A loan scheme by Ministry of Social justice and Empowerment for Entrepreneur of Scheduled Caste Category.
A loan scheme by Ministry of Social justice and Empowerment for Entrepreneur of Scheduled Caste Category.
राष्ट्रीय अनुसूचित जाति वित्त और विकास निगम (एन. एस. एफ. डी. सी.), भारत सरकार द्वारा अनुसूचित जाति के लिए ऋण आधारित योजनाएं-सावधि ऋण (टी. एल.) योजना का उद्देश्य अनुसूचित जाति के लाभार्थियों की आय पैदा करने वाली गतिविधियों और आर्थिक विकास के लिए वित्तीय सहायता प्रदान करना है। इस योजना के माध्यम से 50 लाख रुपये तक की इकाई लागत वाली व्यवहार्य परियोजनाओं के लिए सावधि ऋण प्रदान किए जाते हैं। इस योजना को राष्ट्रीय अनुसूचित जाति वित्त और विकास निगम द्वारा राज्य चैनलाइजिंग एजेंसियों, क्षेत्रीय ग्रामीण बैंकों, सार्वजनिक क्षेत्र के बैंकों और अन्य चैनलाइजिंग एजेंसियों के माध्यम से लागू किया जाता है। विभिन्न क्षेत्रों में परियोजनाओं के लिए वित्तीय सहायता उपलब्ध है, जो मूल्यांकन और व्यवहार्यता मूल्यांकन के अधीन है। एन. एस. एफ. डी. सी. परियोजना लागत के 95 प्रतिशत तक सहायता प्रदान करता है, जबकि लाभार्थी निर्धारित प्रवर्तक योगदान का योगदान करता है। निर्धारित सीमाओं के अधीन गरीबी रेखा से नीचे रहने वाले पात्र लाभार्थियों के लिए भी सब्सिडी उपलब्ध हो सकती है। <बीआर>
1. आय-सृजन गतिविधियों के लिए परियोजना लागत के 95 प्रतिशत तक की वित्तीय सहायता, अधिकतम परियोजना लागत ₹50,00,000/- के अधीन। 1. लाभार्थी को 5 लाख रुपये तक की परियोजनाओं के लिए परियोजना लागत का 2 प्रतिशत, 5 लाख रुपये से अधिक की परियोजनाओं के लिए 3 प्रतिशत और 10 लाख रुपये से अधिक की परियोजनाओं के लिए 5 प्रतिशत का योगदान करना होगा। 1. गरीबी रेखा से नीचे रहने वाले लाभार्थियों को 10,000 रुपये या इकाई लागत का 50 प्रतिशत, जो भी कम हो, की सब्सिडी मिल सकती है। 1. लाभार्थियों द्वारा देय ब्याज दरें हैं:-5 लाख रुपये तक के ऋण के लिए 6 प्रतिशत प्रति वर्ष; 5 लाख रुपये से अधिक के ऋण के लिए 8 प्रतिशत प्रति वर्ष और 10 लाख रुपये तक के ऋण के लिए 9 प्रतिशत प्रति वर्ष। > * * संवितरण का तरीका-राज्य चैनलाइजिंग एजेंसियों, क्षेत्रीय ग्रामीण बैंकों, सार्वजनिक क्षेत्र के बैंकों और एन. एस. एफ. डी. सी. से जुड़ी अन्य चैनलाइजिंग एजेंसियों के माध्यम से। <बीआर>
चरण 1: Offline application
The interested eligible person shall contact the nearest Channelling Agency (https://nsfdc.nic.in/channel-patrners/ ). > Indicative Format: https://nsfdc.nic.in/UploadedFiles/other/form/termloan-english.pdf 1. The loan applications are to be submitted by the eligible target group (Scheduled Castes persons having annual family income up to Rs. 3.00 lakhs ) to the District Offices of State Channelising Agencies (SCAs). 1. The District Offices of SCAs/CAs forward these applications, after scrutiny, to their Head Offices. The viability of the project proposals is appraised by the SCAs, and the viable projects are forwarded to NSFDC along with their recommendations for sanction. 1. Eligible target group can also submit their loan application to other Channelising Agencies of NSFDC, such as Regional Rural Banks/ Public Sector Banks/ NBFC-MFIs, etc., with whom NSFDC has signed Memoranda of Agreements. 1. The said project proposals are appraised by the Project and Banking Desk. The appraisal report is submitted to the Project Clearance Committee (PCC) for their concurrence. 1. The proposals that are found to be in order are recommended for sanction. After sanction, Sanction Letters, called Letters of Intent (LOIs), along with Terms & Conditions, are issued to the SCAs/ RRBs/ Public Sector Banks/ NBFC-MFIs, etc. for acceptance. 1. After acceptance of the terms and conditions of the sanction and fulfilment of Prudential Norms, as applicable, funds are disbursed to the SCAs/ RRBs/Nationalised Bank for onward disbursement to the beneficiaries. 1. The disbursement of funds is made by NSFDC on receipt of demand from the SCAs/ RRBs/ Public Sector Banks/ NBFC MFIs. The loans are to be repaid by the beneficiaries as per the repayment schedule stipulated by the SCAs/CAs. <br>
The Term Loan (TL) Scheme is a financial assistance scheme of the National Scheduled Castes Finance and Development Corporation (NSFDC) that provides loans for viable income-generating activities. <br>
The scheme is implemented by NSFDC through State Channelizing Agencies, Regional Rural Banks, Public Sector Banks, and other channelizing agencies. <br>
The scheme covers projects with a cost of up to ₹50,00,000/-. <br>
Financial assistance of up to 95% of the project cost may be provided, subject to the scheme guidelines. <br>
Yes. The beneficiary is required to contribute 2%, 3%, or 5% of the project cost, depending on the project amount. <br>
Yes. Beneficiaries living below the poverty line may receive a subsidy of ₹10,000/- or 50% of the unit cost, whichever is less. <br>
The interest rate ranges from 6% to 9% per annum, depending on the loan amount sanctioned. <br>
Applications can be submitted through the District Offices of State Channelising Agencies or participating Regional Rural Banks, Public Sector Banks, and other channelising agencies associated with NSFDC. <br>
The application and project proposal are scrutinised and appraised for viability by the concerned agency before being considered for sanction. <br>
After approval and completion of the prescribed formalities, the loan amount is disbursed through the concerned channelising agency. <br>
Applications are accepted only on the official government portal.
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The scheme aims to reduce financial stress for ST students pursuing foreign education by providing up to ₹1,50,000 subsidy on interest for 3 years.
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