Lok Sabha Question No. 3098 (UNSTARRED), answered on 2025-08-07
Subject: Schemes under NSTFDC
Ministry: TRIBAL AFFAIRS
Asked by: Shri Arvind Dharmapuri

## GOVERNMENT OF INDIA MINISTRY OF TRIBAL AFFAIRS

## LOK SABHA UNSTARRED QUESTION NO. 3098

TO BE ANSWERED ON 07.08.2025

## SCHEMES UNDER NSTFDC

## 3098. SHRI ARVIND DHARMAPURI:

Will the Minister of TRIBAL AFFAIRS be pleased to state:

- (a) the details of various schemes being implemented under the National Scheduled Tribes Finance and Development Corporation (NSTFDC) along with the number of the said schemes currently operational in Telangana;
- (b) the funds allocated by NSTFDC for implementation of these schemes in Telangana and the actual amount disbursed to beneficiaries during the last five years;
- (c) the total number of tribal beneficiaries received assistance under these NSTFDC schemes in Telangana since 2020, year-wise and the manner in which these figures compare with the national totals during the same period; and
- (d) the eligibility criteria prescribed for beneficiaries to avail financial assistance under the various NSTFDC schemes?

## ANSWER

## MINISTER OF STATE FOR TRIBAL AFFAIRS (SHRI DURGADAS UIKEY)

- (a) National Scheduled Tribes Finance and Development Corporation (NSTFDC), a Central Public Sector  Enterprise  (CPSE)  under  the  Ministry  of  Tribal  Affairs,  provides  credit  linkage  by extending  concessional  loans  to  the  eligible  Scheduled  Tribe  persons  for  undertaking  income generation activities/ self-employment under its various schemes. The schemes are implemented across the country including the state of Telangana. The detail of schemes is given below:
- i. Term Loan scheme :  NSTFDC provides Term Loan for any viable income generation scheme costing upto ₹50.00 lakhs per unit. The financial assistance is extended upto 90% of the cost of the scheme and the balance is met by way of subsidy/ promoter's contribution/ margin money. The maximum loans are given at interest rate of 6% p.a.
- ii. Adivasi Mahila Sashaktikaran Yojana (AMSY) : Under the scheme, Scheduled Tribes women can undertake any viable income generation activity costing upto ₹2 lakh per unit. Loans upto 90% of the project cost are provided under this scheme at a concessional rate of 4% interest p.a.
- iii. Micro Credit Scheme for Self Help Groups : The Corporation provides loan of ₹5 Lakhs per Self Help Group (SHG) and upto ₹50,000/- per member. The interest rate chargeable is 6% p.a.
- iv. Adivasi  Shiksha  Rrinn  Yojana  (Education  Loan) :  Under  this  scheme,  financial assistance upto ₹10.00 lakh at concessional rate of interest of 6% per annum is provided to ST  students  for  pursuing  professional/  technical  education  including  Ph.D.  in  India. Ministry of Education, Govt. of India provides interest subsidy for this scheme, whereby, no interest is payable by the student during the course period and one year or six months after getting job, whichever is earlier.
- (b)  &  (c)  The  detail  of  disbursement  done  and  number  beneficiaries  assisted  in  the  state  of Telangana vis-à-vis All India, during last five years, is given below:

| Year    |   Disbursement in Telangana (₹ in lakh) |   No. of beneficiaries (Telangana) |   No. of beneficiaries (All India) |
|---------|-----------------------------------------|------------------------------------|------------------------------------|
| 2020-21 |                                 5359.23 |                              13065 |                             169539 |
| 2021-22 |                                 3111.55 |                               9355 |                             165101 |
| 2022-23 |                                 4583.99 |                              11861 |                              72992 |
| 2023-24 |                                 3218.52 |                              11369 |                              95142 |
| 2024-25 |                                 5174.31 |                              10777 |                              88758 |

(d) The eligibility criteria for availing financial assistance from NSTFDC is as under:

## I.    Individuals / Self Help Groups:

-  All applicant(s)/ member(s) should belong to the Scheduled Tribes Community.
-  Annual family income of the applicant(s) should not exceed ₹3.00 lakh p.a. both for rural and urban areas.

II.   Co-operative Society(ies): Minimum 80% or more members should belong to Scheduled Tribes Community and annual family income of the applicant(s) should not exceed ₹3.00 lakh p.a.  In  case  of  change  in  membership,  the  said  Co-operative  Society  shall  ensure  that percentage of ST members does not fall below 80% during the currency of the NSTFDC loan.

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