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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MG/MS/VL
