Lok Sabha Question No. 3120 (UNSTARRED), answered on 2026-03-11
Subject: National Minorities Development & Finance Corporation
Ministry: MINORITY AFFAIRS
Asked by: Shri P V Midhun Reddy

## GOVERNMENT OF INDIA MINISTRY OF MINORITY AFFAIRS

## LOK SABHA UNSTARRED QUESTION NO. 3120

ANSWERED ON 11.03.2026

## NATIONAL MINORITIES DEVELOPMENT & FINANCE CORPORATION

3120.  SHRI P V MIDHUN REDDY:

Will the Minister of MINORITY AFFAIRS be pleased to state:

- (a)  the  objectives  and  functions  of  National  Minorities  Development  &  Finance  Corporation (NMDFC);
- (b) the details of financial assistance provided by NMDFC during the last three years;
- (c) the number of persons benefitted under the said scheme, State-wise; and
- (d)  the  steps  undertaken  by  the  Government  to  ensure  that  minority  women  are  adequately represented under NMDFC's schemes?

## ANSWER

## THE MINISTER OF MINORITY AFFAIRS

## (SHRI KIREN RIJIJU)

- (a):  The  National  Minorities  Development  &  Finance  Corporation  (NMDFC)  is  a  Central Public  Sector  Enterprise  under  the  Ministry  of  Minority  Affairs.    Its  prime  mandate  is  to provide  concessional  credit  for  self-employment  and  income-generating  activities  of  eligible beneficiaries belonging to notified minority communities through State Channelizing Agencies (SCAs) nominated by respective State Govt./UT Administration and select banks.
- (b) & (c): The details are provided as Annexure -A.
- (d):  The  steps  undertaken  by  NMDFC to  ensure adequate representation of minority women under its schemes are as under:
- (i)  Concessional  Interest  Rates  for  Women: To  promote  women's  entrepreneurship  and higher education, NMDFC provides special interest concessions under Credit Line -2 :
- (ii)  Virasat  Scheme  (for  artisans): Women  artisans  receive  an  additional 1%  interest concession, paying 4% p.a. under Credit Line -1 and 5% p.a. under Credit Line -2, compared to 5% and 6% respectively for male beneficiaries.
- (iii)  Focus  on  Women  under  the  Micro  Finance  Scheme: The  Micro  Finance  Scheme primarily  targets  women,  especially  those  in  remote  villages  and  urban  slums.  Women  are organized into Self Help Groups (SHGs) to promote savings and access to credit. Each SHG member can avail  loans  of  up  to ₹1.00  lakh  (Credit  Line1)  or ₹1.50  lakh  (Credit  Line2). Nearly 98 -99% of the beneficiaries under this scheme are women .

- Term Loan :

6% p.a. for women (8% p.a. for men)

- Micro Finance :

8% p.a. for women (10% p.a. for men)

- Education Loan  :

5% p.a. for women (8% p.a. for men)

*****

## Annexure-A

## ANNEXURE REFERRED IN REPLY TO PART (B) & (C) OF LOK SABHA UNSTARRED QUESTION  NO.  3120  REGARDING  NATIONAL  MINORITIES  DEVELOPMENT  & FINANCE CORPORATION ASKED BY SHRI P V MIDHUN REDDY

(Rs. In Lakh)

| STATE              | 2022-2023    | 2022-2023      | 2023-2024    | 2023-2024      | 2024-2025    | 2024-2025      | 2025-2026    | 2025-2026      |
|--------------------|--------------|----------------|--------------|----------------|--------------|----------------|--------------|----------------|
| STATE              | No. of benf. | Amt. disbursed | No. of benf. | Amt. disbursed | No. of benf. | Amt. disbursed | No. of benf. | Amt. disbursed |
| Andaman& Nicobar   | 1            | 0.46           | 1            | 1.50           | -            | -              | 2            | 3.50           |
| Andhra Pradesh     | 2,525        | 509.96         | 187          | 154.30         | 172          | 188.00         | 430          | 424.31         |
| Arunachal Pradesh  | -            | -              | -            | -              | 127          | 190.00         | 5            | 12.79          |
| Assam              | 59           | 58.54          | -            | -              | 7            | 8.00           | 31           | 68.69          |
| Bihar              | 4            | 3.91           | 12           | 14.40          | 6            | 10.00          | 8            | 10.54          |
| Chandigarh         | 7            | 10.00          | 7            | 10.00          |              | -              | 2            | 3.00           |
| Chhattisgarh       | -            | -              | -            | -              | 2            | 3.00           | 4            | 6.18           |
| Delhi              | 17           | 25.00          |              | -              |              | -              |              | -              |
| Goa                | 70           | 104.26         | 3            | 7.90           | 14           | 21.60          | 9            | 13.50          |
| Gujarat            | 78           | 121.00         | 7            | 7.90           | 6            | 11.00          | 16           | 49.93          |
| Haryana            | 633          | 880.15         | 185          | 266.00         | 360          | 570.70         | 266          | 397.70         |
| Himachal Pradesh   | 1,000        | 1,500.00       | 856          | 1,284.00       | 564          | 846.00         | 517          | 775.74         |
| Jammu &Kashmir     | 5,019        | 6,278.00       | 1,911        | 2,830.20       | 1,957        | 2,926.00       | 870          | 1,251.91       |
| Jharkhand          | 119          | 160.05         | 120          | 180.00         | -            | -              | 16           | 27.62          |
| Karnataka          | 272          | 184.64         | 152          | 159.30         | 224          | 174.00         | 466          | 457.29         |
| Kerala             | 78,279       | 33,331.52      | 74,088       | 31,876.50      | 76,662       | 32,367.00      | 56,522       | 29,169.30      |
| Ladakh             | -            | -              | -            | -              | 67           | 100.00         | 279          | 418.20         |
| Lakshadweep        | 2            | 3.00           | -            | -              | -            | -              | 4            | 5.81           |
| Madhya Pradesh     | 1            | 0.46           | -            | -              | 1            | 2.00           | 4            | 6.83           |
| Maharashtra        | 1,137        | 1,203.45       | 1,267        | 1,899.60       | 3,014        | 4,512.00       | 1,036        | 1,567.61       |
| Manipur            | 8            | 3.45           | -            | -              | -            | -              | 24           | 33.11          |
| Meghalaya          | 4            | 2.94           | -            | -              | 1            | 0.50           | 69           | 75.74          |
| Mizoram            | 207          | 305.18         | 141          | 212.00         | 113          | 170.00         | 340          | 503.37         |
| Nagaland           | 5            | 3.16           | -            | -              | -            | -              | 31           | 40.51          |
| Odisha             | 2            | 2.00           | -            | -              | 10           | 4.00           | 5            | 5.02           |
| Puducherry         | -            | -              | 1            | 1.90           | -            | -              | 1            | 0.39           |
| Punjab             | 60           | 84.65          | 77           | 113.50         | 629          | 944.00         | 468          | 800.48         |
| Punjab Gramin Bank |              | -              |              | -              | 134          | 200.00         | 304          | 419.00         |
| Rajasthan          | 350          | 515.84         | 70           | 104.80         | 295          | 445.00         | 6            | 15.23          |
| Sikkim             |              | -              |              | -              | 13           | 20.00          | 19           | 7.73           |
| Tamil Nadu         | 13,855       | 5,677.08       | 16,554       | 5,704.40       | 19,443       | 7,702.00       | 20,656       | 8,555.68       |
| Telangana          | 669          | 608.39         | 35           | 22.10          | 8            | 4.00           | 67           | 99.42          |
| Tripura            | 1            | 1.00           | -            | -              | 3            | 3.00           | 46           | 65.40          |
| Uttar Pradesh      | 133          | 129.91         | 75           | 135.30         | 94           | 136.00         | 60           | 109.79         |
| Uttarakhand        | 26           | 16.42          | 19           | 34.90          | 3            | 2.00           | 54           | 42.81          |
| West Bengal        | 101,237      | 36,446.94      | 89,097       | 31,524.60      | 96,350       | 34,483.00      | 118,193      | 39,053.56      |
|                    |              |                |              | 76545.1        | 200279       | 86042.8        | 200830       |                |
| Grand Total        | 205780       | 88171.36       | 184865       |                |              |                |              | 84497.69       |