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The Corporation at Present is implementing following Schemes:
Scheme through NSFDC
Scheme through NSKFDC
Scheme through Banks

For all the Scheme advertisement is given in the news paper and applications are received in district offices for respective districts.(details district office

  • Applications are documented at district offices.
  • Accordingly the field verification is done by the field staff at district level.
  • After initial scrutiny by district executive officer he sends the proposal, target wise for  the scheme to the  head quarter, project implementation committee(PIC) at presently headed by managing director with officers from corporation and deputy director, welfare as member and one officer from NSFDC as member and respective district executive officer as member.
  • After finalization of list proposals are further processed at district level and other formalities are completed at district level and accordingly loan application are processed for final delivery of loan.
  • The corporation started financing from the month of November '2007 

Scheme Through Banks:-

  • In the year 08-09,4000 SC living below poverty line are proposed to be benefited by special central assistance through the banks the unit cost will be 50,000/- and the subsidy will be 50% of the unit cost or 10,000/- whichever is less.

Eligibility Criteria :-

The following is the eligibility criteria for obtaining loans under various schemes :

  1. One should be permanent Resident of Jharkhand State.
  2. One should be a member of SC Communities.
  3. One should have the family income below the Poverty Line (BPL), i.e. Rs. 20,000/-p.a. for Rural and Rs. 27,500/- p.a. for Urban areas (which is notified by the Planning Commission, Govt. of India). Family income double the poverty line of NSFDC/NSKFDC SCHEMES Rs. 40,000/- p.a. for rural and Rs. 55,000/- p.a. for urban area.
  4. One should not be a defaulter of any financial Institution.
  5. One should not have already availed the benefit of subsidy.
  6. One should be having necessary skill/experience in the activity/trade applied for.

Procedures :-

This is a continuous scheme of the Corporation open for the whole year. In each District, under the Lead Bank Scheme, targets under Annual Credit Plan are fixed with the approval of District Consultative Committee headed by the concerned District Dev. Commissioner. An allocation of targets/funds is to be kept under the credit plan for the beneficiary of the corporation.

  1. Any eligible person desirous of establishing a feasible project has to apply to the District Executive Officer of the corporation in the prescribed form available (free of cost) in each district of the office of the Corporation. The Corporation field staff conducts survey to determine suitability/feasibility of the proposed activity and genuineness of the beneficiary. The case deemed fit, is sponsored to the concerned bank operating in the area for sanction of loan application. The concerned bank after pre-sanction survey sanctions the loan component and intimates to the corporation through its Dist. Executive Officer for release of subsidy money.
  2. One receipt of sanction from the bank the corporation releases subsidy component to the bank concerned. District Executive Officer of the Corporation is fully empowered to monitor the running of all units so established.

































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