Swarnim Loan Yojana for Women

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Swarnim Loan Yojana Women
Swarnim Loan Yojana Women

The Government of India is constantly trying to upgrade every class. In the same episode, many schemes are running for the economic and social self -reliance of women. One such important plan is the Swarnim Loan Yojana. This scheme is specially made keeping in mind the backward class women, which aims to help them further in the field of entrepreneurship and make them self -sufficient.

Let us know in detail about the Swarnim Loan Yojana for women through this blog, understand its eligibility, profit, application process and other important information.

What is Swarnim Loan Yojana?

The Swarnim Loan Yojana is a social loan scheme run by the National Backward Class Finance and Development Corporation (NBCFDC).

The scheme provides financial assistance to backward class women to establish self -employment. Under this scheme, eligible women can get a loan up to a maximum of Rs 2 lakh without mortgaging any property.

Objective of the Swarnim Loan Yojana 2024

  • Economic empowerment of women of backward classes.
  • To motivate women to adopt self -employment.
  • Developing small scale industries in rural and urban areas.
  • To promote entrepreneurship in backward class society.
  • To improve the standard of living of women.

Major benefits of the Swarnim Loan Yojana

  • Economic Freedom:

Golden debt enables women to start their own enterprise, making them a permanent source of income. This not only rises their economic level, but also improves the social status of the family.

  • Skill development:

Along with loan, the government also provides entrepreneurship development training to women under the scheme. With this, women learn to run their business efficiently and move towards becoming a successful entrepreneur.

  • Social Inclusion:

Through the scheme, women of backward classes get an opportunity for self -reliance, which increases their participation in society and gives them rights to equality.

  • Rural Development:

This scheme encourages women to start self -employment in rural areas, which strengthens the rural economy and increases employment opportunities.

Swarnim Loan Yojana Eligibility

  • The beneficiary should be related to women backward classes.
  • The annual income of the applicant’s family should be less than Rs 3 lakh.
  • The age of the applicant should be more than 18 years and below 55 years.
  • Applicants should not be the beneficiary of any other government self -employment scheme.
  • The applicant should not already have any self -employment venture.
  • The applicant will have to complete entrepreneurship development training.

Major points of the Swarnim loan yojana amount

  • loan amount: maximum Rs 2 lakh
  • Interest rate on loan for NBCFDC From channel partner: 2% per year
  • Interest rate to beneficiary from channel partner: 5% Per year
  • Report of loan: 8 years in quarterly installments (including 6 months of moretorium period)
  • Property mortgage: not necessary
  • Guarantee: Two approved guarantees required

How to Swarnim loan yojana apply online

The following methods can be adopted to apply for Swarnim loan yojana:

  • NBCFDC website: www.nbcfdc.gov.in
  • State Channeling Agencies (SCA): Application can be made through SCA offices appointed by NBCFDC in each state.
  • Bank Branches: Some bank branches also accept loan applications under the Golden Loan Scheme.

Apply Link

Contact information For Swarnim loan yojana

  • NBCFDC website: www.nbcfdc.gov.in
  • Toll-free number: 18001023399
  • Office of the concerned State Channeling Agency (SCA)

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