New Swarnima Loan Scheme for Women : New Swarnima Loan Scheme: Eligibility, Features, and Benefits. State-wise Beneficiary Data and Fund Utilization Details Provided. Empowering Women of Backward Classes for Self-Dependence.
GOVERNMENT OF INDIA
MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT
LOK SABHA
UNSTARRED QUESTION N0.655
TO BE ANSWERED ON 06.02.2024
NEW SWARNIMA LOAN SCHEME
655. SURI JAYANT SINHA
Will the Minister of SOCIAL JUSTICE AND EMPOWERMENT be pleased to state:
(a) the details and salient features of the New Swarnima Loan Scheme of the National Backward Classes Finance and Development Corporation (NBCFDC);
(b) the total number of beneficiaries under the scheme, State-wise including district-wise in Jharkhand; and
(c) the details of funds allocated and utilised under the said scheme?
ANSWER
MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT
(SUSHRI PRATIMA BHOUMIK)
(a): The details and salient features of the New Swarnima Loan Scheme of the National Backward Classes Finance and Development Corporation (NBCFDC) is appended at Annexure-A.
(b): The total number of beneficiaries assisted under the scheme during last 5 years and current year State/UT-wise including Jharkhand is attached at Annexure-B.
District-wise data is not maintained by NBCFDC.
(c): The details of funds allocated/disbursed and utilized under the loan schemes including New Swarnima Scheme upto 25.01.2024 is attached at Annexure-C.
Annexure-A
The details & salient features of the New Swarnima Loan Scheme of NBCFDC
“NEW SWARNIMA SCHEME FOR WOMEN”
Objectives
- Inculcating the spirit of self-dependence among the women of Backward Classes under Term Loan.
Eligibility
- The women belonging to Backward Classes as notified by the Central/ State Governments from time to time shall be eligible for loan under this scheme.
- Applicant’s annual family income should be less than Rs.3.00 Lakh.
Salient Features
- The target group of the “New Swarnima” scheme of NBCFDC is the women belonging to Backward Classes having annual family income less than Rs.3.00 Lakh.
- The beneficiary women is not required to invest any amount of her own on the projects upto cost of Rs.2,00,000/-.
- The rate of interest on the amount of loan is less as compared to the general loan scheme of the Corporation.
Maximum Loan Amount Rs. 2.00 Lakh (per beneficiary)
Pattern of Financing
- 1. NBCFDC Loan : 95%
- 2. Channel Partner Contribution : 05%
Rate of Interest
- 1. From NBCFDC to Channel Partner : 2%p.a.
- 2. From Channel Partner to beneficiary : 5%p.a.
Repayment
- Loan is to be repaid in quarterly instalments with maximum 8 years (including the moratorium period of six months on the recovery of principal).
Annexure-B
Total Number of beneficiaries assisted under New Swarnima Scheme during last5 years and current year State/UT-wise
|
S. No. |
Name of State/UT |
2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 (as on 25.01.2024) |
| (Nos.) | (Nos.) | (Nos.) | (Nos.) | (Nos.) | |||
| 1. | Andhra Pradesh | 39 | 15 | – | – | – | |
| 2. | Andaman & Nicobar | 1 | |||||
| 3. | Assam | 9 | 61 | – | – | – | |
| 4. | Bihar | 46 | I | – | – | – | |
| 5. | Chandigargh | – | – | – | – | ||
| 6. | Chhattisgarh | 1 4 | 21 | 20 | – | – | – |
| 7. | Delhi | 34 | 5 | – | – | ||
| 8. | Goa | 50 | – | 25 | – | ||
| 9. | Gujarat | 239 | 1 16 | 230 | 280 | 180 | |
| 1 0. | Haryana | 400 | 21 | – | 1 00 | – | – |
| II. | Himachal Pradesh | 9 | 8 | 8 | 50 | 250 | |
| 1 2. | Jammu & Kashmir | 48 | 200 | 1 60 | 275 | 1 00 | 9 |
| 13. | Jharkhand | 12 | 1 | – | – | – | |
| 14. | Kamataka | 226 | 72 | – | – | ||
| 1 5. | Kerala | 880 | 749 | 2020 | 5420 | 3940 | 6 |
| 16. | Madhya Pradesh | 128 | 218 | 37 | – | – | – |
| 1 7. | Maharashtra | 43 | 6 | – | – | ||
| 18. | Manipur | I | 1 | – | – | – | |
| 19. | Odisha | 34 | I | – | – | ||
| 20. | Punjab | 320 | 348 | 541 | 1434 | 678 | 316 |
| 21. | Puducherry | 6 | – | ||||
| 22. | Rajasthan | 222 | 937 | 553 | – | – | |
| 23. | Tamil Nadu | 433 | 733 | 2040 | – | – | 876 |
| 24. | Telangana | 12 | 7 | – | – | – | |
| 25. | Tripura | 385 | |||||
| 26. | Uttar Pradesh | 528 | 147 | 335 | 200 | 400 | – |
| 27. | Uttarakhand | 10 | 7 | – | |||
| 28. | West Bengal | 4 | |||||
| Total | 3616 | 3938 | 6193 | 7764 | 5573 | 1211 |
Annexure-C
The details of funds allocated/disbursed and utilized under Loan Schemes including New Swarnima Scheme upto 25. 01.2024
| SI. No | Name of State/UTs/PSBs | Cumulative (u >to 25.01.2024) | |
| I | STATES | Fund Allocated/Disbursred (Rs./Cr.) | Fund Utilised (Rs./Cr.) |
| I | Andhra Pradesh | 268.12 | 253.00 |
| 2 | Arunachal Pradesh | 0.00 | 0.00 |
| 3 | Assam | 77.79 | 77.29 |
| 4 | Bihar | 59.13 | 59.13 |
| 5 | Chattisgarh | 73.00 | 73.00 |
| 6 | Goa | 28.63 | 27.75 |
| 7 | Gujarat | 315.82 | 315.60 |
| 8 | Haryana | 145.1 1 | 142.72 |
| 9 | Himachal Pradesh | 105.79 | 104.08 |
| 10 | Jharkhand | 23.92 | 22.72 |
| II | Kamataka | 488.61 | 488.42 |
| 12 | Kera la | 2256.76 | 2236.63 |
| 13 | Madhya Pradesh | 205.22 | 205.22 |
| 14 | Maharashtra | 258.27 | 257.62 |
| 15 | Manipur | 26.81 | 26.81 |
| 16 | Meghalaya | 0.05 | 0.05 |
| 17 | M izoram | 0.02 | 0.02 |
| 18 | Nagai and | 0.08 | 0.08 |
| 19 | Odisha | 19.65 | 19.65 |
| 20 | Punjab | 205.16 | 199.09 |
| 21 | Rajasthan | 147.84 | 142.84 |
| 22 | Sikkim | 32.59 | 31 .49 |
| 23 | Tam ilNadu | 1212.22 | 1206.19 |
| 24 | Telangana | 29.88 | 29.88 |
| 25 | Tripura | 196.48 | 190.44 |
| 26 | Uttar Pradesh | 465.78 | 460.27 |
| 27 | Uttrakhand | 9.88 | 9.88 |
| 28 | West Bengal | 1 10.26 | 1 10.26 |
| Sub Total States ( 1to 28) | 6762.91 | 6690.16 | |
| II. | UTs | ||
| 29 | A&N Islands | 0.05 | 0.05 |
| 30 | Chand igarh | 1.38 | 1.33 |
| 31 | D&N Haveli | 0.05 | 0.05 |
| 32 | Daman & Diu | 0.00 | 0.00 |
| 33 | NCT of Delhi | 6.07 | 6.07 |
| 34 | Jammu & Kashmir | 51 .66 | 48.97 |
| 35 | Lakshadweep | 0.00 | 0.00 |
| 36 | Pud ucherry | 79.97 | 79.97 |
| Sub Total ( 29 to 36) | 139.16 | 136.42 | |
| Total (Ito II) | 6902.07 | 6826.58 | |
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