Bank Loan Processing Fee Reimbursement Scheme

Key facts

Benefit	Reimbursement of up to 80% of processing fees, max ₹1 lakh
Who	Scheduled Caste / Scheduled Tribe entrepreneurs
How paid	Reimbursement after loan disbursement
Implemented by	Ministry of Micro, Small and Medium Enterprises
Official portal	https://www.scsthub.in
Application window	Open all year for eligible entrepreneurs

Benefits

Beneficiaries can receive reimbursement of up to 80% of their loan processing fees, capped at ₹1,00,000, excluding GST and other taxes.

Who can apply

For: entrepreneur
Category: SC, ST
not income tax payer
no government employee in family
poor household

Eligible applicants must belong to the Scheduled Caste or Scheduled Tribe categories and own or represent a Micro or Small Enterprise (MSE). They should not be income tax payers, and there should be no government employees in their family.

How to apply

Applications can be submitted online through the official website dedicated to the scheme.

Visit scsthub.in and click on sign-up.
Provide your full name, email ID, mobile number, and create a password.
Log in using your credentials and complete the required information.
Upload necessary documents as specified in the guidelines.
Submit the application for processing.

Apply on the official website ↗

Documents required

Self-certified copy of Udyam Registration (UR) & GST (if applicable)
Self-certified copy of PAN Card
Copy of Caste Certificate
Details of shareholding
Copy of Partnership Deed or Memorandum and Article of Association
Bank attested debit statement
Business loan availment certificate
Bank attested copy of loan sanction letter
Cancelled Cheque
Proof of transferred amount

Common problems and how to fix them

Problem	What to do
Application rejected	Ensure all required documents are submitted correctly, including Udyam Registration and Caste Certificate.
Payment not received	Verify that the loan has been disbursed and check the status of the reimbursement application on the official portal.

Frequently asked questions

What is the Bank Loan Processing Fee Reimbursement Scheme?

This scheme, under the Ministry of MSME, reimburses a portion of the processing fees for loans taken by SC/ST MSEs.

Who can benefit from this scheme?

Applicants must belong to SC/ST categories and own or represent an MSE that has availed loans from eligible financial institutions.

Is there a limit on the reimbursement amount?

Yes, the reimbursement is limited to 80% of the processing fee or ₹1,00,000, whichever is lower, excluding GST.

Can benefits be availed multiple times?

Yes, SC/ST MSEs can avail benefits multiple times within a financial year, but the total assistance is capped at ₹1,00,000.

What documents are required to apply?

Required documents include Udyam Registration, PAN Card, Caste Certificate, loan sanction letter, and proof of payment among others.

How should I apply for the scheme?

Applications can be made online at the National SC-ST Hub website or through designated Common Service Centers.

Key terms explained

SC / ST / OBC: Official social categories — Scheduled Castes, Scheduled Tribes and Other Backward Classes — used for reservations and targeted welfare schemes.

Always confirm the latest details on the official portal before applying.