The NBCFDC General Loan Scheme is a financial empowerment initiative by the Ministry of Social Justice and Empowerment, Government of India. Implemented through the National Backward Classes Finance and Development Corporation (NBCFDC), the scheme offers low-interest loans of up to ₹15 lakhs to individuals from Other Backward Classes (OBC) for undertaking income-generating activities across diverse sectors.
The scheme is specially designed to uplift economically weaker sections within the OBC category, helping them build sustainable livelihoods in agriculture, trade, transport, service, or technical sectors.
Key Benefits of the NBCFDC Loan Scheme
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Loan Amount: Up to ₹15 lakhs per eligible beneficiary
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Purpose: Income-generating activities in sectors like:
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Agriculture & allied activities
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Small businesses, artisans & traditional occupations
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Transport & service sectors
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Technical trades and professional courses
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Interest Rates
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Loans up to ₹5 lakhs – 6% per annum
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Loans from ₹5.01 to ₹10 lakhs – 7% per annum
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Loans from ₹10.01 to ₹15 lakhs – 8% per annum
Eligibility Criteria
Applicants must fulfill the following conditions:
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Must be an entrepreneur belonging to the Backward Class (OBC).
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Must be an Indian citizen.
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The total annual family income must be less than ₹3 lakh.
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Should have a clear business plan or interest in vocational/self-employment activities.
How to Apply
Both offline & online modes are available for a low-interest loan of up to ₹15 lakh under the NBCFDC General Loan Scheme 2025. Designed for OBC entrepreneurs with income under ₹3 lakh.
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Collect the Application Form
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Visit the District Office of the State Channelizing Agency (SCA) or Partner Bank (RRBs/PSBs).
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Or access the official NBCFDC links:
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Fill the Form
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Mention your preferred vocation, business idea, and training requirements (if any).
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Submit the Form
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Submit it at your local SCA office or bank branch with the required documents.
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Loan Disbursement
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Upon verification and approval, the loan is disbursed based on NBCFDC norms and sectoral financing patterns.
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Helpline Number: 1800-102-3399 (Toll-Free)
Necessary Documents
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Aadhaar Card (Identity Proof)
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A Caste Certificate (OBC) issued a by competent district authority
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Passport-size Photograph
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Income Proof (Any one of the following):
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Certificate from the competent authority
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Antyodaya Anna Yojana (AAY) Card
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BPL Card
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Self-certification endorsed by Gazetted Officer or Bank Manager
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Domicile Certificate
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Land Record (for farmers):
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Landless agricultural laborers/marginal farmers with ≤1 hectare = Assumed income <₹1.5 lakh
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Small farmers with 1–2 hectares = Assumed income <₹3 lakh
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Frequently Asked Questions (FAQs)
Q: What is the maximum loan amount available under this scheme?
A: Up to ₹15 lakhs per eligible applicant.
Q: What are the applicable interest rates?
A:
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Up to ₹5 lakh: 6% per annum
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₹5.01 to ₹10 lakh: 7% per annum
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₹10.01 to ₹15 lakh: 8% per annum
Q: What is the repayment timeline?
A: The repayment schedule depends on the project type and will be outlined at the time of loan approval.
Q: Is there any specific sector restriction under this scheme?
A: No. Any viable income-generating activity across agriculture, trade, transport, or service sectors is eligible.
Q: Can women entrepreneurs apply under this scheme?
A: Yes, women from OBC backgrounds with income under the eligible limit are welcome to apply.
Q: What is meant by SCA?
A: The State Channelizing Agency (SCA) is an agency nominated by the state to implement NBCFDC schemes locally.
Q: How do I know which fields in the application form are mandatory?
A: Mandatory fields are marked with an asterisk (*) or as instructed by the SCA or bank officials.
Q: Is there a support line for more help?
A: Yes, dial the NBCFDC Toll-Free Helpline: 1800-102-3399 for assistance.
