BLS

"Big Loan Scheme" aims to provide term loans up to ₹5,00,000/- for income-generating activities to eligible applicants from specific targets groups like SC, OBC, Minorities, Safai Karamcharis, and PwDs. The scheme is implemented by DSFDC in collaboration with National Apex Corporations.

"Big Loan Scheme" by the Delhi Scheduled Castes/Other Backward Classes/Minorities & Handicapped Finance and Development Corporation Limited (DSFDC), Government of National Capital Territory (GNCT) of Delhi, aims to provide term loans up to ₹5,00,000/- for setting up income-generating activities under permissible non-polluting trades in Delhi. The scheme targets marginalized groups, including Scheduled Castes, Other Backward Classes, Minorities, Safai Karamcharis, and Persons with Disabilities. The scheme is implemented by DSFDC in collaboration with National Apex Corporations.

• The applicant should be a permanent resident of Delhi.
• The applicant’s age should be between 18 and 50 years.
• The applicant should be from one of the following target groups - Scheduled Castes, Other Backward Classes, Minorities, Safai Karamcharis, and Persons with Disabilities.
• The annual family income of the applicant under Scheduled Castes, Other Backward Classes, and Minority categories should not exceed ₹1,20,000/- per annum.
• For the creamy layer of the Minority category, the maximum income ceiling is ₹6,00,000/- per annum.
• There is no income limit under Persons with Disabilities and Safai Karamchari categories.
• The applicant should not have been declared a defaulter under any scheme of DSFDC, Nationalized Bank, Financial Institution, or Co-operative Bank.
• The applicant should possess knowledge and experience as per the requirement of the scheme.
• The applicant must have valid permissions like SSI Certificate, Pollution Control Certificate, or any other required permissions for setting up the Business/Industry (Manufacturing Unit) if required on a case-to-case basis.
• The loan is provided for setting up of Income Generating Activities under the permissible non-polluting trades approved in Delhi. However for manufacturing units, the work place should be in approved industrial area.

Term loan of up to ₹5,00,000/- as a part of the total project cost / loan demanded by the aspirant applicants/beneficiaries on case to case basis.

_*Repay the loan in 60 monthly installments over five years with a six-month moratorium period._

_*For Persons with Disabilities, the maximum repayment period is ten years with a three-month moratorium period._