Lok Sabha Question No. 5201 (UNSTARRED), answered on 2022-04-04
Subject: NSTFDC
Ministry: TRIBAL AFFAIRS
Asked by: Suresh Kodikunnil

## GOVERNMENT OF INDIA

## MINISTRY OF TRIBAL AFFAIRS LOK SABHA UNSTARRED QUESTION NO- 5201 TO BE ANSWERED ON- 04/04/2022

## NSTFDC

## 5201.   SHRI KODIKUNNIL SURESH:

Will the Minister of TRIBAL AFFAIRS be pleased to state:

(a) the details of financial assistance schemes including soft loans provided by the Government to aspirants  among  Scheduled  Tribes  through  National  ST  Finance  and  Development  Corporation (NSTFDC) under Ministry of Tribal Affairs for enhancing income generating activities and address the delivery gap in access to conventional loans by scheduled tribes:

(b) the details of loans  disbursed to various States including Kerala by NSTFDC during the last three years and the current year, State/scheme-wise;

(c) whether there is any instances of ST applicants for such loans being rejected summarily by the NSTFD; if so, the details thereof;

(d)  whether  the  Government  is  imparting  awareness  programs  among  ST  aspirants  about  loan schemes; and

(e) if so, the extent of the effectiveness by such programs in generation of loan application by ST aspirants?

## ANSWER

## MINISTER OF STATE FOR TRIBAL AFFAIRS (SMT. RENUKA SINGH SARUTA)

(a): The National Scheduled Tribes Finance and Development Corporation (NSTFDC), a PSU under  the  Ministry  of  Tribal  Affairs,  extends  concessional  loans  to  the  eligible  Scheduled  Tribe persons for undertaking income generation activities / self-employment as per the schematic norms. The schemes of NSTFDC are implemented across the country. The prominent schemes of NSTFDC are given as under:

Term Loan Scheme: NSTFDC provides Term Loan for viable projects costing upto ₹50.00 lakh per unit. Under the scheme, financial assistance is extended upto 90% of the cost of the project and the balance is met by way of subsidy/ promoter contribution/ margin money.

Adivasi  Mahila  Sashaktikaran  Yojana  (AMSY): This  is  an  exclusive  scheme  for  economic development of Scheduled Tribes Women. Under the scheme, NSTFDC, provides loan upto 90% for projects costing upto ₹2.00 lakh. Financial assistance under the scheme is extended at highly concessional rate of interest of 4% per annum.

Micro Credit Scheme for Self Help Groups (MCF): This is an exclusive scheme for Self Help Groups for meeting small loan requirement of ST member. Under the scheme, the Corporation provides loans upto ₹50,000/- per member and maximum ₹5 Lakh per Self Help Group (SHG).

Adivasi Shiksha Rrinn Yojana (Education Loan Scheme): This is an Education loan scheme to enable  the  ST  students  to  meet  expenditure  for  pursuing  technical  and  professional  education including Ph.D. in  India. Under this scheme,  the Corporation provides  financial assistance upto ₹10.00 lakh per  eligible  family  at  concessional  rate  of  interest  of  6%  per  annum.  The  students eligible  for  interest  subsidy  from  Ministry  of  Human  Resource  Development,  Govt.  of  India, during the moratorium period i.e. course period plus one year after completion of course or six months after getting the job, whichever is earlier.

Margin Money Support Scheme for ST Entrepreneurs: In  order to finance projects under the Stand-Up India Scheme of Government of India, a separate scheme titled 'Margin Money Support Scheme for  ST  Entrepreneurs'  has  been  formulated  in  December  2020.  Under  this  scheme,  the eligible ST Entrepreneurs are allowed to avail financial assistance of NSTFDC to the extent of 15% of the total project cost under Stand-Up India Scheme.

(b): The details of State-wise / Scheme-wise loans disbursed including state of Kerala along with number of  beneficiaries  assisted  under  NSTFDC  schemes  during  the  last  three  years  and  the  current  year  upto 28.02.2022 is given at Annexure.

(c): NSTFDC extend its loan through the implementing agencies. No instance has come to the notice of the  Ministry  of  Tribal  Affairs  where  NSTFDC  has  rejected  any  proposal  of  the  implementing  agencies fulfilling the loan disbursement criteria of NSTFDC.

(d): NSTFDC,  from  time  to  time,  in  association  with  its  implementing  agencies  conduct  Awareness Programmes for dissemination of information about NSTFDC and its schemes.

(e) : NSTFDC notionally allocates target of disbursement of funds to the States/ UTs in proportion to ST population against the fund availability. During last three financial years, NSTFDC disbursed funds exceeding the notional allocation made for the respective years, which indicates effectiveness of  Awareness  Programmes  in  generation  of  loan  applications.  The  detail  of  annual  notional allocation  and  actual  disbursement  made  during  the  last  three  years  and  current  year  upto 28.02.2022 is given below:

(₹ in crore)

| F.Y.                      |   Notional Allocation |   Disbursement |
|---------------------------|-----------------------|----------------|
| 2018-19                   |                   240 |         293.32 |
| 2019-20                   |                   240 |         285.37 |
| 2020-21                   |                   250 |         367.9  |
| 2021-22 (upto 28.02.2022) |                   250 |         178.45 |

Annexure Annexure  refer  to  Lok  Sabha  Unstarred  Question  No.  5201  for  04.04.2022  regarding  "NSTFDC"

## raised by Shri Kodikunnil Suresh.

STATE-WISE/SCHEME-WISE  DETAILS OF FUND DISBURSED DURING THE YEAR-2018-19

(Rs. In lakhs)

| Sl. No.   | Name of the State   | Term Loan   | Term Loan      | MCF      | MCF            | AMSY   | AMSY           | ASRY   | ASRY           | Total    | Total          |
|-----------|---------------------|-------------|----------------|----------|----------------|--------|----------------|--------|----------------|----------|----------------|
| Sl. No.   | Name of the State   | Amt.        | No. of benefi. | Amt.     | No. of benefi. | Amt.   | No. of benefi. | Amt.   | No. of benefi. | Amt.     | No. of benefi. |
| 1         | Andhra Pradesh      | 781.72      | 139            | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 781.72   | 139            |
| 2         | Arunachal Pradesh   | 324.25      | 3773           |          |                |        |                |        |                | 324.25   | 3773           |
| 3         | Assam               | 4.92        | 12             | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 4.92     | 12             |
| 4         | Chhattisgarh        | 497.36      | 185            | 8.91     | 150            | 24.30  | 27             | 2.98   | 1              | 533.55   | 363            |
| 5         | Gujarat             | 2329.32     | 7485           | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 2329.32  | 7485           |
| 6         | Haryana             | 0.41        | 1              |          |                |        |                |        |                | 0.41     | 1              |
| 7         | Himachal Pradesh    | 73.69       | 62             | 0.00     | 0              | 0.00   | 0              | 8.61   | 3              | 82.30    | 65             |
| 8         | Jammu& Kashmir      | 1249.50     | 327            | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 1249.50  | 327            |
| 9         | Jharkhand           | 85.70       | 5              | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 85.70    | 5              |
| 10        | Karnataka           | 26.89       | 34             |          |                |        |                |        |                | 26.89    | 34             |
| 11        | Kerala              | 135.33      | 89             | 0.00     | 0              | 8.06   | 18             | 0.00   | 0              | 143.39   | 107            |
| 12        | Madhya Pradesh      | 2014.57     | 2265           | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 2014.57  | 2265           |
| 13        | Maharashtra         | 9.43        | 11             |          |                |        |                |        |                | 9.43     | 11             |
| 14        | Meghalaya           | 546.63      | 1992           | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 546.63   | 1992           |
| 15        | Mizoram             | 4680.78     | 1801           | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 4680.78  | 1801           |
| 16        | Nagaland            | 1582.23     | 10504          | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 1582.23  | 10504          |
| 17        | Odisha              | 199.62      | 353            | 0.00     | 0              | 0.00   | 0              | 0.00   | 0              | 199.62   | 353            |
| 18        | Rajasthan           | 1279.29     | 1155           | 0.00     | 0              | 186.75 | 208            | 4.50   | 1              | 1470.54  | 1364           |
| 19        | Sikkim              | 0.92        | 1              |          |                |        |                |        |                | 0.92     | 1              |
| 20        | Tamil Nadu          | 47.32       | 65             |          |                |        |                |        |                | 47.32    | 65             |
| 21        | Telangana           | 477.15      | 417            | 10000.00 | 30000          | 0.00   | 0              | 0.00   | 0              | 10477.15 | 30417          |
| 22        | Tripura             | 851.40      | 343            |          |                |        |                | 157.60 | 86             | 1009.00  | 429            |
| 23        | Uttarakhand         | 444.47      | 169            | 0.00     | 0              | 0.45   | 1              | 0.00   | 0              | 444.92   | 170            |
| 24        | Uttar Pradesh       | 3.73        | 3              |          |                |        |                |        |                | 3.73     | 3              |
| 25        | West Bengal         | 265.34      | 172            | 949.10   | 8664           | 20.25  | 225            | 48.61  | 17             | 1283.30  | 9078           |
|           | TOTAL               | 17911.97    | 31363          | 10958.01 | 38814          | 239.81 | 479            | 222.30 | 108            | 29332.09 | 70764          |

## STATE-WISE/SCHEME-WISE  DETAILS OF FUND DISBURSED DURING THE YEAR-2019-20

(Rs. In lakhs)

| Sl. No.   | Name of the State        | Term Loan   | Term Loan      | MCF     | MCF            | AMSY   | AMSY           | ASRY   | ASRY           | Total    | Total          |
|-----------|--------------------------|-------------|----------------|---------|----------------|--------|----------------|--------|----------------|----------|----------------|
| Sl. No.   | Name of the State        | Amt.        | No. of benefi. | Amt.    | No. of benefi. | Amt.   | No. of benefi. | Amt.   | No. of benefi. | Amt.     | No. of benefi. |
| 1         | Andhra Pradesh           | 1285.03     | 276            |         |                |        |                |        |                | 1285.03  | 276            |
| 2         | Andaman& Nicobar Islands | 245.00      | 7501           |         |                |        |                |        |                | 245.00   | 7501           |
| 3         | Assam                    |             |                | 58.20   | 167            |        |                |        |                | 58.20    | 167            |
| 4         | Chhattisgarh             | 929.30      | 3786           |         |                |        |                | 2.86   | 1              | 932.16   | 3787           |
| 5         | Gujarat                  | 388.00      | 96             |         |                |        |                | 6.75   | 2              | 394.75   | 98             |
| 6         | Himachal Pradesh         | 20.83       | 25             |         |                | 20.00  | 50             |        |                | 40.83    | 75             |
| 7         | Jammu& Kashmir           | 446.25      | 135            |         |                |        |                |        |                | 446.25   | 135            |
| 8         | Jharkhand                | 611.92      | 3742           |         |                | 21.25  | 25             |        |                | 633.17   | 3767           |
| 9         | Karnataka                | 47.38       | 1911           |         |                |        |                |        |                | 47.38    | 1911           |
| 10        | Kerala                   | 114.90      | 54             | 3.51    | 13             | 9.90   | 22             |        |                | 128.31   | 89             |
| 11        | Madhya Pradesh           | 4176.26     | 13282          |         |                |        |                |        |                | 4176.26  | 13282          |
| 12        | Maharashtra              | 951.56      | 447            |         |                | 216    | 240            |        |                | 1167.56  | 687            |
| 13        | Meghalaya                | 1745.18     | 1412           |         |                |        |                |        |                | 1745.18  | 1412           |
| 14        | Mizoram                  | 4484.04     | 3084           | 1975.18 | 1586           |        |                |        |                | 6459.22  | 4670           |
| 15        | Nagaland                 | 2413.22     | 51918          |         |                |        |                |        |                | 2413.22  | 51918          |
| 16        | Odisha                   | 1654.78     | 4562           | 643.37  | 6668           |        |                |        |                | 2298.15  | 11230          |
| 17        | Rajasthan                | 1849.52     | 3480           |         |                | 460.80 | 512            | 1.07   | 1              | 2311.39  | 3993           |
| 18        | Sikkim                   | 253.30      | 100            |         |                |        |                |        |                | 253.30   | 100            |
| 19        | Tamil Nadu               | 28.5        | 2775           |         |                |        |                |        |                | 28.50    | 2775           |
| 20        | Telangana                | 30.07       | 1886           | 2710.00 | 6775           |        |                |        |                | 2740.07  | 8661           |
| 21        | Tripura                  |             |                |         |                |        |                | 71.41  | 24             | 71.41    | 24             |
| 22        | Uttarakhand              | 102.37      | 23             |         |                |        |                |        |                | 102.37   | 23             |
| 23        | West Bengal              |             |                | 453.90  | 3951           | 30.51  | 287            | 74.45  | 12             | 558.86   | 4250           |
|           | TOTAL                    | 21777.41    | 100495         | 5844.16 | 19160          | 758.46 | 1136           | 156.54 | 40             | 28536.57 | 120831         |

## STATE-WISE/SCHEME-WISE  DETAILS OF FUND DISBURSED   DURING THE YEAR-2020-21

(Rs. In lakhs)

| Sl. No.   | Name of the State   | Term Loan   | Term Loan      | MCF      | MCF            | AMSY    | AMSY           | ASRY   | ASRY           | Total    | Total          |
|-----------|---------------------|-------------|----------------|----------|----------------|---------|----------------|--------|----------------|----------|----------------|
| Sl. No.   | Name of the State   | Amt.        | No. of benefi. | Amt.     | No. of benefi. | Amt.    | No. of benefi. | Amt.   | No. of benefi. | Amt.     | No. of benefi. |
| 1         | Andhra Pradesh      |             |                | 5022.24  | 12533          |         |                |        |                | 5022.24  | 12533          |
| 2         | Arunachal Pradesh   | 794.53      | 224            | 175.99   | 211            |         |                |        |                | 970.52   | 435            |
| 3         | Assam               | 5.00        | 2              |          |                |         |                |        |                | 5.00     | 2              |
| 4         | Chhattisgarh        | 195.76      | 235            |          |                |         |                | 1.73   | 1              | 197.49   | 236            |
| 5         | Gujarat             | 1440.90     | 8230           |          |                |         |                | 1.13   | 0              | 1442.03  | 8230           |
| 6         | Himachal Pradesh    | 13.40       | 2              |          |                |         |                |        |                | 13.40    | 2              |
| 7         | Jammu& Kashmir      | 318.75      | 125            |          |                | 90.00   | 50             |        |                | 408.75   | 175            |
| 8         | Jharkhand           | 1.60        | 2              | 1000.00  | 10750          |         |                |        |                | 1001.60  | 10752          |
| 9         | Karnataka           | 2316.94     | 1905           |          |                | 792.14  | 1109           |        |                | 3109.08  | 3014           |
| 10        | Kerala              | 269.71      | 169            |          |                | 29.05   | 23             |        |                | 298.76   | 192            |
| 11        | Madhya Pradesh      | 3360.10     | 5685           |          |                |         |                |        |                | 3360.10  | 5685           |
| 12        | Maharashtra         | 37.27       | 822            |          |                |         |                |        |                | 37.27    | 822            |
| 13        | Manipur             | 62.37       | 65             |          |                |         |                |        |                | 62.37    | 65             |
| 14        | Meghalaya           | 4485.43     | 35016          |          |                |         |                |        |                | 4485.43  | 35016          |
| 15        | Mizoram             | 3324.18     | 1399           |          |                |         |                |        |                | 3324.18  | 1399           |
| 16        | Nagaland            | 1098.72     | 48240          |          |                |         |                |        |                | 1098.72  | 48240          |
| 17        | Odisha              | 126.65      | 202            | 1667.79  | 22029          | 219.98  | 250            |        |                | 2014.42  | 22481          |
| 18        | Rajasthan           | 1985.18     | 2414           |          |                |         |                |        |                | 1985.18  | 2414           |
| 19        | Sikkim              | 82.11       | 21             |          |                |         |                |        |                | 82.11    | 21             |
| 20        | Tamil Nadu          | 12.50       | 1609           |          |                |         |                |        |                | 12.50    | 1609           |
| 21        | Telangana           | 273.00      | 442            | 5086.23  | 12623          |         |                |        |                | 5359.23  | 13065          |
| 22        | Tripura             | 2134.35     | 1000           |          |                |         |                | 81.93  | 56             | 2216.28  | 1056           |
| 23        | Uttarakhand         | 6.15        | 2              |          |                |         |                |        |                | 6.15     | 2              |
| 24        | Uttar Pradesh       | 1.55        | 4              |          |                |         |                |        |                | 1.55     | 4              |
| 25        | West Bengal         |             |                | 231.20   | 2042           | 6.35    | 35             | 38.09  | 12             | 275.64   | 2089           |
|           | TOTAL               | 22346.15    | 107815         | 13183.45 | 60188          | 1137.52 | 1467           | 122.88 | 69             | 36790.00 | 169539         |

## STATE-WISE/SCHEME-WISE  DETAILS OF FUND DISBURSED DURING THE YEAR-2021-22 (AS ON 28.02.2022)

(Rs. In lakhs)

| Sl. No.   | Name of the State   | Term Loan   | Term Loan      | MCF     | MCF            | AMSY   | AMSY           | ASRY   | ASRY           | Total    | Total          |
|-----------|---------------------|-------------|----------------|---------|----------------|--------|----------------|--------|----------------|----------|----------------|
| Sl. No.   | Name of the State   | Amt.        | No. of benefi. | Amt.    | No. of benefi. | Amt.   | No. of benefi. | Amt.   | No. of benefi. | Amt.     | No. of benefi. |
| 1         | Andhra Pradesh      | 127.19      | 6              |         |                |        |                |        |                | 127.19   | 6              |
| 2         | Arunachal Pradesh   | 156.83      | 60             | 307.98  | 3920           |        |                |        |                | 464.81   | 3980           |
| 3         | Assam               |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 4         | Bihar               | 11.48       | 955            |         |                |        |                |        |                | 11.48    | 955            |
| 5         | Chhattisgarh        | 1282.29     | 565            | 225.00  | 500            | 74.06  | 41             | 0.86   | 0              | 1582.21  | 1106           |
| 6         | Gujarat             | 1556.30     | 8722           |         |                |        |                |        |                | 1556.30  | 8722           |
| 7         | Himachal Pradesh    | 14.00       | 2              |         |                |        |                |        |                | 14.00    | 2              |
| 8         | Jammu& Kashmir      | 891.25      | 211            |         |                | 86.40  | 48             |        |                | 977.65   | 259            |
| 9         | Jharkhand           | 22.00       | 853            | 1400.00 | 14670          |        |                |        |                | 1422.00  | 15523          |
| 10        | Karnataka           | 331.78      | 142            |         |                | 119.16 | 150            |        |                | 450.94   | 292            |
| 11        | Kerala              | 220.67      | 120            |         |                | 114.76 | 136            |        |                | 335.43   | 256            |
| 12        | Madhya Pradesh      | 1297.53     | 778            |         |                |        |                |        |                | 1297.53  | 778            |
| 13        | Maharashtra         | 209.06      | 7408           |         |                |        |                |        |                | 209.06   | 7408           |
| 14        | Manipur             |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 15        | Meghalaya           | 337.82      | 1148           |         |                |        |                |        |                | 337.82   | 1148           |
| 16        | Mizoram             | 4496.77     | 10108          | 953.91  | 6170           |        |                |        |                | 5450.68  | 16278          |
| 17        | Nagaland            | 693.36      | 48257          |         |                |        |                |        |                | 693.36   | 48257          |
| 18        | Odisha              |             |                | 2398.72 | 29880          |        |                |        |                | 2398.72  | 29880          |
| 19        | Rajasthan           | 10.00       | 523            |         |                |        |                |        |                | 10.00    | 523            |
| 20        | Sikkim              |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 21        | Tamil Nadu          |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 22        | Telangana           | 26.55       | 1734           |         |                |        |                |        |                | 26.55    | 1734           |
| 23        | Tripura             |             |                |         |                |        |                | 75.68  | 53             | 75.68    | 53             |
| 24        | Uttarakhand         |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 25        | Uttar Pradesh       |             |                |         |                |        |                |        |                | 0.00     | 0              |
| 26        | West Bengal         |             |                | 357.95  | 3150           | 3.34   | 31             | 42.23  | 7              | 403.52   | 3188           |
|           | TOTAL               | 11684.88    | 81592          | 5643.56 | 58290          | 397.72 | 406            | 118.77 | 60             | 17844.93 | 140348         |

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