Schemes for Scheduled Tribes

LIST OF SCHEDULED CASTES COMMUNITIES

As declared vide constitution (J&K) Scheduled Tribes order1989 (as amended vide order no. 3 of 1991 and order no. 36 of 1991):

Balti,
Beda,
Botboto ,
BrokpaDrokpa, Dara, Shin,
Changpa,
Garra ,
Mon,
Puripa,
Gujjar ,
Bakarwal,
Gaddi,
Sippi

SCHEMES

(A). DIRECT FINANCING SCHEME

Scheme for Scheduled Tribes persons in collaboration with "National Scheduled Tribes Finance & Development Corporation(NSTFDC), Ministry of Tribal Affairs (MTA), Govt. of India, New Delhi" .

The schemes for socio-economic upliftment of eligible Scheduled Tribes category persons, to establish income generating units.

ELIGIBILITY CRITERIA PRESCRIBED BY "NSTFDC"

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

(i). FinancingProgrammes 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	50.00 Lacs	85%	10%	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	AdhiVasi Mahilla Sashaktikaran Yojana (AMSY)	2.00 Lacs	90%	5%	5%	4%	54
03	Micro Credit ( through Self Help Groups)	Rs.0.50 Lac to individual benef. & Rs.5.00 Lac per SHG	90%	5%	5%	6%	Four years

(ii). Educational loan Scheme for Scheduled Tribes students

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

Type of Loan	Max. Loan Amt.	Rate of Interest	Repayment period
Educational Loan	10.00 Lacs (including beneficiary Share) for study in India only	6%	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 Scheduled Tribes category persons who are, living Below the Poverty Line(BPL), to establish the income generating units with 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 component of subsidy (to be provided by the Tribal Affairs Department) and rest of the amount of unit cost is to be the Bank Loan.

ELIGIBILITY CRITERIA FOR BANK TIE-UP SCHEME:

Applicant should be permanent Resident of J&K U.T.
Applicant should be a member of Scheduled Tribes category & living below the Poverty Line (BPL)
Applicant should not be a defaulter of any financial institution.
Applicant should not have already availed the benefit of subsidy.
Applicant should have the necessary skill/ experience/knowledge in the activity/ trade applied for.

For more details websites of NSTFDC, www.nstfdc.tribal.gov.in and the Ministry of Social Justice & Empowerment, Govt. of India; www. tribal.nic.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 .