(A) Credit Based Schemes                                                   

  SCHEMES  IMPLEMENTED THROUGH SCAs/PSBs/RRBs

Scheme

Unit Cost

Maximum Loan limit up to 90% of Unit Cost *

Interest  Per Annum

Repayment    Period

Eligibility Criteria Annual family income

SCA/CA

Beneficiary

Term Loan (TL)

Up to Rs.50.00 lakh

Rs.47.50 lakh

3-6% #

6-9% #

Within 10 years

 

 

 

 

 

up to Rs.3.00 lakhs for both rural and urban areas

 

 

 

 

 

Micro-Credit Finance (MCF)

Up to Rs.1.40 lakh

Rs.1.25 lakh

2%

5%

Within 3.5 years

Mahila Samriddhi Yojana (MSY)

Up to Rs.1.40 lakh

Rs.1.25 lakh

1%

4%

Within 3.5 years

Mahila  Adhikarita Yojana (MAY)

Up to Rs.5.00 lakh

Rs.4.50  lakh

2.5%

5.50%

Within 10 years
 

Laghu Vyavasay Yojana (LVY)

Up to Rs.5.00 lakh

Rs.4.50 lakh

3%

6%

Within 6 years

 

Green Business Scheme (GBS)

Up to Rs.7.50 lakh

Above  Rs.7.50 lakh & up to  Rs.15.00 lakh

Above Rs.15.00 lakh & up to Rs.30.00 lakh

Rs.6.75 lakh

Rs.13.50 lakh

 

Rs.27.00 lakh

2%

3%

 

4%

4%

6%

 

7%

 

Within 10 years

 

Stand-up India  (SI)

Above Rs.10.00 lakh & up to  Rs.30.00 lakh

Rs.27.00 lakh

6-7% #

9-10% #

As per the Stand-up India Scheme Norms

 

 

up to Rs.3.00 lakhs for both rural and urban areas

 

Swachhta Udyami Yojana (SUY)

Up to Rs. 15.00 lakh

Rs.13.50 lakh

(Under Project-Finance)

 

Rs.15.00 lakh

(Under Refinance)

2%

(Men)

 

1%

(Women)

4%

(Men)

 

3%

(Women)

Within 10 years.

Educational  Loan Scheme (ELS)

Up to Rs.20.00 lakh or 90%, whichever is less

(Studies in India)

 

Up to Rs.30.00 lakh or 90%, whichever is less

(Studies abroad)

1.5%

(Men)

 

1%

(Women)

4%

(Men)

 

3.5%

(Women)
  • Within 10 years – up to  Rs.7.50 lakh
  • Within 15 years – above Rs.7.50 lakh

Vocational Education & Training  Loan Scheme (VETLS)

Up to Rs.4.00 lakh

 (100%)

1.5%

(Men)

1%

(Women)

4%

(Men)

3.5%

(Women)

Within 7 years

 

  SCHEME IMPLEMENTED THROUGH NBFC-MFIs

Scheme

Unit Cost

Maximum Loan limit upto 90% of Unit Cost

Interest  Per Annum*

Repayment    Period

Eligibility Criteria Annual family income

NBFC-MFI

Beneficiary

 

Aajeevika Microfinance Yojana (AMY)

Up to Rs.1.40 lakh

Rs.1.25 lakh

3%

(Men)

 

2%

(Women)

11%

(Men)

 

10%

(Women)

Within 3.5 Years

up to Rs.3.00 lakhs for both rural and urban areas

 

SCHEME IMPLEMENTED THROUGH COOPERATIVE SOCIETIES/ BANKS

Scheme

Unit Cost

Maximum Loan limit upto 90% of Unit Cost

Interest  Per Annum

Repayment    Period

Eligibility Criteria Annual family income

Co-operative Societies/Banks

Beneficiary

Udyam  Nidhi Yojana (UNY)

Rs.5.00 lakh

Rs.4.50 lakh

4%

12%

Within 6 Years

up to Rs.3.00 lakhs for both rural and urban areas

 

(B)     Non-Credit Based Scheme (Skill Development Training Programme)

  • NSFDC facilitates Short term Skill Development Training Programme in job oriented areas such as Apparel Technology, Computer Technology, Mobile Repair and Automobile Repair etc. organized for unemployed youths of the target group through Government/Semi-Government/Autonomous Training Institutions / Universities / Deemed Universities/Sector Skill Councils/Sector Skill Council affiliated Training Providers.
  • All Skill Development Training Programmes are National Skill Qualification Framework (NSQF) compliant and in line with the Common Norms for Skill Training of Ministry of Skill Development and Entrepreneurship.
  • 100% Course fee paid in terms of Common Cost Norms stipulated by Ministry of Skill Development and Entrepreneurship (MSDE) and Stipend @ Rs.1,500/- per month per trainee provided as Grants for non-residential training programmes.

Pradhan Mantri -Dakshta Aur Kushalta Sampann Hitgrahi  (PM-DAKSH) Yojana  :

PM-DAKSH is a National Action Plan formulated by the Ministry of Social Justice and Empowerment, for Skilling Marginalized persons covering SCs, OBC, EBC, DNT, Sanitation workers including Waste Pickers, Manual Scavengers, Transgenders, Victims of Substance Abuse and other similar categories.

Under the PM-DAKSH, four categories of Skilling Programmes will be conducted for the Target Groups:

 

  • Up-skilling/Recognition of Prior Learning (RPL)

Technological upgradation Training for rural artisans, domestic workers, sanitation workers and other literate youth on the vocation of practice

  • Short Term Courses (focus on self-employment)

Focus on self-employment opportunities such as tailoring, food processing, entrepreneurs, beautician etc..

  • Entrepreneurial Development Programmes (EDP)

SC and OBC youth including rural artisans with entrepreneurial bent of mind

  • Long Term Courses:

Long Term Training in sectors having good demand in job market; with healthy compensation.

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Managed by: NSFDC Admin (rakhi.morwal@gov.in)
on 07 December, 2022