ISEC

Interest Subsidy Eligibility Certificate (ISEC) Scheme

The scheme aims to provide concessional working capital loans at 4% interest to khadi institutions through interest subsidy support.

केंद्रीय वस्तु रूप

राज्य / केंद्र शासित प्रदेश: All India

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

योजना किसके लिए: Infra

योजना प्रोफ़ाइल

श्रेणियाँ: शिक्षा और अध्ययन

लक्षित लाभार्थी: Business Entity

टैग: Khadi Institution, Central Government, Khadi & Village Industries Boards, Credit

विवरण

Introduced in 1977, the scheme "Interest Subsidy Eligibility Certificate (ISEC)" by the Ministry of Micro, Small and Medium Enterprises, Government of India, aims to provide concessional credit at 4% interest through subsidy support to khadi institutions for meeting working capital requirements. The scheme "Interest Subsidy Eligibility Certificate (ISEC)" by the Ministry of Micro, Small and Medium Enterprises, Government of India aims to provide concessional credit at 4% interest through subsidy support to khadi institutions for meeting working capital requirements.

लाभ

- Interest Subsidy: Loans available at a concessional interest rate of 4% per annum for working capital. - Subsidy Support: The difference between the actual bank interest rate and 4% is paid by the Central Government through the Khadi and Village Industries Commission (KVIC). - Funding Support: Helps bridge gap between required funds and budgetary allocation. - Sector Coverage: Applicable for khadi and polyvastra sector only

Interest Subsidy: Loans available at a concessional interest rate of 4% per annum for working capital. - Subsidy Support: The difference between the actual bank interest rate and 4% is paid by the Central Government through the Khadi and Village Industries Commission (KVIC). - Funding Support: Helps bridge gap between required funds and budgetary allocation. - Sector Coverage: Applicable for khadi and polyvastra sector only.

पात्रता

The applicant must be a khadi institution.
The applicant must have a valid Khadi Certificate.
The applicant must have a sanctioned khadi programme.
The applicant must be registered with Khadi and Village Industries Commission (KVIC) or State Khadi and Village Industries Boards (KVIBs).

अपवर्जन

आवेदन प्रक्रिया

Offline

Step 1: The applicant applies to the financing bank for working capital.
Step 2: The applicant submits the Interest Subsidy Eligibility Certificate issued by KVIC.
Step 3: The bank sanctions working capital loan based on requirement.
Step 4: The bank raises reimbursement claim for interest subsidy to the nodal branch.
Step 5: The subsidy amount is reimbursed through KVIC.

स्पष्टीकरण

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

What is the ISEC Scheme?: Eligibility criteria may vary, but generally, Indian citizens pursuing professional or technical courses with a family income within specified limits are eligible for the scheme.
How can I apply for the ISEC Scheme?: To apply for the ISEC Scheme, you need to fill out the official application form and submit it along with the required documents to the designated authority responsible for implementing the scheme.
Who is eligible for the ISEC Scheme?: Eligibility criteria may vary, but generally, Indian citizens pursuing professional or technical courses with a family income within specified limits are eligible for the scheme.
What is the benefit of the interest subsidy?: The interest subsidy reduces the financial burden on education loans by providing a subsidy on the interest charged during the moratorium or study period.
Can I apply for the ISEC Scheme after taking an education loan?: Yes, you can apply for the ISEC Scheme even if you have already taken an education loan, provided you meet the eligibility criteria and other requirements.
Is there a specific income limit for eligibility?: Yes, there are specified income limits for eligibility. These limits may vary depending on the scheme's guidelines and implementing authority.
Are there any exclusions from the ISEC Scheme?: Some exclusions may apply, such as non-eligible courses, non-Indian citizens, loans exceeding the specified amount, and individuals already availing of similar financial assistance schemes.
How is the interest subsidy disbursed?: The interest subsidy is typically disbursed directly to the loan account of the eligible student through the designated bank.
Can I track the status of my ISEC Scheme application?: Yes, you can inquire about the application status by contacting the designated authority responsible for the scheme implementation.
Where can I find more information about the ISEC Scheme?: You can refer to the official government portals, and scheme websites, or contact the implementing authority for detailed information regarding the ISEC Scheme.

आधिकारिक लिंक

संदर्भ

आवेदन करें

अभी आवेदन करें

Khadi Institution Central Government Khadi & Village Industries Boards Credit

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:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।