SMA

Swarnima

The Swarnima Scheme provides loan assistance to female beneficiaries from Other Backward Classes (OBC) residing in Maharashtra to support self-employment activities, empowering them to establish a stable livelihood.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: महाराष्ट्र

नोडल विभाग: Social Justice and Special Assistance Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): हाँ

श्रेणियाँ: बैंकिंग, वित्तीय सेवाएँ और बीमा, महिला और बाल

उप-श्रेणियाँ: Banking and money, Loan, Personal finance

लक्षित लाभार्थी: व्यक्तिगत

टैग: Other Backward Class, Women, Employment, Loan, OBC

विवरण

The scheme "Swarnima by the Department of Social Justice & Special Assistance, Government of Maharashtra, is jointly funded by the National Backward Classes Finance & Development Corporation, New Delhi, and the State Corporation. This scheme provides low-interest loans directly deposited into the bank accounts of female beneficiaries from Other Backward Classes (OBC) to support self-employment activities and enhance financial independence.
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लाभ

- Financial assistance of up to ₹5,00,000/- per Self-Help Group (SHG) project, with ₹25,000allocated per beneficiary (up to 20 members per SHG)
Funding shares include 95% from the Central Corporation and 5% from the State Corporation
No beneficiary contribution is required
Low interest rate of 5% per annum
Repayment period of up to 3 years to ease financial planning

Financial assistance of up to ₹5,00,000/- per Self-Help Group (SHG) project, with ₹25,000 allocated per beneficiary (up to 20 members per SHG).
Funding shares include 95% from the Central Corporation and 5% from the State Corporation.
No beneficiary contribution is required.
Low interest rate of 5% per annum.
Repayment period of up to 3 years to ease financial planning.

पात्रता

The applicant should be from the Other Backward Class (OBC) category.
The applicant should be a domicile of Maharashtra.
The age of the applicant should be between 18 to 50 years.
The annual income of the family of the applicant should be -

Rural areas: Less than or equal to ₹98,000.
Urban areas: Less than or equal to ₹1,20,000.

आवेदन प्रक्रिया

Offline

Step 1: The interested applicant should visit (during office hours) the District Office of the Leather Industries Development Corporation of Maharashtra (LIDCOM), and request the hard copy of the prescribed format of the application form from the concerned authority.
Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across, if required), 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, within the prescribed period (if any), to the concerned authority.
Step 4: Request a receipt or acknowledgement from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).
NOTE: Ensure that the application is submitted within the prescribed period, if any.

स्पष्टीकरण

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

What is the main purpose of the Swarnima Scheme?: The scheme provides financial assistance to OBC female beneficiaries to start self-employment activities.
Who is eligible to apply for the Swarnima Scheme?: Female beneficiaries belonging to the OBC category, domiciled in Maharashtra, aged between 18-50 years, and meeting the income criteria are eligible.
What is the maximum loan amount available under the Swarnima Scheme?: Beneficiaries can receive up to ₹5 lakh for self-employment projects.
What is the rate of interest on loans provided under this scheme?: The interest rate is 5% per annum.
How is the loan amount disbursed to the beneficiaries?: The loan amount is deposited directly into the beneficiary's bank account.
What is the repayment period for the loan?: The loan repayment period is 3 years.
Are there any income limits for eligibility under this scheme?: Yes, the family's annual income must be below ₹98,000 for rural areas and ₹1,20,000 for urban areas.
What documents are needed to apply?: Essential documents include proof of identity, proof of domicile, caste certificate, and income certificate.
Is the scheme available for all self-employment activities?: Yes, but the type of self-employment must be approved by the department under the scheme guidelines.

आधिकारिक लिंक

संदर्भ

Guidelines

आवेदन करें

अभी आवेदन करें

Other Backward Class Women Employment Loan OBC

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।