Lok Sabha Question No. 2748 (UNSTARRED), answered on 2023-12-19
Subject: New Swarnima Loan Scheme
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Dharmendra Kumar Kashyap, Umesh G. Jadhav, Arvind Kumar Sharma, Parbatbhai Savabhai Patel, Ratansinh Magansinh Rathod, Pallab Lochan Das

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

UNSTARRED QUESTION NO.2748 TO BE ANSWERED ON 19.12.2023

## NEW SWARNIMA LOAN SCHEME

2748. SHRI DHARMENDRA KASHYAP:

DR UMESH G. JADHAV:

DR. ARVIND KUMAR SHARMA:

SHRI PARBATBHAI SAVABHAI PATEL:

SHRI RATANSINH MAGANSINH RATHOD:

SHRI PALLAB LOCHAN DAS:

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

(a) the details of the New Swarnima Loan Scheme of the National Backward Classes Finance and Development Corporation (NBCFDC); and

(b) the total number of beneficiaries under the scheme during the last three years, State-wise?

## ANSWER

## MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT (SUSHRI PRATIMA BHOUMIK)

(a): The details of the New Swarnima Loan Scheme of National Backward Classes Finance and Development Corporation (NBCFDC) is appended at Annexure-A

(b): The total number of beneficiaries assisted under the scheme during last three years StatelUT wise is at Annexure-B.

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## Obiectives

Inculcating the spirit of self-dependence among the women of Backward Classes under Term Loan

## Eligibility

- The women belonging to Backward Classes as notified by the Central/ State Governments from time to time shall be eligible for loan under this scheme.
- Applicant' s annual family income should be less than Rs.3.00 Lakh:

## Salient Features

- The target group of the *New Swarnima" scheme of NBCFDC is the women belonging to Backward Classes having annual family income less than Rs.3.00 Lakh:
- The rate of interest on the amount of loan is less as compared to the general loan scheme of the Corporation.
- The beneficiary women is not required to invest any amount of her own on the projects up to cost of Rs.2,00,000/-.

Rs. 2.00 Lakh (per beneficiary)

## Pattern of Financing

- NBCFDC Loan

95%

2. Channel Partner Contribution

05%

## Rate @f Interest

- 1 . From NBCFDC to Channel Partner

2% p.a.

2. From Channel Partner to beneficiary

## Repayment

Loan is to be in quarterly instalments with maximum 8 years (including the moratorium period of six months on the recovery of principal) repaid

## The total number of beneficiaries assisted under New Swarnima Scheme during the last 3 years StatefUT-wise

|     | Name of StatelUT   | 2020-21 (Nos:)   | 2021-22 (Nos:)   | 2022-23 (Nos:)   |
|-----|--------------------|------------------|------------------|------------------|
| 1   | Andhra Pradesh     | 15               |                  |                  |
| 2   | Assam              | 61               |                  |                  |
| 3_  | Bihar              |                  |                  |                  |
| 4   | Chandigarh         |                  |                  |                  |
| 5_  | Chhattisgarh       | 20               |                  |                  |
| 6.  | Delhi              | 34               | 5                |                  |
| 7   | Goa                | 50               |                  | 25               |
|     | Gujarat            | 230              | 280              | 180              |
| 9   | Haryana            |                  | 100              |                  |
| 10_ | Himachal Pradesh   | 8                | 50               | 250              |
| 11_ | Jammu & Kashmir    | 160              | 275              | 100              |
| 12  | Jharkhand          | 1                |                  |                  |
| 13_ | Karnataka          | 72               |                  |                  |
| 14_ | Kerala             | 2020             | 5420             | 3940             |
| 15. | Madhya Pradesh     | 37               |                  |                  |
| 16  | Maharashtra        | 6                |                  |                  |
| 17. | Manipur            | 1                |                  |                  |
| 18. | Odisha             |                  |                  |                  |
| 19. | Punjab             | 541              | 1434             | 678              |
| 20  | Rajasthan          | 553              |                  |                  |
| 21  | Tamil Nadu         | 2040             |                  |                  |
| 22. | Telangana          |                  |                  |                  |
| 23. | Uttar Pradesh      | 335              | 200              | 400              |
|     |                    | 6193             | 7764             | 5573             |
|     | Total              |                  |                  |                  |