Ministry of Social Justice & Empowerment
NEW SWARNIMA LOAN SCHEME
Posted On:
19 DEC 2023 3:09PM by PIB Delhi
The details of the New Swarnima Loan Scheme of National Backward Classes Finance and Development Corporation (NBCFDC) is as follows-
“NEW SWARNIMA SCHEME FOR WOMEN”
Objectives
Inculcating the spirit of self-dependence among the women of Backward Classes under Term Loan.
Eligibility
- The women belonging to Backward Classes as notified by the Central/ State Governments from time to time shall be eligible for loan under this scheme.
- Applicant’s annual family income should be less than Rs.3.00 Lakh.
Salient Features
- The target group of the “New Swarnima” scheme of NBCFDC is the women belonging to Backward Classes having annual family income less than Rs.3.00 Lakh.
- The beneficiary women is not required to invest any amount of her own on the projects up to cost of Rs.2,00,000/-.
- The rate of interest on the amount of loan is less as compared to the general loan scheme of the Corporation.
Maximum Loan Amount : Rs. 2.00 Lakh (per beneficiary)
Pattern of Financing
- NBCFDC Loan : 95%
- Channel Partner Contribution : 05%
Rate of Interest
- From NBCFDC to Channel Partner : 2% p.a.
- From Channel Partner to beneficiary : 5% p.a.
Repayment
Loan is to be repaid in quarterly instalments with maximum 8 years (including the moratorium period of six months on the recovery of principal).
The total number of beneficiaries assisted under New Swarnima Scheme during the last 3 years State/UT-wise is as follows
|
S. No.
|
Name of State/UT
|
2020-21
|
2021-22
|
2022-23
|
|
(Nos.)
|
(Nos.)
|
(Nos.)
|
|
1.
|
Andhra Pradesh
|
15
|
-
|
-
|
|
2.
|
Assam
|
61
|
-
|
-
|
|
3.
|
Bihar
|
1
|
-
|
-
|
|
4.
|
Chandigarh
|
-
|
-
|
-
|
|
5.
|
Chhattisgarh
|
20
|
-
|
-
|
|
6.
|
Delhi
|
34
|
5
|
-
|
|
7.
|
Goa
|
50
|
-
|
25
|
|
8.
|
Gujarat
|
230
|
280
|
180
|
|
9.
|
Haryana
|
-
|
100
|
-
|
|
10.
|
Himachal Pradesh
|
8
|
50
|
250
|
|
11.
|
Jammu & Kashmir
|
160
|
275
|
100
|
|
12.
|
Jharkhand
|
1
|
-
|
-
|
|
13.
|
Karnataka
|
72
|
-
|
-
|
|
14.
|
Kerala
|
2020
|
5420
|
3940
|
|
15.
|
Madhya Pradesh
|
37
|
-
|
-
|
|
16.
|
Maharashtra
|
6
|
-
|
-
|
|
17.
|
Manipur
|
1
|
-
|
-
|
|
18.
|
Odisha
|
1
|
-
|
-
|
|
19.
|
Punjab
|
541
|
1434
|
678
|
|
20
|
Rajasthan
|
553
|
-
|
-
|
|
21
|
Tamil Nadu
|
2040
|
-
|
-
|
|
22.
|
Telangana
|
7
|
-
|
-
|
|
23.
|
Uttar Pradesh
|
335
|
200
|
400
|
|
|
Total
|
6193
|
7764
|
5573
|
This information was given by the Minister of State for Social Justice and Empowerment Km. Pratima Bhoumik in a written reply to a question in Lok Sabha today.
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