BNPFRS

Bank Loan Processing Fee Reimbursement Scheme

The Bank Loan Processing Fee Reimbursement Scheme comes under the purview of the Ministry of Micro, Small and Medium Enterprises (MSME) of the Government of India.

केंद्रीय नकद

राज्य / केंद्र शासित प्रदेश: All India

मंत्रालय / नोडल: Ministry Of Micro, Small and Medium Enterprises

योजना किसके लिए: Infra

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: व्यवसाय और उद्यमिता

लक्षित लाभार्थी: Business Entity

टैग: Financial Assistance, Entrepreneurship, MSME, Reimbursement

विवरण

The Ministry of Micro, Small & Medium Enterprises (MSME) has established the Bank Loan Processing Fee Reimbursement Scheme. This scheme functions as a sub-component of the broader National Scheduled Caste and Scheduled Tribe Hub (NSSH) program.

The Bank Loan Processing Fee Reimbursement Scheme provides crucial financial assistance by reimbursing a substantial portion of the processing fees charged by financial institutions (FIs) when SC/ST MSEs secure business loans. This includes loans supported by both fund-based and non-fund-based limits. By alleviating the upfront financial burden of loan processing fees, the scheme aims to:

  • Enhance access to capital for SC/ST MSEs: By reducing the initial cost of securing a loan, the scheme encourages SC/ST entrepreneurs to pursue their business aspirations.- Promote inclusive economic development: This targeted initiative fosters the growth and success of SC/ST-owned businesses, contributing to a more equitable and diversified economy.- Strengthen entrepreneurial ecosystems: By simplifying the loan application process for SC/ST MSEs, the scheme fosters a more supportive environment for their entrepreneurial endeavors

लाभ

  • - Reimbursement of Bank Loan Processing Fee is limited to 80% of the fee or ₹1,00,000/- (excluding GST and other applicable taxes)
  • Reimbursement of Bank Loan Processing Fee is limited to 80% of the fee or ₹ 1,00,000/- (excluding GST and other applicable taxes).

पात्रता

  • Applicant should belong to the Scheduled Caste / Scheduled Tribe category.
  • He/she should represent/own any MSEs unit.
  • MSEs availing loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs), and State Finance Corporations will be considered under the scheme

आवेदन प्रक्रिया

Online

  1. Applicant need to visit the official website https://www.scsthub.in.1. For registration click on sign-up and provide the following details
  • Full Name
  • Valid Email ID
  • Mobile Number
  • Password and confirm password
  1. For login click on login.1. After login complete the required information.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

What is Bank loan processing fee Reumbursement Scheme ?
The Bank Loan Processing Fee Reimbursement Scheme comes under the purview of the Ministry of Micro, Small and Medium Enterprises (MSME) of the Government of India.
What are the scheme benefits ?
The assistance under this scheme for reimbursement of Bank Loan Processing Fee is limited to 80% of the fee or Rs. 1,00,000 (excluding GST and other applicable taxes) whichever is less. The benefits under the scheme can be availed only after disbursement of business loans in a financial year.
Who can get the scheme benefits ?
1. Applicant should belong to the Scheduled Caste / Scheduled Tribe category. 2. He/she should represent/own any MSEs unit. 3. MSEs availing loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs), and State Finance Corporations will be considered under the scheme.
Is there a limitation on availing the benefits of this scheme?
No. The benefits can be availed multiple times in a financial year by SC/ST MSEs, but the financial assistance shall be restricted to the ceiling which is Rs. 1,00,000 (excluding GST and other applicable taxes)
What kind of loans are eligible for benefits under the scheme?
SC/ST MSEs who avail loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs) and State Finance Corporations may be considered under the Scheme where loan processing fee is charged by such banks/NBFCs/State Finance Corporations.
Is there a limitation on availing the benefits of this scheme?
No. The benefits can be availed multiple times in a financial year by SC/ST MSEs, but the financial assistance shall be restricted to the ceiling which is Rs. 1,00,000 (excluding GST and other applicable taxes).
What kind of loans are eligible for benefits under the scheme?
SC/ST MSEs who avail loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs) and State Finance Corporations may be considered under the Scheme where loan processing fee is charged by such banks/NBFCs/State Finance Corporations.
How should I apply to avail benefit under the scheme?
You may apply online on National SC-ST website www.scsthub.in or visit the nearest CSC-VLEs to apply online.
Whether I can club this scheme benefit with another scheme?
Clubbing this scheme with any other scheme is not permitted. Any SC-ST MSE availing reimbursement under this scheme can not avail reimbursement of bank loan processing fees, from any other scheme of government or private agencies.

संदर्भ

आवेदन करें

अभी आवेदन करें

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

  • Aadhaar Card
  • Income Certificate
  • Caste Certificate (if applicable)
  • Residence Proof
  • Bank Account Details
  • Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status