Lok Sabha Question No. 5422 (UNSTARRED), answered on 2025-04-03
Subject: National Scheduled Tribes Finance and Development Corporation
Ministry: TRIBAL AFFAIRS
Asked by: Shri Prabhakar Reddy Vemireddy

## GOVERNMENT OF INDIA MINISTRY OF TRIBAL AFFAIRS

## LOK SABHA UNSTARRED QUESTION No. 5422

TO BE ANSWERED ON: 03.04.2025

## NATIONAL SCHEDULED TRIBES FINANCE AND DEVELOPMENT CORPORATION

## 5422. SHRI PRABHAKAR REDDY VEMIREDDY :

Will the Minister of TRIBAL AFFAIRS be pleased to state:

- (a)  the  details  of  the  schemes  being  implemented  by  National  Scheduled  Tribes  Finance  and  Development Corporation (NSTFDC) for income generation and self-employment of tribals;
- (b) the extent to which Adivasi Mahila Sashaktikaran Yojana is helping tribal women along with details of the loans given to tribal women in Andhra Pradesh during the last five years and the current year, year and districtwise;
- (c) whether it is true that the loan is provided only up to Rupees two lakhs and there have been demands for increasing the same; and
- (d) if so, the details thereof along with the steps taken/proposed to be taken by the Government to increase the loan amount to Rupees ten lakhs?

## 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 through State Channelising Agencies (SCAs) for undertaking income generation activities/ self-employment under its various schemes. The detail of schemes under which the loans are being extended is given below:

Term Loan Scheme: NSTFDC provides Term Loan for viable projects costing upto ₹50 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 lakh.

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 (ASRY): 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. The students are eligible for interest subsidy from Ministry of Education, 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.

(b) Under  the  scheme  of  Adivasi  Mahila  Sashaktikaran  Yojana  (AMSY),  NSTFDC  has  not  received  any proposal  from  the  state  of  Andhra  Pradesh  during  the  last  five  years  and  current  year  (upto  28.03.2025).

However, the Corporation has assisted women under Micro Credit Scheme for SHG members through Stree Nidhi Credit Co-Operative Federation, working exclusively for women SHGs. The detail of women assisted in the State of Andhra Pradesh under Micro Credit Scheme for SHGs during the last five years and current year up to 28.03.2025 is given below:

|   S. No. | Financial Year             |   No. of Women Beneficiaries |
|----------|----------------------------|------------------------------|
|        1 | 2019-20                    |                           25 |
|        2 | 2020-21                    |                        12806 |
|        3 | 2021-22                    |                         2004 |
|        4 | 2022-23                    |                        11787 |
|        5 | 2023-24                    |                        24792 |
|        6 | 2024-25 (Up to 28.03.2025) |                        12000 |

(c) to (d) NSTFDC has not received any proposals from the implementing agencies regarding increase in the quantum of loan limit under Adivasi Mahila Sashaktikaran Yojana (AMSY).

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