NSFDC Income-Generating Credit Schemes

What it is

Finance self-employment and income-generating activities for eligible Scheduled Caste beneficiaries while providing channel-partner, skill-development and market-linkage support.

What you get

• Track-specific concessional income-generating credit through NSFDC channel partners

Who it is for

• applicant must belong to the Scheduled Caste community and hold a valid caste certificate
• annual family income from all sources must not exceed INR 5 lakh for loan assistance, stated as applicable from 7 January 2026 and subject to amendment
• project or activity must be legal and viable under the selected credit track
• application must be routed through an authorized State Channelizing Agency or other channel partner; direct applicant correspondence to NSFDC is not the loan route
• product-specific project cost, loan ceiling, interest, margin, moratorium and repayment terms apply

How to apply

1. 1
   Choose the appropriate NSFDC credit track

   Compare MFS, AMY, Term Loan and Udyam Nidhi project-cost and repayment boundaries without combining their ceilings.

   Official step
2. 2
   Prepare eligibility and project documents

   Collect SC certificate, family-income proof, KYC, project/business plan, cost estimates and any channel-partner documents.

   Official step
3. 3
   Apply through an authorized route

   Use PM-SURAJ where available or approach the relevant SCA/authorized channel partner; do not submit directly to NSFDC as if it were a direct lender branch.

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4. 4
   Complete appraisal and repayment setup

   The channel partner evaluates the project, confirms the track, documents interest/margin/security and processes disbursement and repayment.

   Official step

Keep ready