The Schemes Register Indian government scheme data · and what is missing from it
Last complete collection today ·snapshot 2026-09-02 · 4,771 of 4,772 records · 48/48 pages ·verdict COMPLETE ·2 snapshot(s) held
Route · /scheme/visvas

VISVASSHG

Vanchit Ikai Samooh aur Vargon ki Aarthik Sahayata Yojana (VISVAS) for Self-Help Groups
NationwideSelf Help Groups (SHGS)IndividualCentralCentral Sector SchemeMinistry Of Social Justice and EmpowermentNo start date
myScheme’s own wording, reproduced in full. Where it is thin, that is the finding, and the completeness checks are below.

What this is

The scheme aims to provide the benefit of a lower rate of interest to eligible Self-Help Groups (SHGs) and individual beneficiaries belonging to Scheduled Castes (SCs), Other Backward Classes (OBCs), and Safai Karamcharis (including identified Manual Scavengers, Waste Pickers, and their dependents).

In detail

The Vanchit Ikai Samooh aur Vargon ki Aarthik Sahayata (VISVAS) Yojana is an interest subvention scheme implemented by the Ministry of Social Justice and Empowerment, Government of India. The scheme aims to provide interest subvention to eligible Self-Help Groups (SHGs) belonging to Scheduled Castes (SCs), Other Backward Classes (OBCs), and Safai Karamcharis, including identified Manual Scavengers, Waste Pickers, and their dependents. The scheme covers loans obtained from Public Sector Banks (PSBs), Regional Rural Banks (RRBs), Private Sector Banks, Small Finance Banks, and other financial institutions.

Who qualifies

  • The SHG must have at least 70% members belonging to SCs, OBCs, or Safai Karamcharis (including identified Manual Scavengers, Waste Pickers, and their dependents).
  • The SHG must have a standard loan account.
  • The SHG must not have received interest subvention on the same loan under any other scheme.
  • The annual family income of SC/OBC members should generally be up to ₹3,00,000/-.

> NOTE: No income ceiling for Safai Karamcharis, including identified Manual Scavengers, Waste Pickers, and their dependents.

What you get

> Interest Subvention

  • Interest subvention of up to 5% per annum on eligible loans.

> Loan Limits

  • Self-Help Groups (SHGs): Loans/Cash Credit Limits up to ₹10,00,000.

> Mode of Payment

  • The interest subvention amount is transferred directly into the beneficiary's bank account through Direct Benefit Transfer (DBT).
Listed by Union BudgetDBT BharatmyScheme
Documentation completeness
7 of 9 checks passed
Checks are about the record,
not about the scheme.
✓
Eligibility published here531 characters
✓
Benefit amount published hereamount or quantity stated
✓
Description more than a name300 characters
✓
Implementing agency published herenamed
✓
How to apply published hereoffline mode declared, no URL needed
✗
Start date published herenot published
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End date published hereno end date recorded, so indefinite by omission
✓
Stored links well-formedall parse
✓
Not expired while still listedno end date
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Provenance

Every field above, and where it came from
schemeNameVanchit Ikai Samooh aur Vargon ki Aarthik Sahayata Yojana (VISVAS) for Self-Help GroupsmyScheme · 2026-09-02
schemeOpenDate...not published at source
schemeCloseDate...not published at source
nodalMinistryNameMinistry Of Social Justice and EmpowermentmyScheme · 2026-09-02
dbtScheme...myScheme · 2026-09-02
achievement data...no source publishes this for any central scheme