The District Central Cooperative Banks and their Branches in Tamil Nadu, under the Co-operation, Food and Consumer Protection Department, provide financial support to individuals engaged in Small-Scale Industries (SSI) and Non-Farm Sector (NFS) activities. This scheme facilitates loans up to ₹1,00,000 at an affordable interest rate to promote entrepreneurship and rural livelihood enhancement in non-agricultural sectors.
Highlights of DCCB SSI Loan Scheme
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Scheme Name: SSI Unit Loan & Other NFS Activities Scheme
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State: Tamil Nadu
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Implementing Authority: Co-operation, Food and Consumer Protection Department
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Loan Amount: Up to ₹1,00,000/-
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Interest Rate: 13% (subject to revision as per bank policy)
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Target Sector: Small-Scale Industries (SSI) and Non-Farm Sector (NFS) Activities
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Mode of Application: Offline only
Key Benefits
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Provides financial assistance up to ₹1 lakh
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Supports SSI units and non-farm-based enterprises
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Enables the establishment, expansion, or modernization of small businesses
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Eases credit access for rural entrepreneurs through cooperative banking channels
Who is Eligible to Avail Benefits
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Applicant must be a resident of Tamil Nadu
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Must be engaged in or intending to start:
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Small-Scale Industry (SSI) unit
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Non-Farm Sector (NFS) activities such as rural manufacturing, processing, or services
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Applicants must utilize the loan strictly for eligible business purposes
How to Apply – Offline Application
Step-by-Step Guide
Step 1: Visit your nearest District Central Cooperative Bank (DCCB) or any of its branches and collect the application form.
Step 2: Fill in the form with accurate details, paste a passport-sized photograph, and self-attest the necessary documents.
Step 3: Submit the completed application form along with the supporting documents to the designated authority at the bank.
Step 4: Ask for an acknowledgment or receipt, which must include:
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Submission Date
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Time
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Application Reference Number (if provided)
Essential Documents
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Identity Proof (Aadhaar Card, PAN Card, Voter ID)
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Address Proof (Utility Bills, Ration Card, Driving License)
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SSI Unit Registration Certificate (if applicable)
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Business Plan / Project Report (if applicable)
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Any additional documents requested by the bank
Frequently Asked Questions (FAQs)
Q: What is the purpose of this scheme?
To provide affordable credit for promoting SSI and NFS activities in Tamil Nadu.
Q: What is the maximum loan amount under this scheme?
A maximum of ₹1,00,000 can be availed by eligible applicants.
Q: What is the interest rate on this loan?
The loan is offered at an interest rate of 13%, subject to change.
Q: Who is eligible to apply?
Residents of Tamil Nadu engaged in or planning to engage in SSI or NFS activities.
Q: Is there an age or income limit?
No specific age or income restrictions are mentioned in the official guidelines.
Q: How can I apply?
Through offline mode at your local DCCB branch.
Q: Can the interest rate change?
Yes, the rate is subject to periodic revision by the bank.
Q: Who funds this scheme?
The scheme is sponsored and operated through District Central Cooperative Banks, overseen by the Department of Co-operation, Food and Consumer Protection, Tamil Nadu.
Sources and References
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Official Guidelines – Co-operation, Food and Consumer Protection Department, Tamil Nadu
