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Schemes >

Term Loan / Margin Money Loan Micro Finance>>
Mahila Samridhi Yojna
Training Scheme

Rate of Interest  at a Glance


Rate of Interest
 at a Glance

NATIONAL BACKWARD CLASSES FINANCE AND DEVELOPMENT CORPORATION
(NBCFDC)

 

NATIONAL BACKWARD CLASSES FINANCE AND DEVELOPMENT CORPORATION
(NBCFDC)

 

Sl.
No.

Name of Scheme

Max. loan limit per
Beneficiary

Pattern of Finance

Rate of Interest

NBCFDC
Loan

SCA
Loan

Benef.
Share

Bank/
Financial
Inst. Share

NBCFDC
To
SCA

SCA
To
Benef.

 

%age  of Project cost

 

 

1.

Term Loan

Rs.10,00,000

85%

10%

05%

--

3%p.a. (upto 5.0 Lakh)

5%p.a.(Above 5.0 Lakh)

6%p.a.(upto (5.0 Lakh)

8%p.a.(Above 5.0Lakh)

(a)

New Akanksha - Education Loan

Study in India : Rs. 10 Lakh

Study Abroad : Rs. 20 Lakh

90%

05%

05%

--

  1.5% p.a.

4% p.a.

(Rate of interest 3.5% p.a. for girl students)

(b)

New Swarnima ¨C for women

Rs.1,00,000

95%

05%

--

--

2% p.a.

5% p.a.

(c)

Shilp Sampada

Rs.10,00,000

85%

10%

05%

--

3%p.a. (upto 5.0 Lakh)

5%p.a.(Above 5.0 Lakh)

6%p.a.(upto (5.0 Lakh)

8%p.a.(Above 5.0Lakh)

(d)

Saksham

Rs.10,00,000

85%

10%

05%

--

3%p.a. (upto 5.0 Lakh)

5%p.a.(Above 5.0 Lakh)

6%p.a.(upto (5.0 Lakh)

8%p.a.(Above 5.0Lakh)

2.

Margin Money Loan

Rs.10,00,000

40%

05%

05%

50%

3%p.a. (upto 5.0 Lakh)

5%p.a.(Above 5.0 Lakh)

6%p.a.(upto (5.0 Lakh)

8%p.a.(above 5.0 Lakh)

 

 

 

 

 

 

 

 

SCA to Beneficiary
NGOs/SHGs

3.

(a)

Micro Finance Scheme

Micro Finance

 

Rs.25,000

 

90%

 

05%

 

05%

 

--

 

2% p.a.

 

5% p.a.

(b)

Mahila Samriddhi ¨C  
for  women

Rs.25,000

95%

05%

--

--

1% p.a.

4% p.a.

(c)

Krishi Sampada 

Rs.25,000

95%

05%

--

--

1% p.a.

4% p.a.

 

Utilization of Loan & Interest Rates for unutilised funds  :                      The SCAs are to required utilize the funds drawn from NBCFDC within 90 days of  its release.

Slab-wise rate of interest  :-

                             Utilization                                                           Rate of Interest
                                      (Days)                                                             (p.a.)

                                   1 - 90 days                                                                    3%
                                    91 - 180 days                                                                6%
                               * Above 180 days                                                               8%

* The SCAs are required to refund the unutilized funds incase the funds are not utilized within 180 days of release.