Lok Sabha Question No. 1731 (UNSTARRED), answered on 2016-07-27
Subject: Minority Schemes through State Channelising Agencies
Ministry: MINORITY AFFAIRS
Asked by: SONA RAM CHOUDHARY

## GOVERNMENT OF INDIA MINISTRY OF MINORITY AFFAIRS LOK SABHA UNSTARRED QUESTION No.1731 TO BE ANSWERED ON 27.07.2016

## Minority Schemes through State Channelising Agencies

## 1731.  COL. SONARAM CHOUDHARY:

Will the Minister of MINORITY AFFAIRS be pleased to state:

- a) whether schemes to promote economic and social development of minorities are  being  implemented  through  State  Channelizing  agencies  and  if  so,  the details thereof;
- b) whether the said schemes are framed after due consultations  with the  local populace keeping in view their varied needs of assistance and if so, the details thereof;
- c) whether any special schemes have been framed for the minorities living in the far flung rural and border areas as well as in hilly terrains;
- d) if so, the details thereof, State-wise particularly Rajasthan; and
- e) if not, the reasons therefor?

## ANSWER

## MINISTER OF STATE(INDEPENDENT CHARGE) IN THE MINISTRY OF MINORITY AFFAIRS (SHRI MUKHTAR ABBAS NAQVI)

(a): Yes, Madam. The schemes of National Minorities Development and Finance Corporation (NMDFC), a Central Public Sector Enterprise under the Ministry of Minority  Affairs,  are  implemented  through  State  Channelizing  Agencies  (SCAs) nominated  by  respective  State  Governments.  NMDFC  provides  concessional loans  for  self-employment  and  economic  empowerment  of  minorities.  For availing assistance under NMDFC schemes, the annual family income eligibility criterion is Rs. 81,000 for rural areas and Rs. 1.03 lakh for urban areas (Credit Line-1). Higher annual household income eligibility criterion of upto Rs.6.00 lakh has also been introduced (Credit Line-2) for increasing coverage of beneficiaries. The details of the schemes are as follows:

1. Term Loan:-Maximum Loan of up to Rs.20.00 Lakh per beneficiary is available under  Credit  Line-1  at  an  interest  rate  of  6%  per  annum.  Higher  loan  of maximum up to Rs.30.00 Lakh per beneficiary is available under Credit Line-2 at an interest rate of 8% per annum for male beneficiaries and 6% per annum for female beneficiaries.
2. Micro Finance:-Maximum loan upto Rs.1.00 Lakh per Self Help Group (SHG) member is available under Credit Line-1 at an interest rate of 7% per annum. Higher loan of maximum upto Rs.1.50 Lakh per SHG member is available under Credit Line-2 at an interest rate of 10% per annum for male beneficiaries and 8% per annum for female beneficiaries.
3. Education Loan:- Under Credit line-1, the Educational Loan of upto Rs.15.00 Lakh for courses within India and Rs.20 Lakh for courses abroad, is available at an  interest  rate  of  3%  per  annum  for  pursuing  technical  and  professional courses with maximum course duration of 5 years. Under Credit line-2, higher Educational Loan of upto Rs.20.00 Lakh for courses within India and Rs.30 Lakh

for courses abroad, is available at an interest rate of 8% per annum for male candidates and at 5% per annum for female beneficiaries. 4. Mahila Samridhi Yojana:- Skill development training is imparted to group of women in women friendly trades. Training period is of maximum 6 months with training  and  raw  material  cost  of  upto  Rs.1,500  per  women  and  stipend  @ Rs.1,000 per women. During the period of training, the women are formed into Self  Help  Group,  followed  by  infusion  of  micro-credit  maximum  upto  Rs.1.00 Lakh  per  member  for  the  purpose  of  using  the  skill  developed  during  the training, for income generation activities. In  addition,  the  promotional  schemes  of  vocational  training  and  marketing assistance to artisans/ craftsmen are also being implemented through SCAs. (b): All  the  schemes  including  eligibility  criteria  therein  have  been  revised  in 2013-14  after  due  consultation  with  the  SCAs  and  feed-back  received  from stakeholders during Regional meetings in various parts of the country. (c)  to  (e): Due  consideration  is  given  to  the  need  based  proposals  received from  the  SCAs  of  far  flung  rural  areas,  border  areas  as  well  as  hilly  States. Moreover,  the  Term  loans  for  transport  sector  being  high  in  demand  in  hilly regions, is supported. The concerned SCAs take care of the minorities living in far flung areas including rural areas. The concessional loans extended by NMDFC in last three years in various States including far flung States, border areas as well as hilly States and Rajasthan, are at Annexure .

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Annexure referred to in reply to part (c) to (e) of Lok Sabha Unstarred Question No.1731  to  be  answered  on  27.07.2016  regarding  'Minority  Schemes  through State Channelising Agencies' asked by Col. Sonaram Choudhary.

| NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   | NATIONAL MINORITIES DEVELOPMENT &FINANCE CORPORATION   |
|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|
|                                                        |                                                        |                                                        |                                                        |                                                        |                                                        |                                                        |                                                        | Amt. Rs. In Crore                                      | Amt. Rs. In Crore                                      |
| Sr.No.                                                 | STATE                                                  | 2013-2014 Amount                                       | Benefi                                                 | 2014-2015 Amount                                       | Benefs                                                 | 2015-2016 Amount                                       | Benefs                                                 | T OT Amount                                            | A L Benefs                                             |
| 1                                                      | CHANDIGARH                                             |                                                        |                                                        | 0.20                                                   | 21                                                     |                                                        |                                                        | 0.20                                                   | 21                                                     |
| 2                                                      | CHHATTISGARH                                           |                                                        |                                                        | 3.00                                                   | 825                                                    |                                                        |                                                        | 3.00                                                   | 825                                                    |
| 3                                                      | GUJARAT                                                |                                                        |                                                        |                                                        |                                                        | 2.00                                                   | 133                                                    | 2.00                                                   | 133                                                    |
| 4                                                      | HARYANA                                                | 1.50                                                   | 667                                                    | 1.00                                                   | 377                                                    | 9.60                                                   | 974                                                    | 12.10                                                  | 2018                                                   |
| 5                                                      | HIMACHAL PRADESH                                       | 3.50                                                   | 368                                                    | 5.50                                                   | 580                                                    | 3.75                                                   | 250                                                    | 12.75                                                  | 1198                                                   |
| 6                                                      | JAMMU& KASHMIR                                         | 15.00                                                  | 1579                                                   | 20.00                                                  | 2106                                                   | 38.84                                                  | 2890                                                   | 73.84                                                  | 6575                                                   |
| 7                                                      | KARNATAKA                                              | 18.50                                                  | 1947                                                   | 20.00                                                  | 2105                                                   | 10.00                                                  | 667                                                    | 48.50                                                  | 4719                                                   |
| 8                                                      | KERALA                                                 | 73.00                                                  | 16162                                                  | 92.50                                                  | 22624                                                  | 141.60                                                 | 19439                                                  | 307.10                                                 | 58225                                                  |
| 9                                                      | MAHARASHTRA                                            |                                                        |                                                        | 10.00                                                  | 1053                                                   |                                                        |                                                        | 10.00                                                  | 1053                                                   |
| 10                                                     | MIZORAM                                                |                                                        |                                                        | 2.00                                                   | 211                                                    | 2.00                                                   | 133                                                    | 4.00                                                   | 344                                                    |
| 11                                                     | NAGALAND                                               | 4.96                                                   | 849                                                    | 8.50                                                   | 2083                                                   |                                                        |                                                        | 13.46                                                  | 2932                                                   |
| 12                                                     | PUDUCHERRY                                             | 3.00                                                   | 825                                                    | 2.00                                                   | 549                                                    | 5.00                                                   | 917                                                    | 10.00                                                  | 2291                                                   |
| 13                                                     | PUNJAB                                                 | 7.00                                                   | 738                                                    | 11.00                                                  | 1159                                                   | 4.50                                                   | 300                                                    | 22.50                                                  | 2197                                                   |
| 14                                                     | RAJASTHAN                                              | 40.00                                                  | 4211                                                   | 20.00                                                  | 2275                                                   | 20.00                                                  | 1333                                                   | 80.00                                                  | 7819                                                   |
| 15                                                     | TAMILNADU                                              | 20.00                                                  | 6854                                                   | 38.50                                                  | 14737                                                  | 10.00                                                  | 2333                                                   | 68.50                                                  | 23924                                                  |
| 16                                                     | TRIPURA                                                | 9.00                                                   | 948                                                    | 12.00                                                  | 1263                                                   | 15.00                                                  | 999                                                    | 36.00                                                  | 3210                                                   |
| 17                                                     | UTTRAKHAND                                             |                                                        |                                                        |                                                        |                                                        | 1.00                                                   | 67                                                     | 1.00                                                   | 67                                                     |
| 18                                                     | WEST BENGAL                                            | 130.00                                                 | 40818                                                  | 185.00                                                 | 56784                                                  | 210.00                                                 | 55668                                                  | 525.00                                                 | 153270                                                 |
|                                                        | Grand Total                                            | 325.46                                                 | 75966                                                  | 431.20                                                 | 108752                                                 | 473.29                                                 | 86103                                                  | 1,229.95                                               | 270821                                                 |

Benefs:- Beneficiaries