About this scheme
National Scheduled Tribes Finance and Development Corporation provides concessional credit for Scheduled Tribe entrepreneurs. Term loans, microcredit, education loans at 4-8% interest. Marketing assistance for tribal products.
What you get
- Term loan up to Rs. 50 lakh at 4-8% interest
- Microcredit up to Rs. 1 lakh at 5%
- Education loan up to Rs. 30 lakh at 4%
- Marketing assistance for tribal products + e-commerce
- No collateral up to Rs. 1.4 lakh
- Repayment up to 10 years
Who qualifies
Members of Scheduled Tribe families with annual family income up to Rs. 1.5 lakh (rural) / Rs. 2 lakh (urban). Includes farming, microbusiness, services, education, and skill development.
All industries qualify (no NIC restriction).
Available across India (central scheme).
How to apply
- 1Apply to State Channelizing Agency (Tribal welfare dept)
- 2Submit ST certificate + income proof + project
- 3SCA evaluation; NSTFDC sanction
- 4Disbursement via SCA
- 5Annual income reverification
Key terms and conditions
- Strict income ceilings — proof required
- Annual income certificate renewal
- Loan utilisation audit
What disqualifies you
- Non-ST applicants ineligible
- Income above ceilings excluded
- Defaulters at SCA/banks rejected
Documents typically required
- ST certificate
- Aadhaar
- PAN
- Project report
- State Channelizing Agency referral
The content above is compiled from public information published by the scheme authority. Eligibility, benefits, and procedures are subject to change. Confirm details directly with the official portal before applying. BharatSeal does not process scheme applications.