| West Bengal S.C. and S.T. Development & Finance Corporation |
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| Activities of the Corporation |
| As per provision of the Act, the Corporation generally undertakes the welfare schemes for the benefit of the SC & ST people. It provides financial assistance by way of providing subsidy, margin money term loan and bank loan through the banks. The main activities of the Corporation are the following :- |
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| SPECIAL COMPONENT PLAN FOR SC |
| Eligibility Criteria |
| Annual Family Income |
: |
Rs. 19,654/- for Rural Area and |
| (Below Poverty Line-BPL) |
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Rs. 27,247/- for Urban Area |
| Age Limit |
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18 to 50 years |
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| Provision of Finance for the Scheme |
| Project Cost |
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Maximum Rs. 35,000/- |
| Subsidy |
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50% of project cost subject to a maximum of Rs. 10,000/- |
| Margin Money |
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5% of project cost (limited upto project cost Rs. 20,000/-) subject to maximum limit of Rs . 1,000 /- |
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| N.S.F.D.C. for SC/N.S.T.F.D.C. for ST |
| Eligibility Criteria |
NSFDC |
NSTFDC |
| Annual Family Income |
Rural Areas Rs. 40,000/- |
Rs. 39,500/- |
| (Below Double Poverty Line-DPL) |
Urban Areas Rs. 55,000/- |
Rs. 54,500/- |
| Age Limit |
18 to 50 years |
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| Caste Certificate |
SC / ST Certificate from competent authority. |
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| Provision of Finance for the Scheme |
| Project Cost |
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Upto Rs. 30 lakhs for NSFDC and Rs. 10 lakhs for NSTFDC |
| Subsidy |
: |
Upto Rs. 10,000/- for BPL category |
| Margin Money |
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5% of the project cost subject to maximum Rs. 20,000/- for SC & STs with 4% interest p.a. |
| Interest on NSFDC / NSTFDC Loan |
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Upto Rs. 5 lakhs - 6% p.a. Beyond Rs. 5 lakhs 8% p.a. |
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| Mahila Samriddhi Yoiana |
| Eligibility Criteria |
: |
Applicable to SC Women only |
| Annual Family Income |
: |
40,000/-for Rural area
55,000/-for Urban area |
| Project cost |
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Upto Rs. 25,000/- |
| Subsidy |
: |
50% of the project cost subject to maximum Rs. 10,000/- for BPL |
| Rate of Interest |
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3% p.a. |
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| Adibasi Mahila Swasaktikaran Yoiana |
| Eligibility Criteria |
: |
Applicable to Sch. Tribe Women only |
| Annual Family Income |
: |
Rs. 39,500/- for Rural area
Rs. 54,500/- for Urban area |
| Provision of.Finance for the Scheme |
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| Project cost |
: |
Upto Rs. 50,000/- |
| Subsidy |
: |
50% Subsidy subject to maximum of Rs. 10,000/- for BPL |
| Rate of interest |
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3% p.a. |
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| Micro Credit |
| Eligibility Criteria |
: |
Similar to NSFDC Schemes |
| Project cost |
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Upto Rs. 25,000/- may be financed individually or through self help groups. |
| Rate of interest |
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4% p.a. |
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| N.S.K.F.D.C. |
| The scheme applies to Safai Karmacharis and their dependents. There is no caste bar or income limit. |
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| Features of the scheme |
| Project cost |
: |
Upto Rs. 5 lakhs |
| N.S.K.F.D.C. loan |
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Upto 90% of the Project cost. |
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| Remaining 10% provided by Margin Money loan and Subsidy. |
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| S.R.M.S. |
| Credit lined Capital Subsidy will be provided to the beneficiaries in a scaled manner. |
| a) For Projects Costing up to Rs. 25,000/- |
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@ 50% of the Project Cost. |
| b) For Projects Costing more than Rs. 25,000/- |
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@ 25% of the Project Cost with a minimum of Rs. 12500/- and maximum of Rs. 20000/- |
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| In respect of all the schemes of the Corporation, the beneficiary should not be a defaulter from any/non Govt. Financial Institution. |
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