Lok Sabha Question No. 58 (STARRED), answered on 2025-12-03
Subject: National Minorities Development and Finance Corporation
Ministry: MINORITY AFFAIRS
Asked by: Shri G Kumar Naik

## GOVERNMENT OF INDIA MINISTRY OF MINORITY AFFAIRS

## LOK SABHA STARRED QUESTION NO. *58

ANSWERED ON 03.12.2025

## NATIONAL MINORITIES DEVELOPMENT AND FINANCE CORPORATION

*58. SHRI G KUMAR NAIK:

Will the Minister of MINORITY AFFAIRS be pleased to state:

- (a)  the  details  of  schemes  implemented  by  the  National  Minorities  Development  and  Finance Corporation (NMDFC) and the objectives thereof;

- (b)  the  details  of  total  funds  allocated  and  released  to  States/UTs  under  NMDFC  schemes  since  its inception during the last five years, year-wise and State/UT-wise; and

- (c)  the  number  of  beneficiaries  who  have  availed  assistance  under  NMDFC  schemes  during  the  said period?

## ANSWER

THE MINISTER OF MINORITY AFFAIRS

(SHRI KIREN RIJIJU)

(a) to (c): A statement is laid on the Table of the House.

*****

## STATEMENT REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO.58 FOR  ANSWER  ON  03.12.2025  REGARDING  ' NATIONAL  MINORITIES  DEVELOPMENT AND FINANCE CORPORATION ' ASKED BY SHRI G KUMAR NAIK

(a):  National  Minorities  Development  &  Finance  Corporation  (NMDFC)  implements  its  schemes  for socioeconomic development of 'backward sections' among the (06) notified minority communities by providing concessional loan for self-employment income generation ventures across the country. The schemes  of  NMDFC  are  implemented  through  State  Channelizing  Agencies  (SCAs)  nominated  by respective  State  Govt./  UT  Administration,  Punjab  Gramin  Bank  and  Canara  Bank.  The  details  of NMDFC schemes are enclosed as 'Annexure -A' .

(b)  to  (c):  The  details  of  total  funds  released  States/UT  wise  and  number  of  beneficiaries,  under NMDFC  schemes  since  its  inception  are  enclosed  as  ' Annexure-B '.  Further  the  details  of  funds released States/UT wise and number of beneficiaries assisted under NMDFC schemes for the last five years are enclosed as ' Annexure-C '.

*****

Annexure referred to in reply to part (a) of Lok Sabha Starred Question No. 58 for answer on 03.12.2025 regarding 'NATIONAL MINORITIES DEVELOPMENT AND FINANCE CORPORATION' asked by SHRI G KUMAR NAIK

## Eligibility Condition

1. Muslims,  Christians,  Sikhs,  Buddhists,  Parsis  &  Jains  notified  as  National  Minorities  by  the Central Government under the National Minorities Commission Act, 1992 are eligible to avail benefit under NMDFC schemes.
2. The annual family income eligibility criterion under Credit Line-1 is upto Rs. 3.00 lacs p.a. for both rural & urban areas. Under Credit Line  -2, persons with higher annual family income of upto Rs.8.00 lacs p.a. can avail higher quantum of financial assistance at a higher rate of interest.

## Concessional Credit Schemes of NMDFC

1. Term Loan :-  Assistance under this scheme is available for any commercially viable & technically feasible venture. Maximum Loan of up to Rs.20.00 Lacs per beneficiary is available under Credit Line-1 at an interest rate of 6% p.a.

Higher  loan,  maximum  up  to  Rs.30.00  Lacs  per  beneficiary  is  available  under  Credit  Line-2  at  an interest rate of 8% p.a. for male beneficiaries & 6% p.a for female beneficiaries.

Education Loan :- Education loan scheme is part of term loan scheme. Education Loan is provided for pursuing technical and professional courses with maximum course duration of 5 years. The Educational Loan of upto Rs.20.00 lacs for courses in India & Rs.30.00 lacs for courses abroad is available at an interest rate of 3% p.a. under Credit Line-1 while interest of 8% p.a. is charged from male beneficiaries & 5% p.a from female beneficiaries under Credit Line-2.

Virasat  Scheme :-  This  scheme  is  also  part  of  the  Term  Loan  scheme  and  is  implemented  with  the objective  to  meet  credit  requirements  of  the  Artisans,  both  in  terms  of  Working  Capital  and  Fixed Capital for purchase of equipment/tools/machineries.  Maximum loan,upto Rs.10.00 Lacs can be availed under the scheme at simple interest of 5% p.a. for Male Artisan & 4% p.a. for Female Artisan under Credit Line-1 and at simple interest of 6% p.a. for Male Artisan & 5% p.a. for Female Artisan under Credit Line-2.

2. Micro Finance :-Under Micro-finance scheme, micro-credit is extended to the members of Self Help Groups (SHGs), especially the women from Minority communities scattered in remote villages & urban slums, who are not able to take advantage of the formal banking credit. The scheme requires that the beneficiaries are organized into SHGs and get into habit of thrift & credit, however small. Maximum loan upto Rs.1.00 lac per SHG member is available under Credit Line -1 at an interest rate of 7% p.a.

Higher  loan,  maximum  upto  Rs.1.50  lacs  per  SHG  member  is  available  under  Credit  Line-2  at  an interest rate of 10% p.a. for male beneficiaries & 8% p.a for female beneficiaries.

## Credit Line-wise other parameters & funding structure of NMDFC schemes

## A. Credit Line 1

|   Sr. | Parameters                                      | Term Loan   | Education Loan                                                                                  | Micro Finance                            | Virasat            |
|-------|-------------------------------------------------|-------------|-------------------------------------------------------------------------------------------------|------------------------------------------|--------------------|
|     1 | Max. Loan Amount (Rs. In Lakh)                  | 20          | 20 (I n India for upto 5 years duration courses) 30 ( Courses Abroad for upto 5 years duration) | 1 per member of SHG 20 for a group of 20 | 10                 |
|     2 | Rate of Interest for beneficiaries (% p.a.)     | 6           | 3                                                                                               | 7                                        | 5 (male) 4 (women) |
|     3 | Rate of Interest by SCA/Bank to NMDFC( %p.a.)   | 3           | 1                                                                                               | 1                                        | 3 (male) 2 (women) |
|     4 | Moratorium period for the Beneficiaries         | 6 Months    | 6 mths after course completion or getting job, whichever is earlier                             | 3 months                                 | 6 months           |
|     5 | Repayment period for beneficiaries              | 5 Years     | 5 years                                                                                         | 3 year                                   | 5 years            |
|     6 | Means of Financing NMDFC: SCA/Bank: Beneficiary | 90 :5 : 5   | 90 :5 : 5                                                                                       | 90 :5 : 5                                | 90 :5 : 5          |

## B. Credit  Line 2

|   S.No. | Parameters                                           | Term Loan          | Education Loan                                                                                  | Micro Finance                               | Virasat            |
|---------|------------------------------------------------------|--------------------|-------------------------------------------------------------------------------------------------|---------------------------------------------|--------------------|
|       1 | Max. Loan Amount (Rs. In Lakh)                       | 30                 | 20 (I n India for upto 5 years duration courses) 30 ( Courses Abroad for upto 5 years duration) | 1.50 per member of SHG 30 for a group of 20 | 10                 |
|       2 | Rate of Interest for beneficiaries (% p.a)           | 8 (male) 6 (women) | 8 (male) 5 (women)                                                                              | 10 (male) 8 (women )                        | 6 (male) 5 (women) |
|       3 | Rate of Interest payable by SCA/Bank to NMDFC(% p.a) | 5 (male) 3 (women) | 2                                                                                               | 4 (male) 2 (women)                          | 4 (male) 3 (women) |
|       4 | Moratorium period for the Beneficiaries              | 6 months           | 6 mths after course completion or getting a job, whichever is earlier                           | 3 months                                    | 6 months           |
|       5 | Repayment period for beneficiaries                   | 5 years            | 5 years                                                                                         | 3 year                                      | 5 years            |
|       6 | Means of Financing NMDFC: SCA/Bank: Beneficiary      | 90 :5 : 5          | 90 :5 : 5                                                                                       | 90 :5 : 5                                   | 90 :5 : 5          |

Annexure  referred  to  in  reply  to  part  (b)  to  (c)  of  Lok  Sabha  Starred  Question  No.  58  for  answer  on 03.12.2025 regarding 'NATIONAL MINORITIES DEVELOPMENT AND FINANCE CORPORATION' asked by SHRI G KUMAR NAIK

State/UT  wise Cumulative Disbursement of Funds & No. of Beneficiaries Assisted by NMDFC as on 31-032025

Amt. Rs. in Crore

| State/UTs          | Micro Credit   | Micro Credit   | Term Loan   | Term Loan     | Total     | Total         |
|--------------------|----------------|----------------|-------------|---------------|-----------|---------------|
| State/UTs          | Disbursed      | Beneficiaries  | Disbursed   | Beneficiaries | Disbursed | Beneficiaries |
| Andaman &Nicobar   | -              | -              | 0.03        | 3             | 0.03      | 3             |
| Andhra Pradesh     | 10.67          | 24,328         | 60.90       | 31,215        | 71.57     | 55,543        |
| Arunachal Pradesh  | 0.02           | 42             | 2.42        | 150           | 2.45      | 192           |
| Assam              | 6.12           | 8,548          | 9.77        | 1,871         | 15.89     | 10,419        |
| Bihar              | 1.32           | 6,154          | 52.37       | 13,249        | 53.68     | 19,403        |
| Chandigarh         |                |                | 2.12        | 301           | 2.12      | 301           |
| Chhattisgarh       | 1.50           | 667            | 9.40        | 1,370         | 10.90     | 2,037         |
| Delhi              | 0.73           | 611            | 4.76        | 860           | 5.49      | 1,471         |
| Goa                | -              | -              | 1.84        | 121           | 1.84      | 121           |
| Gujarat            | 1.46           | 1,769          | 97.15       | 18,438        | 98.61     | 20,207        |
| Haryana            | 9.99           | 7,119          | 85.09       | 12,353        | 95.08     | 19,472        |
| Himachal Pradesh   |                |                | 99.61       | 8,773         | 99.61     | 8,773         |
| Jammu &Kashmir     | 9.58           | 5,778          | 564.27      | 47,063        | 573.85    | 52,841        |
| Jharkhand          | 0.35           | 456            | 10.00       | 1,343         | 10.35     | 1,799         |
| Karnataka          | 3.73           | 4,393          | 134.27      | 24,902        | 138.00    | 29,295        |
| Kerala             | 1,156.79       | 5,23,621       | 1,807.53    | 1,75,122      | 2,964.32  | 6,98,743      |
| Ladakh             | -              | -              | 1.02        | 68            | 1.02      | 68            |
| Lakshadweep        | -              | -              | 0.27        | 41            | 0.27      | 41            |
| Madhya Pradesh     | 1.15           | 1,379          | 13.41       | 5,064         | 14.56     | 6,443         |
| Maharashtra        | 11.01          | 7,713          | 155.32      | 18,016        | 166.33    | 25,729        |
| Manipur            | 0.25           | 1,855          | 2.29        | 461           | 2.53      | 2,316         |
| Meghalaya          | 0.09           | 82             | 1.58        | 151           | 1.67      | 233           |
| Mizoram            | 0.10           | 123            | 65.55       | 14,914        | 65.65     | 15,037        |
| Nagaland           | 24.37          | 12,195         | 75.80       | 13,634        | 100.16    | 25,829        |
| Odisha             | 2.88           | 4,443          | 11.11       | 3,147         | 14.00     | 7,590         |
| Puducherry         | 5.85           | 2,961          | 15.15       | 2,139         | 21.00     | 5,100         |
| Punjab             | -              | -              | 107.57      | 17,793        | 107.57    | 17,793        |
| Punjab Gramin Bank | -              | -              | 2.00        | 134           | 2.00      | 134           |
| Rajasthan          | 1.40           | 3,325          | 185.52      | 19,102        | 186.93    | 22,427        |
| Sikkim             | -              | -              | 1.20        | 79            | 1.20      | 79            |
| Tamil Nadu         | 411.93         | 2,29,302       | 248.72      | 24,527        | 660.65    | 2,53,829      |
| Telangana          | 3.95           | 634            | 3.95        | 247           | 7.90      | 881           |
| Tripura            | 0.05           | 50             | 118.13      | 9,954         | 118.18    | 10,004        |
| Uttar Pradesh      | 5.19           | 10,949         | 173.34      | 35,203        | 178.54    | 46,152        |
| Uttarakhand        | 0.20           | 1,130          | 10.46       | 1,146         | 10.66     | 2,276         |
| West Bengal        | 2,400.25       | 10,63,462      | 1,427.47    | 1,60,050      | 3,827.73  | 12,23,512     |

Annexure  referred  to  in  reply  to  part  (b)  to  (c)  of  Lok  Sabha  Starred  Question  No.  58  for  answer  on 03.12.2025 regarding 'NATIONAL MINORITIES DEVELOPMENT AND FINANCE CORPORATION' asked by SHRI G KUMAR NAIK

## STATE/UT  WISE  DETAILS  OFALLOCATED  AND  DISBURSEDFUNDS  AND  BENEFICIARIES ASSISTEDBY NMDFC DURING LAST 5 YEARS I.E. F.Y. 2020-21 TO F.Y. 2024-25

Amt. Rs. in Crore

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| State/Uts         | 2020-2021   | 2020-2021   | 2021-2022   | 2021-2022   | 2022-2023   | 2022-2023   | 2023-2024   | 2023-2024   | 2024-2025   | 2024-2025   |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|
| State/Uts         | Disb*       | Benef #     | Disb        | Benef       | Disb        | Benef       | Disb        | Benef       | Disb        | Benef       |
| Andaman& Nicobar  | -           | -           | 0.01        | 1           | 0.0046      | 1           | 0.02        | 1           | -           | -           |
| Andhra Pradesh    | -           | -           | 3.04        | 479         | 5.10        | 2,525       | 1.54        | 187         | 1.88        | 172         |
| Arunachal Pradesh | -           | -           | 0.52        | 23          | -           | -           | -           | -           | 1.90        | 127         |
| Assam             | -           | -           | 2.20        | 900         | 0.59        | 59          | -           | -           | 0.08        | 7           |
| Bihar             | -           | -           | 1.23        | 161         | 0.04        | 4           | 0.14        | 12          | 0.10        | 6           |
| Chandigarh        | 0.05        | 3           | 0.05        | 3           | 0.10        | 7           | 0.10        | 7           | -           | -           |
| Chhattisgarh      | -           | -           | -           | -           | -           | -           | -           | -           | 0.03        | 2           |
| Delhi             | 0.20        | 13          | -           | -           | 0.25        | 17          | -           | -           | -           | -           |
| Goa               | 0.20        | 14          | 0.30        | 20          | 1.04        | 70          | 0.08        | 3           | 0.22        | 14          |
| Gujarat           | 5.64        | 376         | 3.00        | 200         | 1.21        | 78          | 0.08        | 7           | 0.11        | 6           |
| Haryana           | 2.87        | 456         | 2.80        | 184         | 8.80        | 633         | 2.66        | 185         | 5.71        | 360         |
| Himachal Pradesh  | 6.95        | 463         | 11.00       | 733         | 15.00       | 1,000       | 12.8 4      | 856         | 8.46        | 564         |
| Jammu& Kashmir    | 24.79       | 1,885       | 35.00       | 2,667       | 62.78       | 5,019       | 28.3 0      | 1,911       | 29.26       | 1,957       |
| Jharkhand         | 0.15        | 10          | -           | -           | 1.60        | 119         | 1.80        | 120         | -           | -           |
| Karnataka         | -           | -           | 0.37        | 32          | 1.85        | 272         | 1.59        | 152         | 1.74        | 224         |
| Kerala            | 240.5 0     | 45,033      | 261.34      | 55,089      | 333.32      | 78,279      | 318. 77     | 74,088      | 323.67      | 76,662      |
| Ladakh            | -           | -           | 0.02        | 1           | -           | -           | -           | -           | 1.00        | 67          |
| Lakshadweep       | -           | -           | 0.24        | 39          | 0.03        | 2           | -           | -           | -           | -           |
| Madhya            |             |             |             |             |             |             |             |             |             |             |

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| Pradesh            | -       | -      | 0.19   | 8      | 0.0046   | 1        | -       | -      | 0.02   | 1      |
|--------------------|---------|--------|--------|--------|----------|----------|---------|--------|--------|--------|
| Maharashtra        | -       | -      | -      | -      | 12.03    | 1,137    | 19.0 0  | 1,267  | 45.12  | 3,014  |
| Manipur            | -       | -      | 0.44   | 113    | 0.03     | 8        | -       | -      | -      | -      |
| Meghalaya          | -       | -      | 1.60   | 166    | 0.03     | 4        | -       | -      | 0.01   | 1      |
| Mizoram            | 2.76    | 184    | 2.50   | 167    | 3.05     | 207      | 2.12    | 141    | 1.70   | 113    |
| Nagaland           | -       | -      | -      | -      | 0.03     | 5        | -       | -      | -      | -      |
| Odisha             | -       | -      | 0.87   | 241    | 0.02     | 2        | -       | -      | 0.04   | 10     |
| Puducherry         | -       | -      | -      | -      | -        | -        | 0.02    | 1      | -      | -      |
| Punjab             | -       | -      | 1.80   | 57     | 0.85     | 60       | 1.14    | 77     | 9.44   | 629    |
| Punjab Gramin Bank | -       | -      | -      | -      | -        | -        | -       | -      | 2.00   | 134    |
| Rajasthan          | 5.00    | 333    | 5.03   | 334    | 5.16     | 350      | 1.05    | 70     | 4.45   | 295    |
| Sikkim             | 0.20    | 13     | 0.80   | 53     | -        | -        | -       | -      | 0.20   | 13     |
| Tamil Nadu         | 25.00   | 3,333  | 68.13  | 20,168 | 56.77    | 13,855   | 57.0 4  | 16,554 | 77.02  | 19,443 |
| Telangana          | -       | -      | 1.55   | 169    | 6.08     | 669      | 0.22    | 35     | 0.04   | 8      |
| Tripura            | 10.00   | 667    | 3.00   | 200    | 0.01     | 1        | -       | -      | 0.03   | 3      |
| Uttar Pradesh      | 21.00   | 2,400  | 0.90   | 37     | 1.32     | 133      | 1.35    | 75     | 1.22   | 94     |
| Uttarakhand        | 0.10    | 7      | 0.08   | 6      | 0.16     | 26       | 0.35    | 19     | 0.02   | 3      |
| West Bengal        | 305.0 0 | 93,666 | 292.10 | 78,043 | 364.47   | 1,01,237 | 315. 25 | 89,097 | 344.83 | 96,350 |

*   Disbursed # Beneficiaries