Lok Sabha Question No. 1322 (UNSTARRED), answered on 2024-07-30
Subject: New Swarnima Loan Scheme
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Shri Biplab Kumar Deb

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

UNSTARRED QUESTION NO.1322 TO BE ANSWERED ON 30.07.2024

## NEW SWARNIMA LOAN SCHEME

## 1322 SHRI BIPLAB KUMAR DEB:

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

- (a) the details of the New Swarnima Loan Scheme in Tripura of the National Backward Classes Finance and Development Corporation (NBCFDC); and
- (b) the total number of beneficiaries under the Scheme, State-wise, including the State of Tripura?

## ANSWER MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT (SHRI B.L. VERMA)

- (a): The Ministry of Social Justice and Empowerment through National Backward Classes Finance and Development Corporation (NBCDC) implements New Swarnima Loan Scheme. The details of scheme is appended at Annexure-A.
- (b): The total number of beneficiaries assisted under the scheme, state-wise, including the State of Tripura during last 3 years are at Annexure-B.

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## ANNEXURE-A to the reply of Part (A) of Lok Sabha Unstarred Question No. 1322

## "NEW SWARNIMA SCHEME FOR WOMEN"

## Objectives

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 upto cost of Rs.2,00,000/-.

Maximum Loan Amount :

Rs. 2.00 Lakh (per beneficiary)

## Pattern of Financing

1. NBCFDC Loan 2. Channel Partner Contribution :

95%

05%

## Rate of Interest

1. From NBCFDC to Channel Partner

2. From Channel Partner to beneficiary :

2% p.a.

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).

## ANNEXURE-B to the reply of Part (b) of Lok Sabha Unstarred Question No. 1322

The total number of beneficiaries assisted under 'New Swarnima Loan Scheme', state-wise, including the State of Tripura during last 3 years

| SI.No.   | Name of State/UTs                    | 2021-22   | 2022-23   | 2023-24   |
|----------|--------------------------------------|-----------|-----------|-----------|
| SI.No.   | STATES                               | Nos.      | Nos.      | Nos.      |
|          | Andhra Pradesh                       |           |           |           |
|          | Arunachal Pradesh                    |           |           |           |
|          | Assam                                |           |           |           |
|          | Bihar                                |           |           |           |
|          | Chattisgarh                          |           |           |           |
| tnor     | Goa                                  |           |           |           |
|          | Gujarat                              |           |           |           |
| 8        | Haryana                              |           |           |           |
| 9        | Himachal Pradesh                     | 50        |           |           |
| 10       | Jharkhand                            |           |           |           |
| 11       | Karnataka                            |           | 00        |           |
| 12       | Kerala                               | 5420      | 39 +0     |           |
| 13       | Madhya Pradesh                       |           |           | 0         |
| 14       | Maharashtra                          |           |           | 0         |
| 15       | Manipur                              |           | 0         | 0         |
| 16       | Meghalaya                            |           | 0         | 0         |
| 17       | Mizoram                              |           | 0         | 0         |
| 18       | Nagaland                             |           | 0         | 0         |
| 19       | Odisha                               |           |           | 0         |
| 20       | Punjab                               | 134       |           |           |
| 21       | Rajasthan                            |           |           |           |
| 22       | Sikkim                               |           | 0         |           |
| 23       | TamilNadu                            |           | 0         | 104       |
| 24       | Telangana                            |           | 0         |           |
| 25       | Tripura                              |           |           |           |
| 26       | Uttar Pradesh                        | 200       | 400       |           |
| 27       | Uttrakhand                           |           |           |           |
| 28       | West Bengal                          |           |           |           |
|          | SubTotal States (1 to 28)            | 7484      | 5473      |           |
| II.      | UTs                                  |           |           |           |
| 29       | A&N Islands                          |           | 0         |           |
| 30       | Chandigarh                           |           |           |           |
|          | Dadra & Nagar Haveli & Daman and Diu |           |           | 0         |
| 32       | Jammu & Kashmir                      | 275       | 100       | 11        |
| 33       | NCT of Delhi                         | 5         |           |           |
| 34       | Ladakh                               |           |           |           |
| 35       | Lakshadweep                          |           |           |           |
| 36       | Puducherry                           |           | 0|00 | 0 0 0     |
|          | SubTotal UTs(29 to 36)               | 280       | 100       | 11        |
|          | Grand Total (I to II)                | 7764      | 5573      | 1146      |

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