Schemes for Backward Classes

List of Backward Classes Communities

As declared vide SRO No. 272 dated 03.07.1982 read with SRO No. 316 dated 18.07.1985, SRO No.208 dated 10.06.1999 , SRO No.124 dated 26-04-2000, and as amended from time to time and incorporated in Central List of OBC, Govt. of India, in respect of J&K State :

Bahach Hanjie &Shikara Wallas(Excluding House-boat owners)
Bangi, (Sweepers) Bhangi, ( Excluding those in Scheduled Castes) Khakrob
Barbers(Rural Only).
Bhand
Dambali Faqir
Doom , ( Excluding those in Scheduled Castes).
Fishermen including Gada Hanz
Grati(Rural only)
Jheewar
Kulfaqir
Kumhar, Kumahar(village Potters)
Madari, Bazigar
Mirasi
Sansi
Shaksaz
Shoe-repairers(working without the aid of machines)
ShupriWattal, ( Excludng those in Scheduled Castes)
Sikligar
Teeli, Teli (Rural only)
Village Washermen
Lohar/Tarkhan
Labana
Sheer-Gojries

SCHEMES

(A).DIRECT FINANCING SCHEME

Schemes for Backward Classes in collaboration with "National Backward Classes Finance & Development Corporation (NBCFDC), Ministry of Social Justice & Empowerment (MSJ&E), Govt. of India, New Delhi

The schemes is for socio-economic upliftment of eligible Backward Classes category persons to establish income generating units

ELIGIBILITY CRITERIA PRESCRIBED BY NBCFDC

Applicant should belong to Backward Classes category.
Applicant should be permanent resident of the J&K State.
The Annual family income of the applicant should below below Rs.3,00,000/= p.a. irrespective of Rural/ Urban areas, ( prescribed by NBCFDC/Govt. of India).
Applicant should be unemployed
Applicant should having necessary skill/ experience in the activity/ trade applied for.
The applicant who intends to avail loan for purchase of vehicle should have valid driving license, for the type of vehicle, applied for.
Applicant should not be a defaulter of any bank/ financial institution.

(i). Financing Programmes under Direct Financing Scheme

S.No	Type of Loan	Max. cost of Project	Apex Corp. Share	State Corp Share	Benef. Share	Rate of Interest	Repayment period in monthly installments
01	Term Loan	15.00 Lacs	85%	10%	5%	uptoRs.5.00 Lac= 6% above Rs.5.00 Lacs=8%	54
02	New Swarnima Scheme (for women)	2.00 Lac	95%	5%	Nil	5%	54
03	Micro Credit Finance (MCF)	1.25 Lac (SGH-Rs.15.00)	90%	5%	5%	5%	36
04	Mahilla Samridhi Yojana (MSY)	1.25 Lac (SGH-Rs.15.00)	95%	5%	Nil	4%	36
05	Small Loan to individual	1.25	85%	10%	5%	6%	36

(ii ). Educational loan Scheme for Backward Classes students

The corporation in collaboration with NBCFDC is providing Educational Loan to the students of the target group for pursuing professional /Technical courses in India and abroad, at the following funding pattern:-

Type of loan	Max. Quantum of Loan		Rate of interest	Repayment
	In India	In Abroad
Educational Loan	10.00 Lacs	20.00 Lacs	4% for male & 3.50 % for female	Repayment shall be commenced after six months of completion of course or getting employment whichever is earlier)

(B) Scheme with Bank Assistance (BANK TIE-UP SCHEME):

This scheme is available for the Self Help Group (SHGs) Backward Classes category who are, living Below the Poverty Line(BPL), to establish the income generating Units with the unit cost of Rs.5.00 Lakh. The corporation sponsors loan proposals of eligible persons to various banks in accordance with the "SERVICE AREA APPROACH" for financing. The corporation provides applicable subsidy and rest of the amount of unit cost is the Bank Loan.

ELIGIBILITY CRITERIA FOR BANK TIE-UP SCHEME:

Applicant should be permanent Resident of J&K State
Applicant should be a member of Backward Classes category & living below the Poverty Line.
Applicant should not be a defaulter of any financial institution.
One should having necessary skill/ experience/Knowledge in the activity/ trade applied for.

For more details websites of NBCFDC, www.nbcfdc.gov.in and the Ministry of Social Justice & Empowerment, Govt. of India; www.socialjustice.gov.in , can be viewed.

Where to apply

For availing the aforementioned schemes the desirous persons can apply to the District Manager of the corporation in concerned district

For any query/ information contact Toll Free No.1800-180-7163 .