LIST OF SCHEDULED CASTES COMMUNITIES
As declared vide constitution (J&K) scheduled castes order, 1956:-
SCHEMES
(A). DIRECT FINANCING SCHEME
In collaboration with National Scheduled Castes Finance & Dev. Corporation (NSFDC), Ministry of Social Justice & Empowerment (MSJ&E), Govt. of India, New Delhi .
The scheme is available for socio-economic upliftment of eligible Scheduled castes category persons to establish income generating units.
ELIGIBILITY CRITERIA ORESCRIBED BY NSFDC
(i). Financing Programmes under Direct Financing Scheme
(Amt. in Lakhs)
| S.No | Type of Loan | Max. unit cost upto |
Apex Corp. Share |
State Corp Share |
Benef. Share |
Rate of Interest |
Repayment period in monthly installments |
| 01 | Term Loan | Rs.50.00 |
90% |
5% |
5% |
UptoRs.5.00 Lac= 6% above Rs.5.00 Lacs= 8-10% |
54 (upto Rs.5.00 Lacs) 66-72 (above Rs.5.00 Lacs) |
| 02 | Laghu Vyavsay Yojana (LVY) | Rs. 5.00 |
90% |
5% |
5% |
6% |
54 |
| 05 | MahillaSamridhiYojana (MSY) | Rs. 1.40 |
90% |
5% |
5% |
4% |
36 |
| 06 | Micro Credit Finance (MCF) | Rs.1.40 |
90% |
5% |
5% |
5% |
36 |
| 07 | Green Business Scheme | Rs.30.00 |
90% |
5% |
5% |
4%-7% |
54 (upto Rs.5.00 Lacs) 66-72 (above Rs.5.00 Lacs) |
(ii ). Educational loan Scheme for Scheduled Castes students
This corporation in collaboration with NSFDC, New Delhi is providing Educational Loan to the students of 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 from beneficiary | Repayment | |
In India |
In Abroad |
|||
| Educational Loan Scheme (ELS) | 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. |
(iii). Vocational Education & Training loan Scheme (VETLS) for Scheduled Castes students
Vocational Education & Training loan Scheme (VETLS) in collaboration with NSFDC, New Delhi for short Training Courses is also available for Scheduled Castes category persons, at the following funding pattern:-
(Amt. in Lakhs)
| Type of Loan | Max. Loan |
Rate of interest from beneficiary | Repayment |
| Vocational Education & Training loan Scheme (VETLS) | Rs.4.00 |
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 Self Help Groups(SHGs) of Scheduled Castes category who are, living Below the Poverty Line(BPL), to establish the income generating unit with the unit cost upto 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 component of subsidy under Special Central Assistance (SCA) to Scheduled Caste Sub- Plan(SCSP) and rest of the amount of unit cost is to be the Bank Loan.
ELIGIBILITY CRITERIA FOR BANK TIE-UP SCHEME:
For more details websites of NSFDC, www.nsfdc.nic.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 .