Lok Sabha Question No. 1439 (UNSTARRED), answered on 2020-02-11
Subject: Assistance under NSCFDC
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Kotagiri Sridhar

## GOVERNMENT OF INDIA MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT LOK SABHA

## ASSISTANCE UNDER NSCFDC

## 1439. SHRI SRIDHAR KOTAGIRI:

Will the Minister of SOCIAL JUSTICE AND EMPOWERMENT be pleased to state:

(a) the total funds   sanctioned  under the Micro Credit  Finance Assistance t0   small income generating activities under the National Scheduled Castes Finance and Development Corporation (NSCFDC) during the last three years and as on date. State-wise:

(b) whether the NSCFDC provides any other finaneial assistance for other schemes; and

- (c) if so. the details thereof??

UNSTARRED QUESTION NO. 1439 TO BE ANSWERED ON [1.02.2020

## ANSWER

## MINISTER OF STATE FOR SOCIAL JUSTICE AND) EMPOWERMENT (SHRI RATTAN LAL KATARIA)

- The State/UT-wise funds sanctioned by NSFDC to its various State Channelizing Agencies and Channelizing Agencies under Micro-Credit Finance Scheme for small income generating activities last three years   and current year (as on 31.12.2019) is enclosed at Annexure-L during
- (b) & (c) :Yes Sir: NSFDC also provides financial assistance in the form of loan under its other Credit Based Schemes apart from Miero-Credit Finance Scheme and finaneial assistance in the form of grant under its Non-Credit Based Scheme i.e. Skill Development Training Programmes.

The details of Credit Based Schemes including Micro-Credit Finance Scheme and Non-Credit Based Scheme of NSFDC are enelosed at Annexure-LL

## Reply to Lok\_Sabha Admitted Unstarred Question

| SL No.   | StatelUT                          |   2016-17 |   2017-18 | 2018-19   |   2019-20 (As on 31.12.2019) |
|----------|-----------------------------------|-----------|-----------|-----------|------------------------------|
| 1        | Andhra Pradesh                    |     0     |   246.58  | 1.29      |                       599.94 |
| 2        | Assam                             |    54     |    12.43  | 0.00      |                         0    |
| 3        | Bihar                             |  4951     |   521.8   | 0.00      |                         0    |
| 4        | (Chandigarh                       |     0     |    22.8   | 54.00     |                         0    |
| 5        | (Chhattisgarh                     |     0     |    13.13  | 0.00      |                         0    |
| 6        | Dadra & Nagar Haveli, Daman & Diu |     0     |     0.4   | 0.00      |                         0    |
| 7        | Delhi                             |     0     |     1.97  | 0.00      |                        40    |
| 8        | Gujarat                           |   450     |    29.71  | 0.25      |                       540    |
| 9        | Haryana                           |     0     |    47.851 | 0.00      |                         0    |
| 10       | Himachal Pradesh                  |     0.001 |   184.52  | 59.20     |                         0    |
| 11       | Jammu & Kashmir                   |     0     |     0.76  | 0.00      |                         0    |
| 12       | Jharkhand                         |   200     |     7.71  | 0.00      |                         0    |
| 13       | Karnataka                         |   175.8   |    73.2   |           |                         0    |
| 14       | Kerala                            |   120     |   258.01  | 0.58      |                         0    |
|          | 15 |Madhya Pradesh           |     0     |    70.18  | 0.00      |                         0    |
| 16       | Maharashtra                       |   680     |    29.5   | 0.43      |                         0    |
|          | 17 Odisha                         |     0.001 |    28.86  | 0.00      |                         0    |
|          | 18 [Puducherry                    |     0.001 |     0.27  | 0.00      |                         0    |
|          | 19 |Punjab                   |   739.67  |   538.07  |           |                      1243.89 |
|          | 20 |Rajasthan                |   101.6   |   227.02  | 240.83    |                         0    |
| 21       | Tamil Nadu                        |   450     |  6351.41  | 2.81      |                         0    |
|          | 22 [Telangana                     |     0     |    25.18  | 0.001     |                         0    |
|          | 23 |Tripura                  |   292.5   |  3645.42  | 0.001     |                         0    |
| 24       | Uttar Pradesh                     |    40.5   |  6543.42  | 1.43      |                         0    |
|          | 25 |Uttarakhand              |     7.8   |    38.69  | 0.001     |                         0    |
| 26       | West Bengal                       |     0     |    48.95  | 0.35      |                         0    |
|          | TOTAL                             |  3806.87  | 18967.8   | 1302.41   |                      2423.83 |

<!-- image -->

Rs. in lakhs

|      |                                             |                                                                                                       | n                  |                       |
|------|---------------------------------------------|-------------------------------------------------------------------------------------------------------|--------------------|-----------------------|
| (ix) | Vocational Education & Training Loan Scheme | For courses of duration up to two years: Up to Rs.4.00 lakh                                           | (Men) Women)       | 4%/ (Men) 3.5% Women) |
|      | Green Business Scheme                       | Up to Rs.7.50 lakh Above Rs.7.50 lakh & up to Rs.15.00 lakh Above Rs.15.00 lakh & up to Rs.30.00 lakh | 2%/ 3% 4%/         | 4%/ 6%/ 7%/           |
| (xi) | Aajeevika Microfinance Yojana               | Up to Rs.0.60 lakh                                                                                    | 5% (Men* 4%/ Women | 13% (Men* 12% Women   |
|      | (xii) | Stand-up India Scheme          | Above Rs.10.00 lakh & up to Rs.20.00 lakh Above Rs.20.00 lakh & up to Rs.30.00 lakh                   | 6% 7%/             | 9%/ 10%/              |
|      | (xiii) Udyam Nidhi Yojana#                  | to Rs.5.00 lakh Up                                                                                    | 4%                 | 12%/                  |

* Aajeevika Microfinance Yojana is implemented through Non-Banking Finance Company-Micro Finance Institutions (NBFC-MFIs) only. Under the Scheme, the target group shall be eligible to interest subvention of 2%/ per annum from NSFDC on timely full repayment of dues on yearly basis, which shall be credited by NSFDC directly to their accounts by Direct Benefit  Transfer (DBT) after receiving information from NBFC-MFL about prompt repayment: get

#Udyam Nidhi Yojana is implemented through Co-operative Societies/Banks.

## B) Non-Credit Based\_Scheme (Skill Development\_Lraining Programmes)

- 100% Course fee and Stipend @ Rs.1,500/- per month per trainee provided as Grants for non-residential training programmes
- Short term Skill Development Training Programme in job oriented areas such as Apparel Technology, Computer Technology. Mobile Repair and Automobile Repair etc. organized for unemployed youths of the target group through Government/Semi-Government/Autonomous Training Institutions Universities /Deemed Universities /Sector Skill Councils/Sector Skill Council affiliated Training Providers.

## (A)

| No.   | Scheme                            | Unit Cost                                                                                                                                                                                                                       | Interest rates per annum chargeable to   | Interest rates per annum chargeable to   |
|-------|-----------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------|------------------------------------------|
|       | Term Loan                         | Up to However, interest is charged based on NSFDC sharelunit as per the details given below                                                                                                                                     | CAs                                      | Beneficia ries                           |
| a     | Term Loan                         | Up to Rs.5.00 lakh                                                                                                                                                                                                              | 3%                                       | 6%/                                      |
| (b    | Term Loan                         | Above Rs.5.00 lakh & up to Rs.10.00 lakh                                                                                                                                                                                        | 5%/                                      | 8%/                                      |
|       | Term Loan                         | Above Rs.10.00 lakh & up to Rs.20.00 lakh                                                                                                                                                                                       | 6%/                                      | 9%/                                      |
| (d)   | Term Loan                         | Above Rs.20.00 lakh to Rs.45.00 lakh &up                                                                                                                                                                                        | 7%/                                      | 10%/                                     |
| (ii)  | Working Capital Loan              | Entire working capital is provided for projects costing up to Rs.5.00 lakh and up to 70% of the total working capital or Rs.7.00 lakh/unit, whichever is less, for  projects  costing above Rs.5.00 lakh & up to Rs.30.00 lakh. | 8%/                                      | 10%/                                     |
| (iii) | Micro Credit Finance              | Up to Rs.0.60 lakh                                                                                                                                                                                                              | 2%/                                      | 5%/                                      |
| (iv)  | Mahila Samriddhi Yojana           | Up to Rs.0.60 akh                                                                                                                                                                                                               | 1%/                                      | 4%                                       |
|       | Mahila Kisan Yojana               | to Rs.2.00 lakh Up                                                                                                                                                                                                              | 2%/                                      | 5%                                       |
| (vi)  | Shilpi Samriddhi Yojana           | Up to Rs.2.00 lakh                                                                                                                                                                                                              | 2%/                                      | 5%/                                      |
|       | (vii)| Laghu Vyavasay Yojana | Up to Rs.5.00 lakh                                                                                                                                                                                                              | 3%                                       | 6%                                       |
|       | (viii) Educational Loan Scheme    | NSFDC Share is up to 90% of the entire course fee or Rs.10.00 lakh  (India) and Rs.20.00 lakh (abroad), whichever is less.                                                                                                      | 1.5% (Men) 1% Wome                       | 4% (Men) 3.5% Women                      |

- NSFDC  s Skill Development   Training Programmes are National Skill in line with the Common Norms for Skill Training of Ministry of Skill Training and Entrepreneurship.