NSSW

New Swarnima Scheme For Women

A term loan scheme by the Ministry of Social Justice and Empowerment for women entrepreneurs from backward classes to obtain a loan of up to ₹ 2,00,000/- @ 5% per annum, thereby providing them social & financial security.

केंद्रीय नकद

राज्य / केंद्र शासित प्रदेश: All India

मंत्रालय / नोडल: Ministry Of Social Justice and Empowerment

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: बैंकिंग, वित्तीय सेवाएँ और बीमा, व्यवसाय और उद्यमिता, सामाजिक कल्याण और सशक्तिकरण, महिला और बाल

उप-श्रेणियाँ: Loan, Setting up / start-up / entrepreneurship, Micro finance, वित्तीय सहायता, Citizen empowerment

लक्षित लाभार्थी: व्यक्तिगत

टैग: Entrepreneur, Women, Business, Empowerment, Backward Class, Financial Assistance

विवरण

The scheme "New Swarnima Scheme For Women" has been implemented by the Ministry of Social Justice and Empowerment, Govt of India. It aims to provide women entrepreneurs from backward classes to obtain a loan of up to ₹2,00,000/- @ 5% per annum, thereby providing them social & financial security. The scheme is introduced by the National Backwards Classes Finance and Development Corporation (NBCFDC) and implemented by State Channelising Agencies (SCAs), which act as the nodal agency.

लाभ

  • 1. A subsidy amount of ₹2 00 000/- @ 5% per annum for self-employment. (The remaining amount has to be self-owned by the beneficiary.) 1. The beneficiary woman is not required to invest any amount of her own on the projects upto cost of ₹2 00 000/-
  1. A subsidy amount of ₹ 2,00,000/- @ 5% per annum, for self-employment. (The remaining amount has to be self-owned by the beneficiary.)
  2. The beneficiary woman is not required to invest any amount of her own on the projects upto cost of ₹ 2,00,000/-.

पात्रता

  1. The applicant must be a Female.
  2. The applicant's age must be between 18 and 55 years.
  3. The applicant must be an Entrepreneur
  4. The Total Annual Family Income of the Applicant must be Less than ₹ 3 Lakh per Annum.

अपवर्जन


आवेदन प्रक्रिया

Offline

Step 1: The eligible applicant needs to visit the nearest SCA office and apply on the prescribed form for the Swarnima Scheme for Women. You can find your nearest SCA office at this link - https://nsfdc.nic.in/channel-patrners/scas
Step 2: Enter the necessary details in the application form and mention the needs and choice of vocation and training requirements, if any.
Step 3: Submit your application form and the required documents to the same SCA office. After reviewing the application, the loan will be sanctioned by SCA.

स्पष्टीकरण

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

What is the maximum size of the loan under the Swarnima Scheme?
Under this scheme, the eligible woman entrepreneur can obtain a term loan of max. ₹1,00,000/- @ 5% per annum.
What is the minimum amount that I am required to invest on my own if the project cost is under Rs.2 LPA?
The beneficiary women is not required to invest any amount of her own on the projects upto cost of Rs.2,00,000/-.
How much will be the interest rate for the loan?
The rate of interest would be as follows - NBCFDC to SCA: 2% per annum SCA to Beneficiary: 5% per annum
By when am I expected to repay the loan?
Loan is to be repaid in quarterly instalments with maximum 8 years (including the moratorium period of six months on the recovery of principal).
I seek to know more about the Pattern of Financing?
The loan will be provided up to 95% and balance 5% provided by the State Channelizing Agencies (SCAs) or Beneficiary contribution. The utilization period is 4 months from the date of disbursement of the loan.
Can women entrepreneurs from GENERAL category also apply to this scheme?
Yes, the scheme is open to women entrepreneurs from all the categories.
I am a 21 years old female entrepreneur. I wish to know if there is an age-criteria to be eligible to apply to this scheme?
Yes, the applicant should be atleast 18 years in age in order to be eligible to apply to this scheme. You are therefore eligible to apply.
Can a male entrepreneur from OBC category also apply to this scheme?
No, as per the latest guidelines, this scheme is not meant for male entrepreneurs.
Should the project / venture need to be from a specific sector in order to be eligible for the Swarnima scheme?
NBCFDC supports the economically weaker section in developing self-employment ventures only under the following sectors: Agriculture and Allied Activities. Small Business. Artisan and Traditional Occupation. Technical and Professional Trades/Courses. Transport and Service Sector.
Is there a helpline number where I can get answers for my queries reg. the application process?
Yes, the Toll Free Number is 18001023399.
What are SCAs?
NBCFDC grants financial assistance through State Channelising Agencies (SCAs). Also, they provide funding through SCAs/ Self Help Groups (SHGs). The SCAs or Banks will release up to 50% of total funding to women with annual income up to Rs.1.50 Lakh.
How do I know if a field in the application form is mandatory?
The mandatory fields have a red asterisk (*) mark at the end.

परिभाषाएँ

  • backward classes

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