KSWDC LOAN SCHEMES

VARIOUS SELF EMPLOYMENT LOAN SCHEMES





Sl No. Category National Corporations Scheme Annual Income Loan Amount Interest rate Repayment period Age
1 Backward Classes Community NBCFDC Individual loan scheme-1
(Term Loan)
3 lakhs upto 1.25 lakhs 7% 5 yrs 18-55
Individual loan scheme-2
(Term Loan)
1.25-15 lakhs 8% 5 yrs 18-55
2 Minority Community NMDFC Credit Line 1
(Term Loan)
Rural area – upto 98000
Urban -upto 120000
upto 20 lakhs 6% 5 yrs 18-55
Credit Line 2
(Term Loan)
Upto 8 lakhs upto 30 lakhs 6% 5 yrs 18-55
3 Scheduled Caste NSFDC Utkarsh Loan Yojana 3 lakhs 1.40 to 10 lakhs(including Benef. share) 8% 4 yrs 18-55
Utkarsh Loan Yojana 10-50 lakhs 9% 5 yrs 18-55
Micro Credit Finance Upto 8 lakhs Upto 1.40 lakhs 6.5% 2.5 yrs 18-55
4 Scheduled Tribes NSTFDC AMSY (Aadhivasi Mahila Sashakthikaran Yojana) 3 lakhs upto 2 lakhs 4% 5 yrs 18-55

EDUCATION LOAN






Sl No. Category National Corporations Annual Income Loan Amount Interest rate Repayment period Age
India Abroad
1 Backward Classes Community NBCFDC 3 lakhs 15 lakhs 15 lakhs 8% 5 yrs 18-32
2 Minority Community NMDFC
(Credit Line 1)
Rural area – upto 98000
Urban -upto 120000
20 lakhs 30 lakhs 3% 5 yrs 18-32
NMDFC
(Credit Line 2)
Upto 8 lakhs 20 lakhs 30 lakhs 5% 5 yrs 18-32
3 Scheduled Caste NSFDC 3 lakhs 30 lakhs 40 lakhs 5.5%-6.5% 5 yrs 18-32
4 Scheduled Tribes NSTFDC 3 lakhs 10 lakhs Nil 6% 5 yrs 18-32
5 Safayi Karamcharis NSKFDC 3 lakhs 10 lakhs 20 lakhs 5.5%-6.5% 5 yrs 18-32

MICRO FINANCE LOAN SCHEME

Sl No. Category National Corporations Maximum Amount (CDS/Beneficiary) Interest Rate (CDS-Beneficiary) Repayment period
1 Minority Community NMDFC CDS-Upto 3 crs Beneficiary – Maximum upto 1 lakh (For Scheduled Tribe Community, 50000/ben & 5 lakh/SHG)
5-6% 3 yrs
2 Backward Class Community NBCFDC 5-6% 2.5 yrs
3 Scheduled castes community NSFDC 5-6% 3 yrs
4 Scheduled Tribes community NSTFDC 5-6% 3 yrs
5 Safai Karamcharies community NSKFDC 4-5% 3 yrs

KSWDC SCHEMES

Sl No. Scheme Loan Amount Annual income Interest rate Repayment period Age limit
1 *General Scheme
(Self-Employment Loan Scheme)
5 lakhs 8 lakhs 8% 5 yrs 18-60
2 BC Credit Line II
(Self-Employment Loan Scheme for backward classes)
5 lakhs 3-8 lakhs 8% 5 yrs 18-60
3 Vidya Mithra
(Education Loan for General category or Forward classes)
10 lakhs 3 lakhs 7.5% 5 yrs 18-32
4 Small Loan Scheme
(street vendors, small business, single mothers)
(Self-Employment Loan Scheme for all category)
50,000/- 1,20,000/- As per the guidelines of NC & KSWDC 5 yrs 18-55

*Applicant belongs to the forward classes’ community as notified by Central Government and State Government*

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