | Families building or buying a home | — | — | — | — |
| Swastha Griha House Maintenance Loan | Homeowners doing repairs | — | — | — | — |
| Personal Loan | Individuals with personal costs | — | — | — | — |
Programmes they run
Standing programmes at Kerala State Backward Classes Development Corporation (KSBCDC), separate from the funding calls above.
Loans for backward class applicants starting or growing a self-employment venture.
Best for: Backward class entrepreneurs
What you get, who can apply and how to applyHide details
Funded through the national NBCFDC and routed by KSBCDC.
Who can apply
Backward class applicants below the poverty line, within the income limit the scheme sets.
How to apply
Collect the form from the nearest KSBCDC office.
Education loans for backward class students, for study in India and abroad.
Best for: Backward class students
What you get, who can apply and how to applyHide details
Covers study in India and abroad.
Who can apply
Backward class students on a recognised course, within the income limit the scheme sets.
Microfinance for self-help group members, lent through a community development society or NGO.
Best for: Self-help group members
What you get, who can apply and how to applyHide details
Applied for through the intermediary, not by an individual.
Concessional self-employment loans for members of notified minority communities.
Best for: Minority entrepreneurs
What you get, who can apply and how to applyHide details
Notified minority communities include Muslims, Christians, Sikhs, Buddhists, Parsis and Jains.
Who can apply
Members of notified minority communities, within the income limit for the chosen credit line.
Education loans for minority students, for study in India and abroad.
Best for: Minority students
What you get, who can apply and how to applyHide details
Two credit lines cover study in India and study abroad.
Micro-credit for minority self-help group members, lent through a community development society or NGO.
Best for: Minority self-help group members
What you get, who can apply and how to applyHide details
Applied for through the intermediary, not by an individual.
A loan towards marriage costs, from KSBCDC's own funds.
Best for: Minority and other backward communities
What you get, who can apply and how to applyHide details
Who can apply
Minority and other backward community members, within the age and income limits the scheme sets.
A multi-purpose loan from KSBCDC's own funds.
Best for: Minority and other backward communities
What you get, who can apply and how to applyHide details
Who can apply
Minority and other backward community members, within the age and income limits the scheme sets.
Education loan from KSBCDC's own funds for approved courses.
Best for: OBC and minority students
What you get, who can apply and how to applyHide details
Who can apply
OBC and minority students on an approved course.
Loan from KSBCDC's own funds for studies abroad.
Best for: Students going abroad
What you get, who can apply and how to applyHide details
Who can apply
Students within the age and income limits the scheme sets. The site links a list of eligible universities.
Loan for business development, offered in two credit lines.
Best for: Small business owners
What you get, who can apply and how to applyHide details
The credit line depends on the applicant's annual income.
Vehicle Loan
LoanLoan to buy a vehicle, offered in two credit lines.
Best for: Vehicle buyers
What you get, who can apply and how to applyHide details
The second credit line is for government employees.
Self-employment loan for electric or CNG vehicles, with a subsidy on the loan amount.
Best for: Self-employed drivers buying electric or CNG vehicles
Official programme pageSelf-employment loan for widows, with a subsidy on the loan amount.
Best for: Widows starting a venture
Official programme pageHousing loan from KSBCDC's own funds, in two credit lines.
Best for: Families building or buying a home
Official programme pagePersonal Loan
LoanPersonal loan from KSBCDC's own funds, in two credit lines.
Best for: Individuals with personal costs
What you get, who can apply and how to applyHide details
The second credit line is for government employees.
How to apply to Kerala State Backward Classes Development Corporation (KSBCDC)
Choosing the right loan
- Self-employment and business loans: the national schemes cover backward class and minority applicants; KSBCDC's own schemes cover minority and other backward communities.
- Education loans: separate schemes cover study in India and study abroad, and some require a recognised course.
- Vehicle, housing and personal loans: check the credit line that matches your income.
How to apply
- Collect the prescribed application form from the nearest KSBCDC office.
- Submit it with the required documents, such as an income certificate, ration card, Aadhaar card, caste or community certificate, and a project report where relevant.
- Microfinance and micro-credit schemes are applied for through a community development society or an NGO, not by individuals.
How selection works
- After submission and data entry, applicants are called for an interview and to verify original documents.
Contact
- Email: ksbcdc@ksbcdc.com.
About Kerala State Backward Classes Development Corporation (KSBCDC)
Kerala State Backward Classes Development Corporation (KSBCDC) is a Government of Kerala undertaking, set up in 1995 and based in Thiruvananthapuram. It lends money to people from backward and minority communities in the state so they can start ventures, study, buy a vehicle or a home, or meet personal costs.
How the loans work
KSBCDC acts as the state agency for three national corporations: the National Backward Classes Finance and Development Corporation, the National Minorities Development and Finance Corporation, and the National Safai Karamcharis Finance and Development Corporation. Loans under the national schemes are routed through KSBCDC. The corporation also runs its own loan schemes, funded from its own resources, for minority and other backward communities.
Some loans carry a subsidy on the loan amount, paid by other government bodies. The scheme details list the subsidy where one applies.
Who can apply
Eligibility depends on the scheme. Most schemes set limits on age and annual family income, and the national schemes are open to members of the communities they name. The site lists separate credit lines for different income groups, and a separate line for government employees on some loans.
Facilities
The corporation has offices in all 14 districts of Kerala and 20 sub-district offices at taluk level. Applications are made in person at the nearest office.
Locations
The head office is on the second floor of T.C. No. 27/588 (7) and (8) at Pattoor, Vanchiyoor, Thiruvananthapuram 695 035.
Who runs it
KSBCDC is a private limited company fully owned by the Government of Kerala and registered as a non-banking finance company with the Reserve Bank of India. Its stated mission is freedom from poverty and backwardness for the communities it serves.
Get in touch
Send a message to Kerala State Backward Classes Development Corporation (KSBCDC) — we'll forward it on your behalf.
Frequently asked questions about Kerala State Backward Classes Development Corporation (KSBCDC)
What is the full form of KSBCDC?
KSBCDC stands for Kerala State Backward Classes Development Corporation.
What is Kerala State Backward Classes Development Corporation (KSBCDC)?
Kerala State Backward Classes Development Corporation (KSBCDC) is a government body based in Thiruvananthapuram, Kerala.
What does Kerala State Backward Classes Development Corporation (KSBCDC) do?
Kerala State Backward Classes Development Corporation (KSBCDC) is a Government of Kerala undertaking, set up in 1995 and based in Thiruvananthapuram. It lends money to people from backward and minority communities in the state so they can start ventures, study, buy a vehicle or a home, or meet personal costs.
Where is Kerala State Backward Classes Development Corporation (KSBCDC) located?
Kerala State Backward Classes Development Corporation (KSBCDC) is located at II Floor, T.C. No:27/588 (7) & (8) Pattoor, Vanchiyoor P.O., Thiruvananthapuram 695 035.
What programs does Kerala State Backward Classes Development Corporation (KSBCDC) run?
Kerala State Backward Classes Development Corporation (KSBCDC) runs NBCFDC Self-Employment Loan, NBCFDC Education Loan, NBCFDC Microfinance Scheme and NMDFC Self-Employment Loan, among others.
How do I apply to Kerala State Backward Classes Development Corporation (KSBCDC)?
- Self-employment and business loans: the national schemes cover backward class and minority applicants; KSBCDC's own schemes cover minority and other backward communities. - Education loans: separate schemes cover study in India and study abroad, and some require a recognised course. - Vehicle, housing and personal loans: check the credit line that matches your income.
When was Kerala State Backward Classes Development Corporation (KSBCDC) founded?
Kerala State Backward Classes Development Corporation (KSBCDC) was founded in 1995. It is a government body.
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