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Schemes for Scheduled Tribes

List of Scheduled Tribes:

As declared vide constitution (J&K) Scheduled Tribes order, 1989 (as amended vide order no. 3 of 1991 and order no. 36 of 1991):

1. Balti,
2. Beda,
3. Botboto ,
4. Brokpa Drokpa, Dara, Shin,
5. Changpa,
6. Garra ,
7. Mon,
8. Puripa,
9. Gujjar ,
10. Bakarwal,
11. Gaddi,
12. Sippi

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

The Scheduled Tribes Category persons who are permanent resident of J&K State, living Below the Poverty Line(BPL) 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 50% of the project cost subject to maximum Rs. 10000/- per beneficiary under Special Central Assistance(SCA) to Tribal Sub- Plan(TSP) and rest of the amount of unit cost is the Bank Loan.


  • One should be permanent Resident of J&K State
  • One should be a member of Scheduled Tribes 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) Scheme for Scheduled Tribes persons in collaboration with “National Scheduled Tribes Finance & Development Corporation (NSTFDC), Ministry of Tribal Affairs (MTA), Govt. of India, New Delhi”.

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


  • One should belong to Scheduled Tribes 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 98,000/= p.a. for Rural and Rs.1,20,000/= p.a. for Urban areas (prescribed by NSTFDC/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

Type of Loan
Max. cost of Project
Apex Corp. Share
State Corp Share
Benef. Share
Rate of Interest
Repayment period in monthly installments
Term Loan
25.00 Lacs
upto Rs.5.00 Lac= 6%
above Rs.5.00 Lacs=10%
54 (upto Rs.5.00 Lacs)
66-72 (above Rs.5.00 Lacs)
AdhiVasi Mahilla Sashaktikaran Yojana(AMSY)
1.00 Lacs
Micro Credit
(through Self Help Groups)
Rs.0.35 Lac to individual benef. & Rs.5.00 Lac per SHG)
Four years

(C ) Educational loan Scheme for Scheduled Tribes students

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

Type of Loan
Max. Loan Amt.
Rate of Interest
Repayment period
Educational Loan
5.00 Lacs (including benef. Share)
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 NSTFDC, New Delhi or other sources. The corporation bears 100% cost of training.

For more details website of NSTFDC, www.nstfdc.nic.in and the Ministry of Tribal Affairs, Govt. of India; www.tribal.nic.in can be viewed.

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 activitie
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