NBCFDC General Loan Scheme | India Gov Schemes

Key facts

Benefit	Loan up to ₹15 lakh
Who	Entrepreneurs from OBC
Income limit	₹3 lakh per annum
Implemented by	Ministry of Social Justice and Empowerment
Official portal	nbcfdc.gov.in
Helpline	18001023399
Application window	Open all year for eligible applicants.

Benefits

Beneficiaries can receive loans of up to ₹15 lakh for various income-generating activities, with interest rates ranging from 6% to 8% depending on the loan amount.

Who can apply

Household income ≤ ₹3,00,000/year
For: entrepreneur
Category: OBC
not income tax payer
no government employee in family
poor household

Applicants must be entrepreneurs from the Other Backward Classes (OBC) with an annual family income below ₹3 lakh. They should not be income tax payers and must not have any government employees in their family.

How to apply

Interested individuals can apply through the prescribed form available with Channel Partners or District Offices.

Obtain the application form from the District Office of Channel Partners.
Fill in the application form, detailing your needs and vocational choices.
Attach required documents including proof of identity and income certificates.
Submit the completed application to the District Office or relevant Channel Partner.
Contact the Channel Partner for any queries or assistance during the application process.

Apply on the official website ↗

Documents required

Proof of Identity (Aadhaar card)
Relevant Caste Certificate
Passport size Photograph
Certificate of Income or AAY/BPL Card
Annual family income certificate

Common problems and how to fix them

Problem	What to do
Application rejected	Ensure all required documents are submitted and eligibility criteria are met before reapplying.
Loan not disbursed	Contact the Channel Partner or the helpline for assistance regarding the status of the loan application.

Frequently asked questions

What is the maximum loan amount available under this scheme?

The maximum loan amount that can be availed under this scheme is ₹15 lakh per beneficiary.

What are the interest rates for the loans?

Interest rates vary: 6% for loans up to ₹5 lakh, 7% for loans between ₹5 lakh and ₹10 lakh, and 8% for loans above ₹10 lakh.

What is the repayment period for the loan?

Loans must be repaid in quarterly installments over a maximum period of 8 years, including a 6-month moratorium on principal repayment.

Can women entrepreneurs apply for this scheme?

Yes, the scheme is open to all entrepreneurs, including women, for income-generating activities.

Is there a helpline for queries regarding the application process?

Yes, you can call the toll-free number 18001023399 for assistance with the application process.

What documents are required to apply?

Required documents include proof of identity, a relevant caste certificate, a passport-sized photograph, and an income certificate.

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.