Jammu and Kashmir SC Loan Schemes

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Jammu & Kashmir Scheduled Castes Development Corporation

Jammu and Kashmir SC Loan Schemes: Jammu & Kashmir Scheduled Castes, Scheduled Tribes, and Backward Classes Development Corporation have established in the year 1986 under the state government of Jammu & Kashmir which is also an owned department which functions under the Ministry of Social Welfare. The corporation of Jammu and Kashmir is maintained by the directors of the corporation of both state and central government. Represented for the socio-economic development of various targeted groups like Scheduled Castes, Scheduled Tribes, Backward Classes, National Minorities, Safai Karamcharis / Scavengers, Handicapped and Manual Scavengers communities. To provide a better life for the targeted groups in Jammu and Kashmir, by providing various schemes for the socio-economic development.

Jammu and Kashmir SC Loan Schemes

The Jammu and Kashmir for SC development organization when compared with another state of similar sectors, the Jammu and Kashmir government subsidy schemes got a wide range. The Jammu and Kashmir govt loan scheme, scholarships, and education loan scheme targeted for scheduled castes of Jammu and Kashmir. The govt of Jammu and Kashmir state has totally targeted the poor families of scheduled caste to develop them, Jammu and Kashmir Scheduled caste development corporation provide the various schemes and loans are provided for the Scheduled Castes community of Jammu and Kashmir. To develop the SC candidates of Jammu and Kashmir, promoting social objectives like Financial support, Education, Shelter, Food clothing, and Health under the welfare schemes.

Jammu & Kashmir government Schemes for Scheduled Castes

Jammu & Kashmir govt provides various schemes and corporation loans for the development of various targeted groups like Scheduled Castes, Scheduled Tribes, Backward Classes, Notified National Minorities, Safai Karamcharies/ Scavengers and Handicapped (Persons with Disabilities). Jammu & Kashmir SC development Corporation provides various subsidy with Bank Loan Assistance under Bank Tie-up scheme and loans on concessional rates of interest under direct financing scheme. For the improvements of Socio economic standard’s, Jammu & Kashmir SC corporation provides several schemes for the income generating units in several activities.

 

Scheduled Castes Loans in Jammu and Kashmir 2018:

Interested candidates can apply the Jammu and Kashmir SC loans 2018-19 Notification. Candidates who are studying at various levels of education can also get scholarships under J&K SC Scholarships scheme. Jammu and Kashmir scheduled castes loans scheme is implemented under financial support shall be granted to the students for their living expenses, Books, tuition fees and educational materials, other incidental expenses. Candidates those who are looking for Scheduled Castes Corporation Loans in J & K 2018-19 and their parents should belong to SC Community category only they are eligible for this loans. The Scheduled Castes Corporation loans are available for SC candidates in Jammu Kashmir. Aspirants who are applying for SC loans those family annual income is less than or equal to 70,000 are eligible for this loans.

List of Scheduled Castes in Jammu and Kashmir

1. Barwala,
2. Basith,
3. Batwal,
4. Chamar or Ramdasia,
5. Chura,
6. Dyar,
7. Doom or Mahasha,
8. Gardi,
9. Jolaha,
10. Megh/Kabirpanthi,
11. Ratal,
12. Saryara,
13. Watal

Jammu & Kashmir Scheduled Castes Schemes

  1. Scheme with Bank Assistance (BANK TIE-UP SCHEME):
  2. Scheme for Scheduled Castes in collaboration with “National Scheduled Castes Finance & Development Corporation (NSFDC), Ministry of Social Justice & Empowerment (MSJ&E), Govt. of India, New Delhi
  3. Educational loan Scheme for Scheduled Castes students.
  4. SKILL DEVELOPMENT/ TRAINING PROGRAMMES.
  5. MARKETING LINKAGES

Jammu and Kashmir SC Loan Schemes

Scheme with Bank Assistance Or Bank Tie up scheme

Candidates those who belong to Scheduled Castes community and that poverty line is below those can apply for the Scheme with Bank Assistance Or Bank Tie up a scheme of Jammu and Kashmir SC Development Corporation. The residents of Jammu and Kashmir and who are sustaining their lives with their own resources of Scheduled castes candidates of Jammu and Kashmir those can avail this Bank Tie up a scheme of Jammu and Kashmir. The department provides various loans for the eligible candidates through banks under “SERVICE AREA APPROACH” for financing. The J&K SC Development Corporation provides various subsidy loans up to 50% which is 10000 for each applicant. All the financing comes under the Special Central Assistance (SCA) for the Poor families of scheduled caste Sub plan and the remaining balance amount of unit cost is by Bank loan.

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ELIGIBILITY CRITERIA FOR Scheduled Castes BANK TIE-UP SCHEME:

  • Applicant should be Resident of Jammu and Kashmir State
  • The beneficiary should belong to Scheduled Castes community.
  • Applicant financial status should be less than double the poverty line, i.e; The annual income of the candidate family income for rural areas should be less than Rs: 40,500/- and in urban areas Rs: 51,500 lac. Candidates those who satisfy the annual income eligibility criteria only those can obtain J&K SC Bank tie up the loan.
  • Applicant should not be a holder of any financial institution.
  • Candidate should not have already availed the benefit of any scheme of this corporation.
  • The SC candidate who is interested in avail the bank tie-up scheme should have necessary skill/ experience in the activity.

Scheme for Scheduled Castes in collaboration with “National Scheduled Castes Finance & Development Corporation (NSFDC), Ministry of Social Justice & Empowerment (MSJ&E):

Scheduled Castes of Jammu & Kashmir has collaborated with National Scheduled Castes Finance & Development Corporation (NSFDC)To support the people who are sustaining their individual lives under the double of the poverty line, Jammu & Kashmir Scheduled Castes Development Corporation has targeted those people and issued several helpful and revolutionary financial assistance welfare schemes.

Eligible Criteria:

  • Applicant should be Resident of Jammu and Kashmir State
  • The beneficiary should belong to Scheduled Castes community.
  • Applicant financial status should be less than double the poverty line, i.e; The annual income of the candidate family income for rural areas should be less than Rs: 81,000/- and in urban areas Rs: 10,0300 lac. Candidates those who satisfy the annual income eligibility criteria only those can obtain this loan.
  • Applicant should not be a holder of any financial institution.
  • Candidate should not have already availed the benefit of any scheme of this corporation.
  • The SC candidate who is interested in avail the bank tie-up scheme should have necessary skill/ ex

Applicants those who are interested in avail loan for the purchase of vehicle must have a valid driving license for the type of vehicle applied for.

Educational loan Scheme for Scheduled Castes students

The Corporation of NSFDC provides educational loan for the poor families of Scheduled castes those who are from Jammu & Kashmir state. New Delhi is providing educational loans for various students of SC community by providing technical education in Jammu and Kashmir also Abroad. 20 Lac loan is sanctioned for the SC student in Abroad and 10 Lac loan is sanctioned for the SC students those who are interested to pursue in India. The rate of interest from the beneficiary for a male is up to 4% and 3.50% for female. The repayment of the loan is commenced for every 6 months completion of course.

Skill Development / Training Programmes:

J&K Scheduled caste Development corporation has been providing various schemes and SKill development scheme is one of the programmes under, It provides training to the focused community to encourage and support them by providing the skills to enhance their knowledge for self-employment. Under the Skill Development / Training Programmes, the corporation provides various schemes such as vocational training and skill development programme. Corporation arranges different skills with the collaboration of NSFDC. The Jammu and Kashmir SC development Corporation bears training cost 100 percent.

If you have any doubts, visit NSFDC official website and check out the Skill Development / Training Programme details.

Marketing Linkages:

Apart from other development schemes, The J&K SC development Corp has promoted various facilities for the candidates by promoting several opportunities to the eligible candidates in India such as India International Trade Fair, Dilli Haat, Surajkund Craft Mela as well as in exhibitions/fairs which are developed in other states of India which were on occasions and festivals etc. Candidates those who are applied for the Marketing Linkages scheme they will get an opportunity for their products at good price. Following are the activities which can assist a different range of activities under board sectors such as:

  • Transport Sector activities
  • Agriculture & Allied Activities;
  • Small Business/ Trade
  • Tiny/ Cottage industry or Service activities.
  • Artisan & Traditional activities

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