Credit Based Schemes For SC - Term Loan (TL)

DBT (direct benefit transfer): No

Scheme open date: 2014-07-18

Categories: Business & Entrepreneurship, Banking,Financial Services and Insurance, Social welfare & Empowerment

Sub-categories: Setting up / start-up / entrepreneurship, Citizen empowerment, Loan

Target beneficiaries: Individual, Registered Societies, Business Entity

Tags: Entrepreneur, Scheduled Caste, Socities, Companies

• [ [ { "children": [ { "text": "Term loan up to 95% of the cost of project " }
• { "text": " Upto Rs.5.00 lakh "
• "bold": true }
• { "text": "at Interest rates of" }
• { "text": " 6%"
• "bold": true } ] }
• { "children": [ { "text": "Term loan up to 95% of the cost of project " }
• { "text": "Above Rs. 5.00 lakh & upto Rs.10.00 lakh "
• "bold": true }
• { "text": "at Interest rates of " }
• { "text": "8%"
• "bold": true } ] }

What is moratorium period?

A moratorium period refers to a particular period of a loan tenure during which the borrower does not have repay anything. It can be described as a waiting period before the borrower will have to start paying the equated monthly installments (EMIs) for his or her loan.

Does the scheme provide loans to all Scheduled Castes persons?

No, NSFDC provides loans only to economically poor sections of Scheduled Castes whose annual family income is up to Rs. 3.00 lakh both in rural & urban areas.

How does the scheme provide assistance?

The applicants should contact the Channelizing Agencies if they wish to avail the scheme.

With what type of Projects can I avail this schemes?

These are indicative list of projects: Agricultural & Allied Sector Agricultural Land Purchase Irrigation Borewells/Minor Irrigation Horticulture Sericulture Poultry Dairy Piggery Bullock/Camel Cart Floriculture Hatcheries Duckery Goatery Sheep Farming Fisheries Ornamental Fish Rearing Tractors Power Tillers etc. Cultivation & Processing of Medicinal Plants Honey Bee Cultivation Agricultural Implements Small Industries Sector Bricks Making Readymade Garments Manufacturing Handlooms/Powerlooms Handicrafts Making Footwear Manufacturing Silver Ornaments making Bakery Bamboo Furniture Making Battery Making Bicycle Repairing Shops Bicycle Seat Cover Making Bio-gas Plant Candles Manufacturing Car Upholstery & Seat Making Cement Solid Blocks Coir Industry Carpet Manufacturing Copperware/Utensils Manufacturing Exercise Books & Registers Making Ginger & Turmeric Processing Granite Tiles Handmade Papers Ornaments Polishing Units Stone Crushing Supari Manufacturing Printing Press Furniture Making Flour Mill Soft Toys making Embroidery/Knitting Woollen Garments/Shawls making etc. Hosiery Units Jute Fabrics/Bags Leather Garments Leather Processing Leather&Rexine Articles Lime Kilns Plastic Bags Manufacturing Potteries Pouch Making Powerlooms Prawn Culture Rubber Industry Shoe/Chappal Manufacturing Umbrella Making Fiber Glass Manufacturing Mineral Water Bottling Plant Oil mills Saw Mills Soft/Stuffed Toys Making Service & Transport Sector Departmental Stores Stationery Shops Photography/Videography Chemist Shops Bangle/Cosmetic Shop Garments Shop Commercial Centre (STD/Photocopier/Scanner) Internet Cafe Cable TV Tent House Beautician Band Party Fish/Meat Shops Petty Shops Bicycle Repairing Shops Blood Bank Book Binding/Book Shops Cards Shop Clinical Labs Cloth Merchant Computer Centres Computer Hardware & Servicing Dental Clinics Desk Top Printing Driving School Eye Clinics Food Processing Gas Agency Gem Stone Cutting & Polishing Shopping Complex Shuttering Spice Grinding Spray Painting Silk Weaving Spray Painting Unit Steel Fabrication Sweet Shop Tailoring Water Sports Equipments Wooden/Steel Furniture Dhabas/Mini Hotels Tourist Lodge Automobile Repairs Electrical Items Shop Hardware Shop Electrical Winding Welding & Refrigeration Vegetable vending Watch Repair/Sales Shop Digital Mixing Lab Seeds/Fertilizers/Pesticides Shops Auto rickshaws/Auto Load Carrier Light Commercial Vehicles/Mini Buses Jeeps/Car Taxies Earth Movers (JCB) etc. Laundry/Dry-cleaning Shops Machine Shops Marble Polishing Milk Chilling Centres/Booths Mobile Crane Nursing Home/Hospitals Nursery School Passenger/Fishing Boats Public Address System Pump set/Minor Irrigation Ropeway Sales & Servicing of Electric Items Saw Mills Supplying Unit Seeds & Pesticides Shops Tannery Tent House/Decorators Transport Vehicles (Autos , Taxies, LCVs, Buses,Trucks) Travel Agency T.V./Audio-Video/Refrigerator/A.C. Repair Typing School Tyre Retreading Tyre Servicing &Vulcanising Xerox/Fax/Typing/Lamination Centre

• https://www.myscheme.gov.in/schemes/cbssc-tl
• https://socialjustice.gov.in/writereaddata/UploadFile/About_NSFDC_08_2021.pdf
• https://nsfdc.nic.in/en/term-loan

• Scheme Guidelines
• Additional Guidelines