1. Introduction
- Established: February 8, 1989, as a not-for-profit company under Section 25 of the Companies Act, 1956 (now a Section 8 company under the Companies Act, 2013).
- Objective: Socio-economic empowerment of Scheduled Caste (SC) individuals with an annual family income up to ₹3 lakh.
- Ownership: Wholly owned by the Government of India and operates under the Ministry of Social Justice & Empowerment.
- Authorized Share Capital: ₹1,800 crore; ₹1,515 crore released by the government (as of January 31, 2025).
2. Major Schemes
A. Credit-Based Schemes (Loans)
- Implemented through SCAs, PSBs, RRBs, NBFC-MFIs, and Cooperative Banks.
- Loan limits range from ₹1.25 lakh to ₹50 lakh with low-interest rates (2% to 9%).
- Types of loans:
- Mahila Samriddhi Yojana (MSY) & Micro-Credit Finance (MCF): Up to ₹1.25 lakh at 6% interest.
- Suvidha Loan: Up to ₹9 lakh at 8% interest.
- Utkarsh Loan: ₹10–50 lakh at 9% interest.
- Education Loan: Up to ₹40 lakh for studies in India or abroad, with interest subsidies for women.
- Aajeevika Microfinance Yojana (AMY): Up to ₹1.25 lakh at 15% interest.
- Udyam Nidhi Yojana (UNY): Up to ₹4.5 lakh at 13% interest.
- B. Non-Credit-Based Schemes (Skill Development)
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Skill Development Training Programs for unemployed SC youth, aligned with NSQF standards and Common Norms of MSDE.
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Financial assistance:
- 100% course fee covered.
- Stipend of ₹1,500/month for non-residential training.
- Boarding & lodging support for residential programs.
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PM-DAKSH Yojana: Provides skill development training for marginalized groups, including SCs, OBCs, EBCs, DNTs, sanitation workers, waste pickers, and manual scavengers.
3. Performance (Last 10 Years)
- Total disbursement: ₹8,559.71 crore (as of January 31, 2025).
- Total beneficiaries: 16.22 lakh people.
- Annual performance (2024-25): ₹257.67 crore disbursed to 19,401 beneficiaries (as of Jan 31, 2025).
For more details, visit NSFDC Website.
