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Schemes for Backward Classes


List of Backward Classes

Updated List of Backward Classes communities as incorporated in Central List of OBC in respect of J&K State:

1. Bahach Hanjie & Shikara Wallas(Excluding House-boat owners)
2. Bangi, (Sweepers) Bhangi, ( Excluding those in Scheduled Castes) Khakrob
3. Barbers(Rural Only).
4. Bhand
5. Dambali Faqir
6. Doom , ( Excluding those in Scheduled Castes).
7. Fishermen including Gada Hanz
8. Grati(Rural only)
9. Jheewar
10. Kulfaqir
11. Kumhar, Kumahar (village Potters)
12. Madari, Bazigar
13. Mirasi
14. Sansi
15. Shaksaz
16. Shoe-repairers(working without the aid of machines)
17. Shupri Wattal, ( Excluding those in Scheduled Castes)
18. Sikligar
19. Teeli, Teli (Rural only)
20. Village Washermen
21. Lohar/Tarkhan
22. Labana
23. Sheer-Gojries

(A) Scheme with Bank Assistance (BANK TIE-UP SCHEME)

The Backward Classes category persons who are permanent resident of J&K State, living below the poverty line and are not defaulters of any financial institution can avail this scheme, to establish the income generating unit costing upto Rs.1.00 Lac. The corporation sponsors loan proposals of eligible persons to various banks in accordance with the “SERVICE AREA APPROACH” for financing. The corporation provides subsidy upto 33.33% of the project cost subject to maximum Rs. 3000/- per beneficiary out of State Plan and rest of the amount of unit cost is the Bank Loan.

ELIGIBILITY CRITERIA FOR BANK TIE-UP SCHEME:

  • One should be permanent Resident of J&K State
  • One should be a member of Backward Classes category
  • One should have the Annual family income below the Poverty Line (BPL), i.e. Rs.40500/= p.a. for Rural and Rs.51500/= p.a. for Urban areas (notified by the Govt. of India from time to time).
  • One should not be a defaulter of any financial institution.
  • One should not have already availed the benefit of subsidy.
  • One should having necessary skill/ experience in the activity/ trade applied for.


(B) Schemes for Backward Classes in collaboration with “National Backward Classes Finance & Development Corporation (NBCFDC), Ministry of Social Justice & Empowerment (MSJ&E), Govt. of India, New Delhi”.

The Financing schemes for socio-economic upliftment of eligible Backward Classes category persons to establish income generating unit is available in collaboration with’ National Backward Classes Finance & Development Corporation(NBCFDC), Govt. of India, New Delhi.


ELIGIBILITY CRITERIA FOR SCHEME INCOLLABORATION WITH “ NBCFDC” ( including EDUCATIONAL LOAN/SKILL DEVELOPMENT/TRAINING PROGRAMMES):

  • One should belong to Backward Classes category.
  • One should be permanent resident of the J&K State.
  • One should have the Annual family income below Double the Poverty Line ( DPL), i.e. Rs 81,000/= p.a. for Rural and Rs.1,03000/= p.a. for Urban areas(Prescribed by NBCFDC/Govt.of India)
  • One should be unemployed
  • One should having necessary skill/ experience in the activity/ trade applied for.
  • The applicant who intends to avail loan for purchase of vehicle should have valid driving license for the type of vehicle applied for.
  • One should not be a defaulter of any bank/ financial institution.


Financing Programmes

S.No
Type of Loan
Max. cost of Project
Apex Corp. Share
State Corp Share
Benef. Share
Rate of Interest
Repayment period in monthly installments
01
Term Loan
10.00 Lacs
85%
10%
5%
uptoRs.5.00 Lac= 6% above Rs.5.00 Lacs=8%
54
02
Saksham Scheme
(for young Professionals)
10.00 Lacs
85%
10%
5%
uptoRs.5.00 Lac= 6% above Rs.5.00 Lacs=8%
54
03
Shilp Sampada
(for artisans)
10.00 Lacs
85%
10%
5%
uptoRs.5.00 Lac= 6% above Rs.5.00 Lacs=8%
54
04
New Swarnima
(for women)
1.00 Lac
95%
5%
Nil
5%
54
05
Micro Credit Finance (MCF)
0.50 Lac
90%
5%
5%
5%
36
06
Mahilla Samridhi Yojana (MSY)
0.50 Lac
95%
5%
Nil
4%
36
07
Krishi Sampada
0.50 Lac
90%
5%
5%
4%
36


(C ) Educational loan Scheme for Backward Classes students

The corporation in collaboration with NBCFDC is providing Educational Loan to the students of the target group for pursuing professional /Technical courses in India and abroad, at the following funding pattern:

Type of loan

Max. Quantum of Loan for study (Amt.in Lakhs) including benef. Share

Rate of interest

Repayment

In India

In Abroad

Educational Loan

10.00

20.00

4% for male & 3.50 % for female

Repayment shall be commenced after six months of completion of course or getting employment whichever is earlier)


(D). Skill Development Programme:

The corporation has been undertaking various skill development programme by imparting training to the candidates of the target groups to develop their skills and knowledge with a view to enhance their competence for wage employment /self employment. Under the scheme the corporation arranges need based vocational training/ skill development programme with the financial support from NBCFDC or other sources. The corporation bears 100% cost of the Training.

For more details websites of NSFDC, www.nbcfdc.org.in and the Ministry of Social Justice & Empowerment, Govt. of India; www.socialjustice.nic.in can be viewed.


(E). MARKETING LINKAGES

Besides other development activities, the corporation is promoting facilities for its beneficiaries by providing opportunities to participate in the country’s leading fairs like; India International Trade Fair, Dilli Haat, Surajkund Craft Mela as well as in exhibitions/fairs organized in other States on important occasions and festivals etc. The events not only give much needed marketing exposure to these artisans/beneficiaries but also provide an opportunity to market their products at good price which usually they find difficult in their own places.

The corporation can assist a wide range of activities for financing mainly under the following broad sectors:

  • Transport Sector activities
  • Agriculture & Allied Activities;
  • Small Business/ Trade
  • Tiny/ Cottage industry or Service activities.
  • Artisan & Traditional activities
Copyright © 2016 J&K SC,ST & BC Dev.Corporation Ltd, 715-A, Last Morh, Gandhi Nagar, Jammu - 180004
Telephone/ Fax: +91-0191-2433229