CLS

Composite Loan Scheme

"Composite Loan Scheme" aims to provide need-based financial support to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and PwDs to help them pursue various income-generating activities. The scheme encourages self-employment and entrepreneurship.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: दिल्ली

नोडल विभाग: Social Welfare Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: व्यवसाय और उद्यमिता

उप-श्रेणियाँ: Setting up / start-up / entrepreneurship, Micro finance, Loan

लक्षित लाभार्थी: व्यक्तिगत

टैग: Loan, Employment, Entrepreneurship, Scheduled Caste, Scheduled Tribe, Minority, Disability

विवरण

The "Composite Loan Scheme" is managed by the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation, Government of NCT of Delhi. The scheme aims to provide need-based financial support to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and Persons with Disabilities to help them pursue various income-generating activities. The scheme encourages self-employment and entrepreneurship, promoting economic independence and social inclusion for the targeted groups.

लाभ

  • Maximum Permissible Loan Amount
  • For the SC category, the need-based loan is up to ₹3,00,000/-
  • For OBC, Minority and PwD categories, the need-based loan amount is up to ₹1,00,000/-

Maximum Permissible Loan Amount

  • For the SC category, the need-based loan is up to ₹3,00,000/-.
  • For OBC, Minority and PwD categories, the need-based loan amount is up to ₹1,00,000/-.

पात्रता

  • The applicant should be from one of the following target groups - Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority, Persons with Disability.
  • The applicant should be a resident of Delhi.
  • The applicant's age should be between 18 to 50 years.
  • The annual family income of the applicant (from all sources) should not exceed ₹1,20,000/-.
  • The applicant should be willing to pursue one of the income-generating activities given in the scheme guidelines.- The applicant must have a proper workplace, for starting the proposed activity, either owned or rented.
  • The applicant should not have been declared a defaulter under any of the schemes being implemented by DSFDC.

आवेदन प्रक्रिया

Offline

Step 1: The interested applicant should take print of the prescribed format of the application form.
Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph, and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents, to the Branch In-Charge / Section In-Charge of the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation, Government of NCT of Delhi.
Step 4: Request a receipt or acknowledgement.

स्पष्टीकरण

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

What are the eligibility criteria for Persons with Disabilities applying under the scheme?
Applicants must have a disability of at least 40%, be Delhi residents, and have an annual family income below ₹1,20,000/-.
Is there a residency requirement for applicants under the scheme?
Yes, applicants must be residents of Delhi to be eligible for the scheme.
What is the age range required for applicants to qualify for the scheme?
Applicants must be between 18 and 50 years old to be eligible for the scheme.
What is the maximum annual family income allowed for applicants under the scheme?
The annual family income of the applicant must not exceed ₹1,20,000/- from all sources.
What type of activities must applicants be willing to pursue to qualify for the scheme?
Applicants must be willing to pursue income-generating activities listed in the scheme guidelines.
Is there a requirement for applicants to have a workplace for their proposed activity?
Yes, applicants must have a proper workplace, either owned or rented, to start their proposed activity.
Can applicants who have defaulted on other schemes apply for this scheme?
No, applicants must not have been declared defaulters under any schemes implemented by DSFDC.
What is the maximum loan amount available for applicants from the Scheduled Caste category?
Applicants from the Scheduled Caste category can avail of a need-based loan of up to ₹3,00,000/-.
What is the maximum loan amount for applicants from OBC, Minority, and PwD categories?
Applicants from OBC, Minority, and PwD categories can avail of a need-based loan of up to ₹1,00,000/-.
What documents are accepted as proof of age for applicants?
Accepted documents include a birth certificate, school leaving certificate, or an affidavit as proof of age.
What additional document is needed if the workplace is owned by a relative?
Applicants must provide an affidavit of a No Objection Certificate if the workplace is owned by a relative.
Are guarantors required for loans above ₹2,00,000/-?
Yes, for loans above ₹2,00,000/-, applicants must provide five blank post-dated cheques from a guarantor.

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