Lok Sabha Question No. 3711 (UNSTARRED), answered on 2021-12-21
Subject: Schemes by NBCFDC
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Sangeeta Kumari Singh Deo, Jayanta Kumar Roy

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

UNSTARRED QUESTION N0.711 TO BE ANSWERED ON 21.12.2021

## SCHEMES BY NBCFDC

## 3711. SHRIMATI SANGEETA KUMARI SINGH DEO: DR: JAYANTA KUMAR ROY:

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

- (a) whether the National Backward Classes Finance & Development Corporation (NBCFDC) implements schemes for welfare of Other Backward Classes (OBCs), if so, the details of funds allocated under each scheme during the last three years, year-wise and States-wise;
- the details of the proposals received/sanctioned/ pending along with the physical progresslachievements made therein and complaints received under each of the schemes during the last three years, year-wise,state-wise;
- whether most of the backward classes have not been able to avail the schemes of NBCFDC due to lack of awareness and publicity in mass media, and
- (d) if s0, the steps taken by the Government in this regard? being

## ANSWER

## MINISTER OF SOCIAL JUSTICE AND EMPOWERMENT (DR: VIRENDRA KUMAR)

- (a): National  Backward Classes Finance and Development Corporation (NBCFDC) under the aegis of Department of Social Justice has been entrusted with the job of providing financial assistance at concessional rate of interest to the members of Backward Classes having annual family income less than Rs.3.00 lakh primarily for income generating activities to promote selfemployment opportunities and for educational purposes through State Channelizing Agencies (SCAs) nominated by respective State Governments/UTs and Banks (PSBs & RRBs)

NBCFDC implements following schemes through SCAs/anks in various States/UTs of the country for the Backward Classes

## 1. LOAN SCHEME

## TERM LOAN

- a. General Loan Scheme
- b. Education Loan Scheme
- C. New Swarnima Scheme

## B MICRO FINANCE

- a) Micro Finance Scheme
- b) Mahila Samriddhi Yojana (Micro Finance Scheme for Women)
3. Small Loan
- d) NBFC-MFI Loan

## 2. INTEREST SUBVENTION SCHEME \_ VISVAS YOJANA

During the year 2020-21, NBCFDC introduced subvention scheme- Vanchit Ikai Samooh aur Vargon ki Aarthik Sahayta (VISVAS) Yojana for the benefit of SHGs comprising of all OBC beneficiaries with loans/borrowings up to Rs.4.00 Lakh and for OBC individual beneficiaries with loan/borrowing up to Rs.2.00 Lakh. Under the said scheme eligible SHGs or Individual beneficiaries will be eligible for subvention @S% p.a.

The objective of the proposed Scheme is to provide direct benefit at lower rate of interest to the eligible Self-Help Groups (SHGs) individual beneficiaries who have availed loans through Public Sector Banks (PSBs), Regional Rural Banks (RRBs) or similar financial institutions

## 3\_ SKILL DEVELOPMENT TRAINING SCHEME (PM-DAKSH)

NBCFDC facilitates Skill Development under PM-DAKSH for the eligible members of other Backward Classes, Economically Backward Classes and De-notified nomadic & semi-nomadic Tribes through various training institutes of repute so that eligible target group could engage in developmental activities by way of selflwage employment

The details of funds allocated/released under each of the schemes during the last three years, State-wise is annexed at Annexure-A, B & C

(6): NBCFDC receives proposals of Annual Action Plan (AAP) from the SCAs/Banks which are approved subject to fulfillment of prudential norms and availability of funds The statement showing AAP received, amount approved and number of beneficiaries during last three years is such complaints on the above matter has been received in the office in said period.

(c) & (d): Sir. No such instances have come to the notice of the Corporation. No,

*****

## NATIONAL BACKWARD CLASSES FINANCE AND DEVELOPMENT CORPORATION

## STATEMENT SHOWING STATEIUT- WISE AND SCHEMEWISE DETAILS OF FUNDS ALLOCATEDIRELEASED DURING THE YEAR 2020-21

| S.N   | Name of States/UTsIPSBs   |                   |               |            | 2020-21           | 2020-21              | 2020-21    |
|-------|---------------------------|-------------------|---------------|------------|-------------------|----------------------|------------|
| S.N   | Name of States/UTsIPSBs   | Term Loan Schemes | Micro Finance | Total      | Term Loan Schemes | Micro Finance (Nos.) | Total      |
|       | STATES                    | (Rs.in Cr)        | (Rs.in Cr)    | (Rs.in Cr) | (Nos.             |                      | Nos_       |
|       | Andhra Pradesh            | 0.731             |               | 0.73       | 63                |                      | 63         |
| 2     | Andamon Nicobar           |                   | 0.00          | 0.00       |                   |                      |            |
| 3     | Assam                     | 0.31              | 1,25          | 1.56       | 64                | 3051                 | 369        |
| 4     | Bihar                     | 0.691             | 0.00          | 0.69       | 61                |                      | 61         |
| 5     | Chattisgarh               | 4,361             | 0.39          |            |                   | 62                   | 330        |
| 6     | Gujarat                   | 12.13             | 17.19         | 29.32      | 1256              |                      | 5059       |
| 7     | Goa                       |                   | 0.00          | 0.50       | 62                |                      | 62         |
| 8     | Haryana                   | 1.32              | 3.00          | 4.32       | 197               | 4761                 | 673        |
| 9     | Himachal Pradesh          | 1.80              | 1.34_         | 3.14       | 231               | 238                  | 469        |
| 10    | Jammu & Kashmir           |                   |               | 6.051      | 428               | 775                  |            |
| 11    | Jharkhand                 | 0.48              | 0.00          | 0.48       | 34                |                      | 34         |
|       | Karnataka                 |                   | 0.00          | 1,48       | 230               |                      | 230        |
| 13    | Kerala                    | 55.85             | 106.50        | 162.35     | 9460              | 36850                | 46310      |
| 14    | Madhya Pradesh            | 25.24             | 12.02         | 37.26      | 1316              | 3170                 |            |
| 15    | Maharashtra               |                   | 0.00          | 0.38       | 38                |                      | 38         |
| 16    | Manipur                   | 0.061             | 0.00          | 0.06       | 3                 |                      | 3          |
| 17    | Meghalaya                 | 0.002             | 0.00          | 0.002      |                   |                      |            |
| 18    | Mizoram                   |                   | 0.00          |            | 2                 |                      | 2          |
| 19    | Odisha                    | 0.53              | 0.00          | 0.53       | 281               |                      | 28         |
| 20    | Punjab                    | 10.89             | 7.81          | 18.70      | 1414              | 1248                 |            |
|       | Rajasthan                 |                   | 4.50          | 14.14      | 2703|        | 999                  | 3702       |
| 22    | Sikkim                    | 0.001             | 0.00          | 0.001      |                   |                      |            |
| 23    | TamilNadu                 | 14.23             | 94.00         | 108.23     | 2741              | 28936                | 31677      |
| 24    | Telangana                 | 0.16              | 24.00         | 24.161     | 35                | 60001                | 6035]      |
| 25    | Tripura                   | 2.46              | 7.701         | 10.16      | 257               | 2008|           |            |
| 26    | Uttar Pradesh             | 18.90             | 17.00         | 35.90      |                   |                      | 5273       |
| 27    | Uttrakhand                | 0.251             | 0.00          | 0.25       | 20                |                      | 20         |
| 28    | West Bengal               |                   | 0.001         | 0.12       |                   |                      | 13         |
| 27    | Chandigarh                |                   |               |            |                   |                      | 173        |
|       | Sub Total States          | 165.34            | 299.95        |            | 23139             | 879301               | 111069     |
|       | UIs                       | 0.01              |               | 0.011      | 5                 |                      | 5          |
| 28    | Delhi                     | 0.58 0.04         | 0.80          | 0.04       | 14                |                      | 14         |
| 29    | Puducherry                |                   |               | 1.38       | 73                | 100                  |            |
|       | Sub Total Uts 27 to 29)   |                   | 0.80          | 1.43       | 92                |                      | 192 111261 |
|       | TOTAL (I + I)             | 165.97            |               | 466.71     | 23231             | 88030                |            |

## National Backward Classes Finance and Development Corporation Physical and Financial Achievements from 2018-19 to 2020-21 (Skill Development Training Programmes)

| SI: No.   | Name of the State/UTs   | 2018-19         | 2018-19                         | 2019-20         | 2019-20                         | 2020-21   | 2020-21                         |
|-----------|-------------------------|-----------------|---------------------------------|-----------------|---------------------------------|-----------|---------------------------------|
| SI: No.   | Name of the State/UTs   | No. of Trainees | Amount Allocated (Rs. In lakhs) | No. of Trainees | Amount Allocated (Rs. In lakhs) | Trainees  | Amount Allocated (Rs. In lakhs) |
|           | Andhra Pradesh          | 4946            | 172.41                          | 907             | 152.38                          | 410       | 42.46                           |
| 2         | Assam                   |                 | 293.68                          | 3484            | 857.86                          |           | 87.46                           |
| 3         | Bihar                   | 520             | 110.64                          | 1130            | 236.34                          | 1003      | 116.68                          |
| 4         | Chandigarh              |                 |                                 | 60              | 9                               | 0         |                                 |
| 5         | Chhatisgarh             | 490             | 61.49                           | 694             | 127.28                          | 440       | 56.30                           |
| 6         | Delhi                   | 6391            | 58.951                          |                 | 55.17                           | 244       | 46.16                           |
| 7         | Goa                     | 100             | 9.08                            | 0               |                                 |           |                                 |
| 8         | Gujarat                 | 480             | 79.21                           | 776             | 175.16                          | 803       | 118.89                          |
| 9         | Haryana                 | 1734            | 228.56                          |                 | 378.62                          | 664       | 94.25]                          |
|           | Himachal Pradesh        |                 |                                 | 860             | 191.97                          | 120       |                                 |
|           |                         | 560             | 7951                            |                 | 107.14                          | 440       | 74.68]                          |
|           | Laddakh                 |                 |                                 |                 |                                 | 60        | 11.61                           |
| 13        | Jharkhand               | 500             | 35391                           | 570             | 104.26                          | 200       | 25.42                           |
| 14        | Karnataka               | 5591            | 55.29                           | 204             | 28.62                           | 458       | 62.59                           |
|           | Kerala                  | 580             | 65.2                            | 1609            | 291.67                          | 519       | 76.71                           |
| 16        | Madhya Pradesh          | 2187            |                                 | 2259            | 392.59                          | 1313      | 246.35                          |
| 17        | Maharashtra             | 660             |                                 | 4359            |                                 | 1047      | 135.43                          |
| 18        | Manipur                 | 657             | 104.59                          | 536             | 238.44                          | 181       | 36.67                           |
| 19        | Meghalaya               | 150             | 17.64                           | 200             |                                 | 60        | 2.99                            |
| 20        | Mizoram                 |                 |                                 | 60              | 14.75                           | 0         |                                 |
|           | Odisha                  | 956             |                                 | 1606]           | 373.26]                         | 357       | 46.52                           |
| 22        | Punjab                  | 1700            | 2423                            |                 |                                 |           | 77.30                           |
| 23        | Rajasthan __            | 290             | 34.86]                          | 1067            | 226.50                          | 846       |                                 |
| 24        | Sikkim                  | 420             | 50.88                           | 340             | 62.40                           | 160       | 25.48                           |
| 25        | Tamil Nadu              | 570             | 51.76                           | 1391            | 206.22                          | 756       | 96.05                           |
| 26        | Telangana               | 410             | 56.13                           | 270             | 62.54                           | 250       | 26.20                           |
| 27        | Tripura                 |                 | 144.04                          | 1330            | 265.1                           | 30        | 2.57                            |
| 28        | Uttar Pradesh           | 2773            | 327.39                          | 3988            | 626.06                          | 2616      | 306.45]                         |
| 29        | Uttarakhand             | 750             | 76.93                           |                 | 14.50                           |           | 88.78                           |
| 30        | West Bengal             | 919             | 91.82                           | 1597            | 265.09                          | 6491      |                                 |
|           | Total                   | 25040           | 3086.86]                        | 30491           | 6016.59                         | 15750]    | 2115.00                         |

## Nationa Backward Classes Finance and Development Corporation Statewise Amount Subvented under VISVAS Yojana during 2020-21

|                | 2020-2021                      | 2020-2021          |
|----------------|--------------------------------|--------------------|
| State          | SUBVENTION AMOUNT (Rs in Lakh) | Beneficiary (Nos.) |
| ANDHRA PRADESH | 0.00                           | 0                  |
| ASSAM          | 0.00                           |                    |
| BIHAR          | 0.32                           | 328                |
| GUJARAT        | 0.07                           | 6                  |
| HARYANA        | 0.08                           | 2                  |
|                | 0.04                           | 6                  |
| KARNATAKA      | 0.11                           | 134                |
| KERALA         | 0.00                           | 0                  |
| MADHYA PRADESH | 31.48                          | 2750               |
| MAHARASHTRA    | 0.00                           | 10                 |
| ODISHA         | 0.00                           | 0                  |
| PUNJAB         | 0.10                           | 11                 |
| RAJASTHAN      | 0.29                           | 40                 |
| TAMIL NADU     | 0.00                           | 0                  |
| TELANGANA      | 5.92                           | 594                |
| UTTAR PRADESH  | 62.59                          | 2862               |
| WEST BENGAL    | 0.00                           |                    |
| Total          | 101.02                         | 6743               |

Annexure-D

| National Backward Classes Finance and Development Corporation (NBCFDC) Notional Allocation, AAP received, AAP Approved, No. of Beneficiaries during 2020-21 Statement showing (Rs./Lakh)   | National Backward Classes Finance and Development Corporation (NBCFDC) Notional Allocation, AAP received, AAP Approved, No. of Beneficiaries during 2020-21 Statement showing (Rs./Lakh)   | National Backward Classes Finance and Development Corporation (NBCFDC) Notional Allocation, AAP received, AAP Approved, No. of Beneficiaries during 2020-21 Statement showing (Rs./Lakh)   | National Backward Classes Finance and Development Corporation (NBCFDC) Notional Allocation, AAP received, AAP Approved, No. of Beneficiaries during 2020-21 Statement showing (Rs./Lakh)   | National Backward Classes Finance and Development Corporation (NBCFDC) Notional Allocation, AAP received, AAP Approved, No. of Beneficiaries during 2020-21 Statement showing (Rs./Lakh)   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| SNo_                                                                                                                                                                                       | Name of the State/UT                                                                                                                                                                       | AAP Received (Rs. In Lakh)                                                                                                                                                                 | AAP Approved (Rs. In Lakh)                                                                                                                                                                 | No. of Benef_                                                                                                                                                                              |
|                                                                                                                                                                                            | States                                                                                                                                                                                     | 2500.00                                                                                                                                                                                    | 2500.00                                                                                                                                                                                    | 10000.00                                                                                                                                                                                   |
|                                                                                                                                                                                            | Andhra Pradesh                                                                                                                                                                             | 2500.00                                                                                                                                                                                    | 2500.00                                                                                                                                                                                    | 5000                                                                                                                                                                                       |
|                                                                                                                                                                                            | [Telangana                                                                                                                                                                                 | 0.00                                                                                                                                                                                       | 0.001                                                                                                                                                                                      |                                                                                                                                                                                            |
|                                                                                                                                                                                            | Bihar Chhatisgarh_                                                                                                                                                                         | 1322.75                                                                                                                                                                                    | 1100.00                                                                                                                                                                                    | 945                                                                                                                                                                                        |
|                                                                                                                                                                                            |                                                                                                                                                                                            |                                                                                                                                                                                            | 135.00                                                                                                                                                                                     |                                                                                                                                                                                            |
| 5                                                                                                                                                                                          | Goa                                                                                                                                                                                        | 10683.39                                                                                                                                                                                   | 8750.00                                                                                                                                                                                    | 9493                                                                                                                                                                                       |
|                                                                                                                                                                                            | Gujarat_                                                                                                                                                                                   | 2125.21                                                                                                                                                                                    | 1500.00                                                                                                                                                                                    | 2600                                                                                                                                                                                       |
|                                                                                                                                                                                            | Haryana_                                                                                                                                                                                   | 500.00                                                                                                                                                                                     |                                                                                                                                                                                            | 573                                                                                                                                                                                        |
|                                                                                                                                                                                            | Himachal _Pradesh_                                                                                                                                                                         | 0.00                                                                                                                                                                                       |                                                                                                                                                                                            |                                                                                                                                                                                            |
|                                                                                                                                                                                            | Jharkhand                                                                                                                                                                                  | 0.00                                                                                                                                                                                       | 0.00                                                                                                                                                                                       |                                                                                                                                                                                            |
| 10                                                                                                                                                                                         | Karnataka                                                                                                                                                                                  | 20309.10                                                                                                                                                                                   | 19800.00                                                                                                                                                                                   | 65035                                                                                                                                                                                      |
| 11                                                                                                                                                                                         | KKerala                                                                                                                                                                                    | 6000.00                                                                                                                                                                                    | 6000.00                                                                                                                                                                                    |                                                                                                                                                                                            |
| 12                                                                                                                                                                                         | Madhya Pradesh                                                                                                                                                                             | 0.00                                                                                                                                                                                       | 0.001                                                                                                                                                                                      |                                                                                                                                                                                            |
| 13                                                                                                                                                                                         | Maharashtra                                                                                                                                                                                | 0.00                                                                                                                                                                                       | 0.00                                                                                                                                                                                       |                                                                                                                                                                                            |
| 14                                                                                                                                                                                         | Odisha                                                                                                                                                                                     | 1850.00                                                                                                                                                                                    | 1850.00                                                                                                                                                                                    | 2840                                                                                                                                                                                       |
| 15                                                                                                                                                                                         | Punjab                                                                                                                                                                                     | 1800.00                                                                                                                                                                                    | 1500.00                                                                                                                                                                                    | 2800                                                                                                                                                                                       |
| 16                                                                                                                                                                                         | Rajasthan Tamil Nadu                                                                                                                                                                       | 9383.50                                                                                                                                                                                    |                                                                                                                                                                                            | 24100                                                                                                                                                                                      |
| 17                                                                                                                                                                                         |                                                                                                                                                                                            | 115.401                                                                                                                                                                                    | 100.00                                                                                                                                                                                     |                                                                                                                                                                                            |
| 18                                                                                                                                                                                         | Uttarakhand_                                                                                                                                                                               | 7000.001                                                                                                                                                                                   | 4800.00                                                                                                                                                                                    | 4950                                                                                                                                                                                       |
| 19                                                                                                                                                                                         | Uttar Pradesh West                                                                                                                                                                         | 840.00                                                                                                                                                                                     | 840.00                                                                                                                                                                                     | 2904                                                                                                                                                                                       |
| 20                                                                                                                                                                                         | Bengal Union Territories                                                                                                                                                                   |                                                                                                                                                                                            |                                                                                                                                                                                            |                                                                                                                                                                                            |
| 21                                                                                                                                                                                         | Chandigarh                                                                                                                                                                                 | 29.00                                                                                                                                                                                      | 29.00                                                                                                                                                                                      | 72                                                                                                                                                                                         |
| 22                                                                                                                                                                                         | Delhi                                                                                                                                                                                      | 134.00                                                                                                                                                                                     |                                                                                                                                                                                            |                                                                                                                                                                                            |
| 23                                                                                                                                                                                         | Jammu & Kashmir                                                                                                                                                                            | 1115.50                                                                                                                                                                                    | 650.00                                                                                                                                                                                     | 1080                                                                                                                                                                                       |
|                                                                                                                                                                                            | Puducherry _                                                                                                                                                                               | 499.961                                                                                                                                                                                    | 22.00                                                                                                                                                                                      | 43                                                                                                                                                                                         |
| 24 b                                                                                                                                                                                       | North East                                                                                                                                                                                 | 1160.00                                                                                                                                                                                    | 1150.00                                                                                                                                                                                    | 2115                                                                                                                                                                                       |
| 25                                                                                                                                                                                         | Assam (ARTFED)                                                                                                                                                                             | 0.00                                                                                                                                                                                       | 0.00                                                                                                                                                                                       |                                                                                                                                                                                            |
| 26                                                                                                                                                                                         | Manipur                                                                                                                                                                                    |                                                                                                                                                                                            | 440.00                                                                                                                                                                                     | 600                                                                                                                                                                                        |
| 27                                                                                                                                                                                         | Sikkim                                                                                                                                                                                     | 442.001                                                                                                                                                                                    | 3350.00                                                                                                                                                                                    | 3550                                                                                                                                                                                       |
| 28                                                                                                                                                                                         | Tripura                                                                                                                                                                                    | 6110.50                                                                                                                                                                                    |                                                                                                                                                                                            |                                                                                                                                                                                            |
|                                                                                                                                                                                            | PSB                                                                                                                                                                                        | 8000.00                                                                                                                                                                                    | 8000.00                                                                                                                                                                                    | 9100                                                                                                                                                                                       |
|                                                                                                                                                                                            | Bank of Baroda                                                                                                                                                                             | 0.00                                                                                                                                                                                       |                                                                                                                                                                                            | 0                                                                                                                                                                                          |
|                                                                                                                                                                                            | Canara Bank                                                                                                                                                                                | 3000.001                                                                                                                                                                                   | 3000.00                                                                                                                                                                                    | 3000                                                                                                                                                                                       |
| 3                                                                                                                                                                                          | Punjab National Bank                                                                                                                                                                       |                                                                                                                                                                                            |                                                                                                                                                                                            | 156270                                                                                                                                                                                     |
|                                                                                                                                                                                            | Total Basis of Allocation                                                                                                                                                                  | 87555.17 Notional Allocation is made on the basis of total Population a5 per Census 2011 and past performance of SCA                                                                       | 78650.00                                                                                                                                                                                   |                                                                                                                                                                                            |