Lok Sabha Question No. 655 (UNSTARRED), answered on 2024-02-06
Subject: New Swarnima Loan Scheme
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Jayant Sinha

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

UNSTARRED QUESTION NO.655 TO BE ANSWERED ON 06.02.2024

## NEW SWARNIMA LOAN SCHEME

## 655. SHRI JAYANT SINHA:

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

- (a) the details and  salient  features of the New Swarnima Loan Scheme of the National Backward Classes Finance and Development Corporation (NBCFDC);
- (b) the total number of beneficiaries under the scheme, State-wise including district-wise in Jharkhand; and
- (c) the details of funds allocated and utilised under the said scheme?

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

- (a): The details and salient features of the New Swarnima Loan Scheme of the 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 5 years and current year State/UT-wise including Jharkhand is attached at Annexure-B

District-wise data is not maintained by NBCFDC.

- (c): The details of funds allocated/disbursed and utilized under the loan schemes including New Swarnima Scheme upto 25.01.2024 is attached at Annexure-C.

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## The details

## Obiectives

Inculcating the spirit of self-dependenceamong the women of Backward Classes under Term Loan.

- 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

- 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 0n the projects upto cost of Rs.2,00,000/ -

Maximum Loan Amount

Rs. 2.00 Lakh (per beneficiary)

## Pattern of Financing

1. NBCFDC Loan

95%

2. Channel Partner Contribution

05%

## Rate\_gf Interest

1. From NBCFDC to Channel Partner

2%/ p.a:

2. From Channel Partner to beneficiary

5% p.a

## Repayment

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

## "NEW SWARNIMA SCHEME FOR WOMEN"

## Annexure-A

## Total Number\_of\_beneficiaries assisted under\_New Swarnima Scheme during

| S: No.   | Name of State/UT   | 2018-49   | 2019-20   | 2020-21   | 2021-22   | 2022-23   | 2023-24 (as on 25.01.2024)   |
|----------|--------------------|-----------|-----------|-----------|-----------|-----------|------------------------------|
| S: No.   | Name of State/UT   | (Nos:)    | (Nos: )   | (Nos:)    | (Nos:)    |           |                              |
|          | Andhra Pradesh     |           | 39        | 15        |           |           |                              |
| 2_       | Andaman & Nicobar  |           |           |           |           |           |                              |
| 3_       | Assam              |           | 9         | 61        |           |           |                              |
| 4_       | Bihar              |           | 46        |           |           |           |                              |
| 5_       | Chandigargh_       |           |           |           |           |           |                              |
| 6_       | Chhattisgarh       | 14        | 21        | 20        |           |           |                              |
|          | Delhi              |           |           | 34        | 5         |           |                              |
| 8.       | Goa                |           |           | 50        |           | 25        |                              |
| 9        | Gujarat            | 239       | 116       | 230       | 280       | 180       |                              |
| 10.      | Haryana            | 400       | 21        |           | 100       |           |                              |
|          | Himachal Pradesh   |           | 8         | 8         | 50        | 250       |                              |
| 12       | Jammu & Kashmir    | 48        | 200       | 160       | 275       | 100       |                              |
| 13.      | Jharkhand          |           | 12        |           |           |           |                              |
| 14.      | Karnataka          |           | 226       | 72        |           |           |                              |
| 15.      | Kerala             | 880       | 749       | 2020      | 5420      | 3940      |                              |
| 16.      | Madhya Pradesh     | 128       | 218       | 37        |           |           |                              |
| 17.      | Maharashtra        |           | 43        | 6         |           |           |                              |
| 1&.      | Manipur            |           |           |           |           |           |                              |
| 19       | Odisha             |           | 34        |           |           |           |                              |
| 20.      | Punjab             | 320       | 348       | 541       | 1434      | 678       | 316                          |
| 21.      | Puduchenry         |           | 6         |           |           |           |                              |
|          | Rajasthan          | 222       | 937       | 553       |           |           |                              |
|          | Tamil Nadu         | 433       | 733       | 2040      |           |           | 876                          |
| 24.      | Telangana          |           | 12        | 7         |           |           |                              |
| 25 ,     | Tripura            | 385       |           |           |           |           |                              |
| 26.      | Uttar Pradesh      | 528       | 147       | 335       | 200       | 400       |                              |
| 27.      | Uttarakhand        | 10        | 7         |           |           |           |                              |
| 28.      | West Bengal_       |           | 4         |           |           |           |                              |
|          | Total              | 3616      | 3938      | 6193      | 7764      | 5573      | 1211                         |

## Swarnima Scheme upto\_25.01.2024

|    | Name of State[UTsPSBs     | Cumulative (upto 25.01.2024)   | Cumulative (upto 25.01.2024)   |
|----|---------------------------|--------------------------------|--------------------------------|
|    | STATES                    | Fund Allocated/Disbursred      | Fund Utilised                  |
|    | Andhra Pradesh            | 268.12                         | 253.00                         |
| 2  | Arunachal Pradesh         | 0.00                           | 0.00                           |
|    | Assam                     | 77.79                          | 77.29                          |
|    | Bihar                     | 59.13                          | 59.13                          |
| ;  | Chattisgarh               | 73.00                          | 73.00                          |
|    | Goa                       | 28.63                          | 27.75                          |
|    | Gujarat                   | 315.82                         | 315.60                         |
|    | Haryana                   | 145.11                         | 142.72                         |
|    | Himachal Pradesh          | 105.79                         | 104.08                         |
| 10 | Jharkhand                 |                                | 22.72                          |
| 11 | Karnataka                 | 488.61                         | 488.42                         |
| 12 | Kerala                    | 2256.76                        | 2236.63                        |
| 13 | Madhya Pradesh            | 205.22                         | 205.22                         |
| 14 | Maharashtra               | 258.27                         | 257.62                         |
| 15 | Manipur                   | 26.81                          | 26.81                          |
| 16 | Meghalaya                 | 0.05                           | 0.05                           |
| 17 | Mizoram                   | 0.02                           | 0.02                           |
| 18 | Nagaland                  | 0.08                           | 0.08                           |
|    | Odisha                    | 19.65                          | 19.65                          |
| 20 | Punjab                    | 205.16                         | 199.09                         |
| 21 | Rajasthan                 |                                | 142.84                         |
| 22 | Sikkim                    | 32.59                          | 31.49                          |
| 23 | TamiINadu                 | 1212.22                        | 1206.19                        |
| 24 | Telangana                 | 29.88                          | 29.88                          |
| 25 | Tripura                   | 196.48                         | 190.44                         |
| 26 | Uttar Pradesh             | 465.78                         | 460.27                         |
| 27 | Uttrakhand                | 9.88                           | 9.88                           |
| 28 | West Bengal               | 110.26                         | 110.26                         |
|    | Sub Total States 1 to 28) | 6762.91                        | 6690.16                        |
|    | UTs                       |                                |                                |
| 29 | A&N Islands               | 0.05                           | 0.05                           |
| 30 | Chandigarh_               |                                | 1.33                           |
| 31 | D&N Haveli                | 0.05                           | 0.05                           |
| 32 | Daman & Diu               | 0.00                           | 0.00                           |
| 33 | NCT of Delhi              | 6.07                           | 6.07                           |
| 34 | Jammu & Kashmir           | 51.66                          | 48.97                          |
| 35 | Lakshadweep               | 0.00                           | 0.00                           |
| 36 | Puducherry                | 79.97                          | 79.97                          |
|    | Sub Total 29 to 36)       | 139.16                         | 136.42                         |
|    | Total (Ito MI)            | 6902.07                        | 6826.58                        |

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