(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 |
|||||
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
|
|
Up to Rs.1.40 lakh |
Rs.1.25 lakh |
2% |
5% |
Within 3.5 years |
||
Up to Rs.1.40 lakh |
Rs.1.25 lakh |
1% |
4% |
Within 3.5 years |
||
Up to Rs.5.00 lakh |
Rs.4.50 lakh |
2.5% |
5.50% |
Within 10 years |
||
Up to Rs.5.00 lakh |
Rs.4.50 lakh |
3% |
6% |
Within 6 years
|
||
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
|
||
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
|
|
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. |
||
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) |
|
|||
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 |
|
||||
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 |
|||||
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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