बिहार के आरा की रानी देवी — OBC category — कपड़े सिलने का काम करती थीं घर पर। मशीन पुरानी थी, business बढ़ाना था। Bank loan नहीं मिल रहा था — कोई guarantee नहीं थी। किसी ने New Swarnima Scheme बताई। नज़दीकी SCA office गईं — ₹2 लाख loan मिला — 5% ब्याज पर — कोई guarantee नहीं लगी। दो नई मशीनें ली — monthly income तीन गुना हो गई।
New Swarnima Scheme for Women — Ministry of Social Justice & Empowerment की एक महत्वपूर्ण loan scheme। Backward Classes की महिलाओं को self-employment के लिए ₹2 लाख तक का loan — सिर्फ 5% ब्याज पर। NBCFDC (National Backward Classes Finance & Development Corporation) द्वारा implemented।
Official Portal: 👉 nbcfdc.gov.in
💡 Quick Answer: Scheme: ₹2 लाख loan @ 5% per annum — OBC/backward class women Who: 18–55 years — OBC women — income ₹3 लाख से कम Apply: Nearest SCA office — offline SCA Locator: nbcfdc.gov.in → Channel Partners → SCAs No collateral, no own investment required Helpline: 011-23313177 | [email protected]
New Swarnima Scheme — क्या है?
WHO: OBC (Other Backward Classes) + economically backward class women WHAT: ₹2 lakh term loan for self-employment FROM: NBCFDC → State Channelising Agency (SCA) → Beneficiary INTEREST: 5% per annum (NBCFDC to SCA = 2%, SCA to beneficiary = 5%) REPAYMENT: Maximum 8 years — quarterly instalments COLLATERAL: Zero — no guarantee required
Eligibility — कौन Apply कर सकती हैं?
- ✅ Female — महिला होना ज़रूरी
- ✅ Age: 18 से 55 साल
- ✅ Category: OBC / Backward Class (State/Central सूची में)
- ✅ Annual family income: ₹3 लाख से कम
- ✅ Self-employment शुरू करना चाहती हों
- ✅ Indian citizen
OBC certificate: District Magistrate / SDO / Tehsildar से मिलेगा।
Benefits — क्या मिलेगा?
| Feature | Details |
|---|---|
| Loan Amount | ₹2,00,000 (₹2 लाख) |
| Interest Rate | 5% per annum |
| Repayment Period | Maximum 8 साल (quarterly instalments) |
| Moratorium | 6 months — principal recovery से पहले |
| Own Investment | Zero — पूरा ₹2 लाख government देती है |
| Collateral | Zero — कोई guarantee नहीं |
| Disbursement | Directly bank account में |
₹2 लाख से कम project cost: पूरा loan मिलेगा — खुद कुछ नहीं लगाना।
SCA क्या है — Kahan Apply Karein?
SCA = State Channelising Agency — राज्य का nodal agency जो loan process करती है।
SCA kaise dhundhen:
Step 1: nbcfdc.gov.in → “Channel Partners” → “SCAs”
Step 2: अपना State select करें
Step 3: नज़दीकी SCA office का address + phone मिलेगा
हर state में अलग SCA होती है। उदा. Bihar = BCCF, UP = UPBCFDC, Rajasthan = RAJFIN।
Apply कैसे करें — Step by Step
Step 1: nbcfdc.gov.in → Channel Partners → SCAs → अपनी state की SCA ढूंढें
Step 2: SCA office जाएं → “New Swarnima Scheme” form माँगें (free)
Step 3: Form fill करें:
- Personal details
- Business plan (क्या काम करना है)
- Training requirement
- Bank account details
Step 4: Documents attach करें
Step 5: SCA office में submit करें
Step 6: SCA review करेगी → eligible होने पर loan sanction
Step 7: ₹2 लाख directly bank account में → business शुरू करें
Documents Required
| Document | Details |
|---|---|
| Aadhaar Card | Identity proof |
| OBC/Backward Class Certificate | SDO/Tehsildar से |
| Income Certificate | Annual family income ₹3 लाख से कम |
| Bank Passbook | Account details |
| Passport Photo | 2 copies — recent |
| Business Plan | किस काम के लिए loan चाहिए |
| Address Proof | Voter ID / Ration Card |
किस Business के लिए मिलेगा?
कोई भी income-generating activity:
- ✅ Tailoring / Stitching
- ✅ Beauty parlour
- ✅ Dairy / Animal husbandry
- ✅ Vegetables / Fruits selling
- ✅ Handicrafts / Weaving
- ✅ Small shop / Kirana store
- ✅ Agricultural activities
- ✅ Any service / trade business
SCA business plan review करती है — viable project होना चाहिए।
New Swarnima vs Mahila Samridhi Yojana
दोनों NBCFDC schemes हैं — फर्क:
| New Swarnima | Mahila Samridhi Yojana | |
|---|---|---|
| For | OBC women | SC women |
| Amount | ₹2 lakh | ₹1.25 lakh |
| Interest | 5% | 4% |
| Category | Backward Classes | Scheduled Castes |
Loan Repayment
- Quarterly instalments — 3 महीने में एक बार
- Moratorium: पहले 6 months में सिर्फ interest
- Maximum 8 साल में repay करना है
- Timely repayment = अगली बार fresh loan के लिए eligible
Common Problems + Fix
“SCA office नहीं मिल रही”: nbcfdc.gov.in → Channel Partners → SCAs → State select → List milegi।
“OBC certificate नहीं है”: District Magistrate / SDO / Tehsildar office → Caste certificate apply karein।
“Loan reject हो गया”: SCA se rejection reason लें → Income proof ya business plan weak था → revise karke reapply।
FAQ
New Swarnima Scheme 2026 mein kitna loan milta hai? ₹2 लाख — 5% ब्याज per annum — 8 साल repayment — no collateral — no own investment।
Apply kahan karein? Nearest SCA office। Locator: nbcfdc.gov.in → Channel Partners → SCAs।
Online apply hota hai? Abhi offline process hai — SCA office visit zaroori। NBCFDC portal par details milti hain।
OBC certificate kahan se milega? District Magistrate / SDO / Tehsildar office se। State portal se bhi apply hota hai।
Repayment period kitna hai? Maximum 8 saal — quarterly instalments। 6 months moratorium।
Helpline: 011-23313177 | [email protected]
Official Links
| Purpose | Link |
|---|---|
| NBCFDC Official | nbcfdc.gov.in |
| SCA Locator | nbcfdc.gov.in → Channel Partners → SCAs |
| Scheme Details | nbcfdc.gov.in → Loan Schemes → New Swarnima |
| Helpline | 011-23313177 |
रानी देवी की income तीन गुना हो गई — ₹2 लाख loan से दो मशीनें लीं।
OBC/Backward Class महिला हैं — business शुरू करना है — nbcfdc.gov.in पर अपनी SCA ढूंढें और apply करें।
यह article nbcfdc.gov.in official portal और Ministry of Social Justice & Empowerment sources पर आधारित है।