Schemes Dashboard

(A) Credit Based Schemes                                                

Scheme	Project Cost	Maximum Loan limit up to 90% of Project Cost	Interest Rate p.a. for			Repayment Period		Moratorium Period
			CAs	Beneficiary
SCHEMES IMPLEMENTED THROUGH SCAs / PSBs / RRBs
Mahila Samriddhi Yojana (MSY)	Up to Rs.1.40 lakh	Rs.1.25 lakh	2%	6%		Within 3 years		3 months
Micro-Credit Finance (MCF)	Up to Rs.1.40 lakh	Rs.1.25 lakh	2.5%	6.5%		Within 3 years		3 months
Suvidha Loan	Up to Rs.10 lakh	Rs.9 lakh	4%	8%		Within 5 years		6 months except for plantation and construction activities for which it will be 12 months
Utkarsh Loan	Above Rs.10 lakh and upto Rs. 50 Lakh	Rs.45 lakh	5%	9%		Within 7 years
EDUCATION LOAN
Educational  Loan Scheme (ELS)	For studies in India, upto Rs.30 lakh or 90% of course fee, whichever is less		2% (Men) 1.5% (Women)	6%  (Men) 5.5% (Women)		Within 10 years for loan upto Rs.10 lakh, Within 12 years for loan above Rs.10 lakh		6 months after course completion or getting employment, whichever is earlier
	For studies abroad, upto Rs.40 lakh, or 90% of course fee, whichever is less		3% (Men) 2.5% (Women)	7%  (Men) 6.5% (Women)
SCHEME IMPLEMENTED THROUGH NBFC-MFIs
Aajeevika Microfinance Yojana (AMY)	Up to Rs.1.40 lakh	Rs.1.25 lakh	5%		15%		Within 3 Years		3 months
SCHEME IMPLEMENTED THROUGH CO-OPERATIVE SOCIETIES / CO-OPERATIVE BANKS
Udyam  Nidhi Yojana (UNY)	Upto Rs.5.00 lakh	Rs.4.50 lakh	5%		13%		Within 5 Years		3 Months

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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

• The NSFDC has been sponsoring employment oriented NSQF compliant Skill Development Training Programmes for the persons belonging to Scheduled Castes.In case of SDTPs, there is no income criterion for the aspirants.
• The Ministry of Social Justice and Empowerment, Government of India, has launched the Pradhan Mantri – Dakshta Aur Kushalta Sampann Hitgrahi (PM-DAKSH) Yojana, a Central Sector Scheme, from the financial year 2020-21, for providing for trainings to marginalized persons covering, inter-alia, the Scheduled Castes persons between the age of 18 to 45 years.
• The main objective of PM-DAKSH Yojana is to develop the skills of target groups and make them employable either in self-employment or wage-employment. Besides, the rural artisans, belonging to the target group, who have become marginalized owing to coming of better technologies in the market, would also be trained so as to adopt newer process and increase their incomes for better living.
• NSFDC is one of the implementing agencies of PM-DAKSH Yojana and accordingly, NSFDC has been sponsoring the NSQF compliant Skill Development training Programmes for the persons belonging to Scheduled Castes. The Skill Development Training Programmes are being implemented through the Training Institutes selected by MoSJ&E, on year to year basis.
• There are four types of Skill Development Training Programmes under PM-DAKSH Yojana:

1. Up-skilling/Re-skilling - Normally, having duration from 35 to 60 hours and spaced over up to 35 days.
2. Short Term Training - Normally, having duration from 200 to 300 hours and up to 3 months, as stipulated in National Occupational Standards (NOS) and Qualification Packs (QPs).
3. Entrepreneurship Development Programme (EDP) – Normally, having duration up-to 90 hours/15 days or as stipulated by Ministry of Rural Development, Government of India.
4. Long Term Training - Normally, having duration up-to 650 hours/7 months, as stipulated by the concerned Board/Regulatory Body of the Training Centre.

• Under the programmes, the trainees are provided free training and stipend @ Rs.1500/- per month after the training, subject to overall attendance percentage of a trainee is 80% and above in the entire training period, through Direct Benefit Transfer (DBT), as per the advice of the Ministry of Social Justice and Empowerment, Government of India and Gazette Notification dated 16.02.2017, issued under the provision of Section-7 of the Aadhaar (Targeted Delivery of Financial and other Subsidies, Benefits and Services) Act, 2016.
• On successful completion of training and Assessment & Certification of trainees, they are provided placement assistance and/or entrepreneurial guidance to start their own ventures with financial assistance from NSFDC through State Channelizing Agencies/ Channel Partners.
• The Skill Development Training Programmes under PM-DAKSH Yojana, are being implemented through dedicated PM-DAKSH Portal.
• The youth from the target group, interested for Skill Development Training Programmes, can register their candidature through PM-DAKSH Portal “https://pmdaksh.dosje.gov.in” or Mobile App “PMDAKSH” to be downloaded from Google Play Store.