Nishad Society

Your thoughts on Education

How can we improve our community education level? Write here your thoughts.

RTE is in place. Enroll every child to school. Ensure he/she attends all classes. Monitoring principle n teachers is easy n infact underway though on papers. Monitor own kids at home too. Organising once a while career classes, guidance etc n picking up those few of excellence can be done. This all for unaffordable of our society Vis-a-Vis opening new schools for them. How many n with what guarantee.Further Suggestions may improve/refine the idea.

Try to extract maximum envisaged under law for RTE, right to food, right to health etc social n govt. schemes thru awareness n efforts. Publicity of such schemes n its way of utilisation is imp.

Eligibility Criteria :-
1.The beneficiary should be from the Scheduled Caste Community.
2.Annual family income of the beneficiary(ies) should not exceed Double the Poverty Line (DPL) income limit (presently
Rs. 98,000/- p.a. for rural areas and Rs.1,20,000/- p.a. for urban areas).

About NSFDC : FAQ:
Q.(1) What is NSFDC?
A. ‘NSFDC’ stands for National Scheduled Castes Finance & Development
Corporation. It was set up by the Government of India under Ministry of Social
Justice & Empowerment (MOSJ&E) on 8th February, 1989 under Section 25 of
the Companies Act, 1956 as a company 'not for profit'.
Q.(2) What is the Contact Address of NSFDC?
A. NSFDC has its Head Office at Delhi and its full address and contact number is :-
National Scheduled Castes Finance and Development Corporation
14th Floor, SCOPE Minar, Core 1 & 2, Laxmi Nagar, Delhi – 110 092
Tele: 011-22054392, 22054394, 22054396.
Fax: 011-22054395 E-mail : nsfdc@ bol.net.in
Website : www.nsfdc.nic.in
It has five Zonal Offices at Mumbai, Kolkata, Bengluru, Lucknow and Guwahati.
Q.(3) Why was it established?
A. It was established to finance for the economic empowerment of persons belonging
to the Scheduled Castes families living below Double the Poverty Line including
their skill upgradation.
Q.(4) What is it's Mission?
A. To finance, facilitate and promote the economic development activities of persons
belonging to scheduled castes living below Double the Poverty Line limit.
Q.(5) What is the main objective of NSFDC?
A. NSFDC's main objective is to finance, facilitate and mobilize funds for the
economic empowerment of persons belonging to the Scheduled Caste families
living below Double the Poverty Line.
Q.(6) Does NSFDC provide loans to all Scheduled Castes persons?
A. No, NSFDC provides loans only to economically poor sections of Scheduled
Castes whose annual family income is below Double the Poverty Line limit
(DPL) which is presently upto Rs 81,000/- p.a. for rural areas and
upto Rs1,03,000/- p.a.for urban areas
Q.(7) Is eligibility for loan based on caste and economic criteria alone?
A. Yes, but apart from caste and economic criteria, applicant must have practical
experience or skill and entrepreneurial ability in concerned field so that they can
manage their business successfully.
Q.(8) Is priority given to women in loan schemes?
A. Yes, out of funds notionally allocated on the basis of SC population, 40% of the
total funds have been allocated for women both in physical and financial terms.
Interest rebate ranging from 0-5% - 1% is offered to women beneficiaries in
certain schemes.
1
Q.(9) Is there any separate loan scheme for women?
A. Yes, There are three exclusive schemes for women beneficiaries i.e. Mahila
Samriddhi Yojana, Mahila KisanYojana and Nari Arthik Sashaktikaran Yojana
Q.(10) How does NSFDC provide loan?
A. NSFDC provides loan for income generating scheme to target group through its
Channalising Agencies namely State Scheduled Castes Development
Corporations (SCDCs), Public Sector Banks (PSBs), Regional Rural Banks
(RRBs) and other Institutions (As per list given at the end of FAQ).
Different loan schemes of NSFDC
Q.(11) For which activities do NSFDC provides loans?
A. NSFDC provides loans for income generating activities in Agriculture and other
allied, industrial and service sector & for professional/ Technical education.
Q.(12) What are the different types of loan schemes of NSFDC?
A. NSFDC has following Loan Schemes:
(i) Term Loan, (ii) Micro Credit Finance, (iii) Mahila SamriddhiYojana, (iv)
Mahila KisanYojana (v) Shilpi SamriddhiYojana (vi) Laghu Vyavasaya Yojana
(vii) Nari Arthik Sashaktikaran Yojana (viii) Educational Loan Scheme.
Q.(13) What are the activities for which Term loan is provided?
A. Some indicative schemes for which Term loan is provided:-
• Agricultural
Land Purchase
• Dairy
• Fisheries
• Goatery
• Honey Bee
• Cultivation
• Horticulture/
Floriculture
• Mulberry
farming/ Silk
Weaving/ cocoon
production, etc
• Poultry
• Power Tiller
• Sheep Farming/
• Tractor
• Flour Mill
• Footwear
Manufacturing
• Furniture Making
• Handlooms/
Power looms
• Leather goods
manufacturing
• Leather
Processing unit
• Readymade
Garments
• Rexine articles
making
• Silk reeling Unit
• Tailoring Shop
• Silver Ornaments
making
• Auto-rickshaw
• Beauty parlour
• Cyber Cafe
• Departmental Store
• DTP and Computer
Centre
• Fertilizer Shop
• Hardware Shop
• Medical Shop
• Photography/Videography
• Steel Fabrication
• Tent House
2
Q.(14) What are the activities for which Micro Credit Finance is provided?
A. Some indicative schemes for which Micro Credit Finance are provided:-
• Betel leaf shop
• Cycle repair
• Milch animal
• Vegetable
Vending
• Bakery
• Goatery
• Incense Stick making
• Papad manufacturing
• Candle Making
• Beauty parlour
• Fish Vending, etc
• Pickle
Manufacturing
• Tea Shop
Q.(15) What are the activities for which Mahila Samriddhi Yojana loan is
provided?
A. Some indicative schemes for which Mahila Samriddhi Yojana are provided:-
• Cloth Shop
• Mini Dairy
• Tea Shop
• Bangles Shop
• Beauty Parlour
• Papad making
• Basket making
• Batik Printing
• Broom making
Q.(16) What are the activities for which MahilaKisanYojana loan is provided?
A. MahilaKisanYojana loans are provided exclusively to rural women beneficiaries
for undertaking schemes in Agriculture and/or Mixed Farming activities such as
Vegetable growing, Floriculture, Dairy, Poultry, any other farming activities etc.
Q.(17) What are the eligibility criteria of MahilaKisanYojana?
A. In MahilaKisanYojana, land should be in the name of women beneficiary or
joint name with her husband. If the agriculture land is only in the name of
husband then he should not be the beneficiary of NSFDC, and he should not
have any objection to his spouse taking up any economic activity on that land.
Q.(18) What are the eligibility critiera of Shilpi Samriddhi Yojana. ?
A. Under Shilpi Samriddhi Yojana , NSFDC provide Financial Assistance to
eligible beneficiaries who are artisans and possess Artisans identity Card issued
by Development Commissioner (Handicrafts), Ministry of Taxtile , Government
of India or State Government and has requirement of funds.
Q.(19) What is Laghu Vyavasaya Yojana?
A. The objective of Laghu Vyavasaya Yojana is to cater to the needs of more &
more beneficiaries taking up small business activities with a higher investment.
3
Q.(20) Does NSFDC have a scheme to support single women/widows/women who
are head of their families?
A. Yes, NSFDC has a scheme called Nari Arthik Sashaktikaran Yojana (NASY) to
support single women/widows/women who are head of their families to take up
income generating activities and improve their socio-economic status.
Q.(21) What is the quantum of loan available under NASY?
A. Under the NASY, NSFDC would provide loans to eligible women under any
scheme of NSFDC without insisting own promoter contribution and after taking
into account margin money being provided by Channelizing Agencies and
subsidy to below poverty line beneficiaries @ 10,000/- or 50% of unit cost,
whichever is less.
Q.(22) Is there any provision under NASY for hand holding grant to the
beneficiaries?
A. Yes, there is a provision of 2% of the loan amount as grant for hand holding
activity for the beneficiaries covered under the scheme of NASY subject to
maximum of Rs.4000/- per unit.
Q.(23) Are the beneficiaries of NASY given further loan to expand their business?
A. Yes, the beneficiaries would be eligible to avail further assistance for expansion
of business after 2 years of availment of first loan provided the repayment is
regular.
Q.(24) What is the rate of interest of loan available under NASY?
A. Under the NASY, rate as applicable under specific scheme charged.
Q.(25) What is the repayment period of loans given under NASY?
A. The loans under NASY are to be repaid in quarterly installments within a
maximum period of upto 10 years including moratorium period. The actual
repayment period would be based on a nature of economic activity and income
generation.
Q.(26) If anyone has agricultural land but doesn’t have irrigation facilities then
can he/she get loan for irrigation?
A. Yes, loans can be availed for irrigation implements such as Bore well, Sprinkler,
drip etc for irrigation on purpose on unirrigated farmland.
Q.(27) How much amount of loan can be availed in these Schemes and what is
interest rate?
A. In the following tables cost of project, amount of loan and interest rate in these
schemes are shown below:-
4
Sr.
No.
Project Project/Unit Cost Limit of
Loan (% of Project/
Educational Cost)
Interest rate @ p.a.
From
SCA
From
Beneficiary
1. Term Loan Scheme
A Projects costing up
to Rs 5.00 lakh
90% 3% 6%
B Projects costing
above Rs 5.00 lakh
and up to Rs10.00
lakh
90% 5% 8%
C Projects costing
above Rs 10.00
lakh and
upto Rs20.00 lakh
90% 6% 9%
D Projects costing
above Rs 20.00
lakh and
upto Rs27.00 lakh
90% 7% 10%
2. Micro-credit
Finance
Upto Rs. 50,000/- 90% 2% 5%
3. Mahila Samriddhi
Yojana
upto Rs 50,000/- 90% 1% 4%
4. Mahila Kisan
Yojana
upto Rs 50,000/- 90% 2% 5%
5. Shilpi Samriddhi
Yojana
upto Rs 50,000/- 90% 2% 5%
6. Laghu Vyavasaya
Yojana
Upto Rs 2.00/- lakh 90% 3% 6%
7. Nari Arthik
Sashaktikaran
Yojana
Under any NSFDC
Scheme norms.
90% 1% 4%
8. Educational Loan
Scheme
upto Rs 10.00 lakh
(for studies within
India)
90% Male 1.5% 4%
Female 1.00% 3.5%
upto Rs 20.00 lakh
(for studies abroad)
90% Male 1.50% 4%
Female 1.00% 3.5%
9. Vocational
Educational
Training Loan
Scheme
• Course duration 6
months to 1 year -
Rs.1.00 lakh
• Course duration 1
year to 2 years -
Rs.1.50 lakh
100% Male 1.50% 4.00%
Female 1.00% 3.50 %
5
Q.(28) Do applicants have to invest their own capital also?
A. In order to ensure applicant's stake in the project, the applicant is expected to
invest his share in the Term Loan Scheme. Norms for promoter’s contribution
in Term Loan are as under:-
Sr.
No.
Project/Unit Cost Minimum Promoter’s
(Applicant's) Contribution as %
of Project/Unit Cost
(i) Projects costing upto Rs 1.00 lakh Not to be insisted upon.
(ii) Projects costing above Rs 1.00 lakh
and upto Rs 2.50 lakh
2%
(iii) Projects costing above Rs 2.50 lakh
and upto Rs 5.00 lakh
3%
(iv) Projects costing above Rs 5.00 lakh
and upto Rs 10.00 lakh
5%
(v) Project costing above Rs 10.00 lakh
and upto Rs 20.00 lakh
7%
(vi) Project costing above Rs 20.00 lakh
and upto Rs 30.00 lakh
10%
Q.(29) Does repayment of installments start just after disbursement of loan?
A. No, the principal repayment does not start immediately after disbursement. This
facility is extended to beneficiaries to give them time to stabilize themselves in
the business. Generally, principal repayment starts after a moratorium period of
6 to 9 month based on type/nature of business. However, repayment of interest
starts soon after disbursement and there is no moratorium on repayment of
interest.
6
Q.(30) What is repayment period?
A. Scheme-wise repayment period is as follows:-
Sr.
No.
Scheme of Loan Repayment period (Maximum) Installment
1 Term Loan Scheme Repayment of loan depending on
financial status or 10 years,
whichever is earlier nature of
scheme.
quarterly/half yearly/
yearly installments
2 Micro Credit
Finance Scheme
within maximum period of 3
years including 90 days of
moratorium period
quarterly installments
3 Mahila Samriddhi
Yojana
within maximum period of 3
years including 90 days of
moratorium period
quarterly installments
4 Mahila Kisan
Yojana
within maximum period of 10
years including one year of
moratorium period
quarterly installments
5 Shilpi Samriddhi
Yojana
within maximum period of 10
years including one year of
moratorium period
quarterly installments
6 Laghu Vyavasaya
Yojana
within maximum period of 6
years including one year of
moratorium period
quarterly installments
7 Nari Arthik
Sashaktikaran
Yojana
within maximum period of 10
years including one year of
moratorium period
quarterly installments
8 Educational Loan
Scheme
6 months after completion of the
course or getting employment,
whichever is earlier. within a
maximum period of 5 years
including moratorium period and
the total currency of loan shall
not exceed 10 years
quarterly installments
9. Vocational
Educational
Training Loan
Scheme
Repayment for:
course duration upto one year - 5
years
course duration above one year
and upto two years -7 years
(After 6 months of moratorium
period)
quarterly installments
Q.(31) Can multiple loans be taken from NSFDC?
A. Status for availing second time loan:-
Sr.
No.
Scheme of Loan Status for availing second time loan
1 Term Loan Scheme Yes, on repayment of Term loan for units
costing upto Rs.2.00 lakh, second loan can be
taken.
2 Micro Credit Finance
Scheme
Yes, on repayment of earlier loan regularly
beneficiary can avail NSFDC loan second
time.
3 Mahila Samriddhi Yojana Yes, on repayment of earlier loan regularly
beneficiary can avail NSFDC loan second
time.
4 Mahila KisanYojana Yes second loan given after first loan.
5 Shilpi SamriddhiYojana
Yes second loan given after first loan.
6 Laghu Vyavasaya Yojana Yes second loan given after first loan under
unit costing upto 2.00 lakh
7 Nari Arthik Sashaktikaran
Yojana
Yes second loan given after first loan under
unit costing upto 2.00 lakh
8 Educational Loan Scheme No second loan given after first loan.
Q.(32) What is eligibility for Shilpi Samriddhi Yojana?
A. This loan is specially given to Scheduled Castes Artisans possessing Artisan
Identity Card issued by the Development Commissioner (Handicrafts), Ministry
of Textile, Govt. of India or any Government authority for making of craft
items.
Q.(33) What is the procedure to apply for NSFDC loan?
A. The applicants should contact the Channelizing Agencies if they wish to avail
NSFDCs loans. The applicants are required to submit application in NSFDC's
format with details of business and copies of caste, income and experience etc.
at the channelising agency office. A list of the NSFDC’s channelising agencies
are given at the end of FAQ.
8
Q.(34) Does NSFDC provide loan for Passenger/Goods Vehicles also?
A. Yes, under service, sector NSFDC provides loan for different types of vehicles
such as Autorikshaw, Jeep, Car, Taxi, Tractor, Pick-up Van, small commercial
vehicle, Mini buses etc. These loans are given only for applicant's self driving.
Commercial driving license, permit must be in the name of applicants for these
loans. One person is given loan for one vehicle only. Beneficiary can select
model of vehicle as per their choice.
Q.(35) Can a beneficiary choose the schemes of his/her preference?
A. Yes, beneficiary can select scheme according to his choice. They have to keep in
mind their skill, efficiency, local needs, infrastructure while selecting the
business activity.
Q.(36) For which Educational courses, the Educational Loan is provided by
NSFDC?
A. The Educational Loan is provided for the courses run by the recognized
Educational Institutions. Presently it is provided for pursuing following full
time professional/technical courses:-
1. Full time Professional/Technical courses in the fields of Engineering,
Medical, Dental, Management, Information Technology, Hotel
Management, Architecture, Physiotherapy, Bio-Technology, Law,
Education, Journalism etc.
2. Professional courses like CA/ICWA/CS/AMIE/FIA/IETE.
3. Higher education like Doctoral Studies leading to M.Phil/PhD from
recognized institutions.
Q.(37) What does NSFDC do apart from giving loan?
A. Apart from giving loan, NSFDC provides Skill and Entrepreneurial training in
emerging areas through reputed Government Institutions to educated
unemployed youths of the target group. NSFDC gives 100% grant through
Chennalising Agencies to Training Institutes for these programmes.
Q.(38) Is any stipend given to trainees in these training programme?
A. Yes, During the training Programmes, stipend @ Rs 1,500/- per month is paid
to each trainee to enable them to meet their incidental expenses.
9
Q.(39) In which area Skill training is provided?
A. Some indicative Schemes for Skill training are as following :-
• Certificate Course in Hardware
and Networking.
• Garment Construction Course
• CNC Milling Programming and
Operation.
• CAD using Auto CAD
• Plastic Injection Machine
Operator.
• Pattern Cutting Master Course.
• Diploma in Hardware &
Networking.
• Fruit Processing
• CNC Lathe Machine Operator
• CNC Turning Programming and
Operation
• Soft Toys making.
• Certificate Course in MS Office
and Internet.
• Sewing Machine Operator
Course.
• Automobile Repairs and Servicing
• Beauty Parlour, Nursing,
Laboratory Technician
• Certified Electronic Assembly
Operator.
• Machine Mechanic CourseDesk top
Publishing and MS Office
• Entrepreneurship Development
Programme.
• Mobile Phone Repairs
• Motor Rewinding
• Photography and Videography
• Plastic Extrusion Machine Operator
• Production Supervisor and Quality
Control
• Repairing & Maintenance of Diesel
Engine & Power Tiller
• Repairing of Refrigerator and Air
Conditioner.
• Welding and Fabrication,
Electrician etc.
Q.(40) What type of facilities is provided to beneficiaries after skill training?
A. Placement assistance is provided to the beneficiaries after skill training by the
respective Training Institution. Also trainees who would like to setup their
own ventures, they are provided free entrepreneurial guidance and the
procedure to apply for the loan schemes of NSFDC.
Q.(41) What is the procedure to get skill training sponsored through NSFDC?
A. Information as Skill Training Programmes is published in local newspaper
from time to time. The Skill Development Training Institution offering
NSFDC sponsored skill training programmes have a well-defined selection
procedure. For more information, Channelizing Agencies of NSFDC, whose
name and phone numbers are given at the end of this FAQ, may be contacted.
10
Q.(42) Does NSFDC have any scheme for providing loan to pursue Vocational
courses of more than 6 months duration?
A. Yes, NSFDC has a Vocational Education and Training Loan Scheme (VETLS)
launched w.e.f. 8.2.2014 to provide loan to SC persons for pursuing vocational
education and training courses of duration six months or more and upto 2
years.
Q.(43) What is the trainee eligibility under the scheme?
A. The trainee eligibility under the scheme, is as under;
(i) The trainee should be from a Scheduled Caste community;
(ii) The annual family income of the trainee should be below the Double
the Poverty Line (presently annual family income of Rs.81,000/- for
rural areas and Rs.1,03,000/- for urban areas).
(iii) The trainee should have secured admission in a course run or supported
by a Ministry/Deptt./Organization of the Government or a
Company/Society/Organization supported by National Skill
Development Corporation or State Skill Missions/State Skill
Corporations, preferably leading to a Certificate/Diploma/Degree etc.
issued by a Government Organization or an Organization
recognized/authorized by the Government to do so.
Q.(44) What is the course eligibility?
A. The course eligibility is for Vocational Education & Training courses of
duration of six months to two years, run or supported by a
Ministry/Department/Organization of the Government or a
Company/Society/Organization supported by National Skill Development
Corporation or State Skills Mission/State Skill Corporations preferably leading
to a Certificate/Diploma/Degree etc. issued by a Government Organization or
an Organization recognized/authorized to do so.
Q.(45) What is age criteria?
A. In this scheme, there is no specific restriction with regard to the age of the
trainee to be eligible for the loan. However, if the trainee is minor, while the
parent executes documents for the loan, the channelizing agency shall obtain a
letter of ratification from him/her upon attaining majority. The upper age limit
could be decided by the channelizing agency and if a person is unemployed
and upto 50 years of age, and desirous of undergoing the Vocational Education
& Training, he/she could be considered on case to case basis.
11
Q.(46) What are the expenses considered in the VETLS?
A. The following expenses are considered under the scheme ;
• Admission/Tuition fee.
• Examination, Library, Laboratory Fee,
• Caution Deposit.
• Purchase of Books, Equipments, Instruments.
• Boarding & Lodging
• Insurance for loan amount.
• Any other reasonable expenses found necessary for completion of the
course certified by Vocational Education & Training Institute.
Q.(47) What is the quantum of finance available?
A. The quantum of finance is as under;
Need based finance to meet 100% expenses on components mention in
Answer 5 above shall be considered subject to the following ceilings;
• For courses of duration of six months or above : Upto Rs.1,00,000/-
and upto one Year
• For courses of duration above one year & upto : Upto Rs.1,50,000/-
two years.
Note : In case of cost over-run, it shall be borne by beneficiary.
Q.(48) What is the rate of interest on the loan?
A. NSFDC shall charge interest @ 1.5% per annum from the Channelising
Agency which, in turn, shall charge 4% per annum from the beneficiaries. In
case of women, an interest rebate of 0.5% shall be provided.
Q.(49) Is there any moratorium period for the repayment of loan?
A. Yes, the moratorium period is six months from completion of courses or
getting employment, whichever is earlier.
Q.(50) What is repayment period of the loan?
A. The loan shall be repaid in quarterly instalments including the applicable
moratorium period of six months.
Course having duration of six
months or above and upto one
year
- 5 years
Courses having duration above
one year and upto two years
- 7 years
12
Q.(51) Are they any pre-payment charges for loan ?
A. No, the borrower can repay the loan any time after commencement of
repayment of loan. No pre-closure charges shall be insisted from borrower
in case of early repayment of loan.
Q.(52) Will the loan be provided if the courses have started prior to 8.2.1204?
A. No, the courses should have started after the date of introduction of the
scheme i.e. w.e.f. 8.2.2014.
Q.(53) In case there is a grievance/complaint, regarding NSFDC's loan, who do
we contact?
A. In case of any grievance/complaint regarding NSFDC loans, the following
officers may be contacted:-
(i) The Grievance Redressal Officer, NSFDC, Delhi. The grievance may be
sent online through Centralized Public Grievances, Redressal and
Monitoring System (CPGRAMS) [website : www.pgportal.gov.in ]
(ii) The Chief Vigilance Officer(CVO), NSFDC, Delhi.
(iii) The Chairman cum Managing Director, NSFDC, Delhi.

Credit Based Schemes

CREDIT BASED SCHEMES AT A GLANCE

Unit Costs & Interest Rates

Sr. No.

Scheme

Unit Cost
(Rs in lakh)

Interest rates per annum chargeable to

*CAs

Beneficiaries

(i) Term Loan (a) Upto Rs 5.00 3% 6%
(ii) Term Loan (b) Above Rs 5.00 & upto Rs 10.00 5% 8%
(iii) Term Loan (c) Above Rs 10.00 & upto Rs 20.00 6% 9%
(iv) Term Loan (d) Above Rs 20.00 & upto Rs 30.00 7% 10%
(v) Micro Credit Finance Upto Rs 0.50 2% 5%
(vi) Mahila Samriddhi Yojana Upto Rs 0.50 1% 4%
(vii) Mahila Kissan Yojana Upto Rs 0.50 2% 5%
(viii) Shilpi Samriddhi Yojana Upto Rs 0.50 2% 5%
(ix) Educational Loan Scheme Upto Rs 10.00 (India) and Rs 20.00 (Abroad) 1.5%
4%**

(x) Laghu Vyavsay Yojana Upto Rs 2.00 3% 6%
(xi) ***Nari Arthik Sashaktikaran Yojana Under any NSFDC scheme norms 1% 4%
(xii) Vocational Educational Training Loan Scheme

Upto 100% (i.e. upto Rs. 1.00 Lakh for course duration six months to one year and upto Rs. 1.50 Lakh for course duration above one year to two years) 1.5% 4%
(xiii) Green Business Scheme
Upto Rs. 1.00

Above Rs. 1.00 & upto Rs.2.00

1%

2%

3%

5%

(xiv)
Ajivika Micro Finance Yojana

(NSFDC to NBFC-MFI)

(1% rebate for Women)
Upto Rs. 0.60
5%

13%

* Channelising Agencies (SCAs/Banks/RRBs)

** 0.5% rebate for Women Beneficiaries.

***for NASY : The SCA would be provided 2% of the loan amount as grant for the purpose of carrying out ‘handholding activity’ for the beneficiaries covered under the scheme, subject to a maximum of Rs. 4000/- per unit.

Non-Credit Based Schemes

SKILL DEVELOPMENT TRAINING PROGRAMMES 1.NSFDC sponsors Skill Development Training Programmes through its SCAs or directly to the Institutions for educated unemployed youth of the target group in emerging areas such as Garment Technology, Computer Technology, Electronic Test Engineering, Mobile Phone Repairs, BPO Call Centres and Automobile Repairs etc.
2.These programmes are conducted by reputed Government/Semi Government/Autonomous Institutions/University/Deemed Universities and the trainees are provided free training and stipend @ Rs 1500/- per month during the training period.
3.The beneficiaries are also provided placement assistance and/or entrepreneurial guidance to start their own ventures with financial assistance from NSFDC through State Channelising Agencies.

Non-Credit Based Schemes

SKILL DEVELOPMENT TRAINING PROGRAMMES 1.NSFDC sponsors Skill Development Training Programmes through its SCAs or directly to the Institutions for educated unemployed youth of the target group in emerging areas such as Garment Technology, Computer Technology, Electronic Test Engineering, Mobile Phone Repairs, BPO Call Centres and Automobile Repairs etc.
2.These programmes are conducted by reputed Government/Semi Government/Autonomous Institutions/University/Deemed Universities and the trainees are provided free training and stipend @ Rs 1500/- per month during the training period.
3.The beneficiaries are also provided placement assistance and/or entrepreneurial guidance to start their own ventures with financial assistance from NSFDC through State Channelising Agencies.

Business Opportunities

Agricultural & Allied Sector

1. Agricultural Land Purchase 11. Duckery
2. Irrigation Borewells/Minor Irrigation 12. Goatery
3. Horticulture 13. Sheep Farming
4. Sericulture 14. Fisheries
5. Poultry 15. Ornamental Fish Rearing
6. Dairy 16. Tractors
7. Piggery 17. Power Tillers etc.
8 Bullock/Camel Cart 18. Cultivation & Processing of Medicinal Plants
9 Floriculture 19. Honey Bee Cultivation
10 Hatcheries 20. Agricultural Implements

Small Industries Sector

1. Bricks Making 26. Printing Press
2. Readymade Garments Manufacturing 27. Furniture Making
3. Handlooms/Powerlooms 28. Flour Mill
4. Handicrafts Making 29. Soft Toys making
5. Footwear Manufacturing 30. Embroidery/Knitting
6. Silver Ornaments making 31. Woollen Garments/Shawls making etc.
7. Bakery 32. Hosiery Units
8. Bamboo Furniture Making 33. Jute Fabrics/Bags
9. Battery Making 34. Leather Garments
10. Bicycle Repairing Shops 35. Leather Processing
11. Bicycle Seat Cover Making 36. Leather& Rexine Articles
12 Bio-gas Plant 37. Lime Kilns
13. Candles Manufacturing 38. Plastic Bags Manufacturing
14. Car Upholstery & Seat Making 39. Potteries
15. Cement Solid Blocks 40. Pouch Making
16. Coir Industry 41. Powerlooms
17. Carpet Manufacturing 42. Prawn Culture
18. Copperware/Utensils Manufacturing 43. Rubber Industry
19. Exercise Books & Registers Making 44. Shoe/Chappal Manufacturing
20. Ginger & Turmeric Processing 45. Umbrella Making
21. Granite Tiles 46. Fiber Glass Manufacturing
22. Handmade Papers 47. Mineral Water Bottling Plant
23. Ornaments Polishing Units 48. Oil mills
24. Stone Crushing 49. Saw Mills
25. Supari Manufacturing 50. Soft/Stuffed Toys Making

Service & Transport Sector

1. Departmental Stores 42. Dhabas/Mini Hotels
2. Stationery Shops 43. Tourist Lodge
3. Photography/Videography 44. Automobile Repairs
4. Chemist Shops 45. Electrical Items Shop
5. Kiryana Store 46. Hardware Shop
6 Bangle/Cosmetic Shop 47. Electrical Winding
7. Garments Shop 48. Welding & Refrigeration
8. Commercial Centre (STD/Photocopier/Scanner) 49. Vegetable vending
9. Internet Cafe 50. Watch Repair/Sales Shop
10. Cable TV 51. Digital Mixing Lab
11. Tent House 52. Seeds/Fertilizers/Pesticides Shops
12. Beautician 53. Auto rickshaws/Auto Load Carrier
13. Band Party 54. Light Commercial Vehicles/Mini Buses
14. Fish/Meat Shops 55. Jeeps/Car Taxies
15. Petty Shops 56. Earth Movers (JCB) etc.
16. Bicycle Repairing Shops 57. Laundry/Dry-cleaning Shops
17. Blood Bank 58. Machine Shops
18. Book Binding/Book Shops 59. Marble Polishing
19. Cards Shop 60. Milk Chilling Centres/Booths
20. Clinical Labs 61. Mobile Crane
21. Cloth Merchant 62. Nursing Home/Hospitals
22. Computer Centres 63. Nursery School
23. Computer Hardware & Servicing 64. Passenger/Fishing Boats
24. Dental Clinics 65. Public Address System
25. Desk Top Printing 66. Pump set/Minor Irrigation
26. Driving School 67. Rabbit Rearing
27. Eye Clinics 68. Ropeway
28. Food Processing 69. Sales & Servicing of Electric Items
29. Gas Agency 70. Saw Mills
30. Gem Stone Cutting & Polishing 71. Supplying Unit
31. Shopping Complex 72. Seeds & Pesticides Shops
32. Shuttering 73. Sericulture Development
33. Spice Grinding 74. Tannery
34. Spray Painting 75. Tent House/Decorators
35. Silk Weaving 76. Transport Vehicles (Autos , Taxies, LCVs, Buses,Trucks)
36. Spray Painting Unit 77. Travel Agency
37. Steel Fabrication 78. T.V./Audio-Video/Refrigerator/A.C. Repair
38. Sweet Shop 79. Typing School
39. Tailoring 80. Tyre Retreading
40. Water Sports Equipments 81. Tyre Servicing & Vulcanising
41. Wooden/Steel Furniture 82. Xerox/Fax/Typing/Lamination Centre

Contact Us

National Scheduled Castes Finance and Development Corporation
(A Government of India Undertaking)
14th FLOOR, SCOPE MINAR, CORE ‘1’ & ‘2’ , NORTH TOWER ,
LAXMI NAGAR DISTRICT CENTRE,
LAXMI NAGAR,
DELHI-110092
Phone (91-11)-22054391/92/94/95/96
Fax: (91-11)-22054395/49
E-mail: support- support-nsfdc@nic.in
Website: www.nsfdc.nic.in

FOR VIGILANCE CONTACT:
Assistant General Manager-cum-Chief Vigilance Officer
National Scheduled Castes Finance and Development Corporation
(A Government of India Undertaking)
14th FLOOR, SCOPE MINAR, CORE ‘1’ & ‘2’ , NORTH TOWER ,
LAXMI NAGAR DISTRICT CENTRE,
LAXMI NAGAR,
DELHI-110092
Phone (91-11)-22054391/92/94/95/96
Fax: (91-11)-22054395/49
E-mail: support-nsfdc@nic.in
Website: www.nsfdc.nic.in

Educational thoughts are given some of useful materials and discussion about the topic. The quality nature of advices and courses about each subjects are available in this post. Each person should be submit their pan card for their admission process. Error in the verification of PAN. The name against rule does not match the name in the Income Tax Department: linking the PAN number with the PAN number is mandatory to obtain the tax exemption while claiming the amount of PF or salary. But when linking the student pan card with the PAN number, the members receive an error called Check error PAN. You can verify your PAN number and other details from online. Check with your date of birth or Aadhaar number and send mail to particular authorized person