**Executive Summary**
The National Scheduled Castes Finance and Development Corporation (NSFDC) achieved record-breaking performance in FY 2025–26, recording its highest-ever annual disbursement of ₹775.26 crore. The report highlights significant growth in beneficiary outreach, particularly for women and scholars, and details the successful implementation of various financial schemes. Key milestones include the integration of digital management systems and the expansion of the channel partner network as of 31 March 2026.
**Key Points / Main Content**
**Financial Performance and Outreach**
* Disbursed ₹775.26 crore in FY 2025–26, representing a 27% growth over the previous year and the highest in the Corporation’s 37-year history.
* Reached 59,002 beneficiaries (a 41.32% increase), including 39,804 women beneficiaries, which reflects a 48% growth in gender-responsive development.
* Achieved a cumulative disbursement of ₹9,567.14 crore, benefiting over 16.96 lakh individuals as of 31 March 2026.
**Scheme-Specific Achievements**
* **VISVAS Yojana (Interest Subvention Scheme):** Disbursed ₹26.09 crore to 98,748 individuals, marking a growth of over 334%.
* **SEED Scheme:** Disbursed ₹11.18 crore to 1,450 Self Help Groups across four states, a 76% increase.
* **National Fellowship Scheme for Scheduled Castes (NFSC):** Provided ₹215.39 crore to support 4,219 scholars in higher education.
**Operational and Digital Initiatives**
* Developed a new website compliant with GIGW 3.0 guidelines and Digital Brand Identity Manual norms.
* Implemented the Loan Accounting and Management System (LAMS), integrated with the PM-SURAJ Portal for end-to-end digitization and transparent loan management.
* Simplified the lending framework by introducing two streamlined schemes: Micro Loans and Term Loans.
**Partnerships and Capacity Building**
* Expanded the channel partner network to include select Small Finance Banks to improve access to credit.
* Conducted regional workshops in Mumbai, Solan, and Bengaluru to enhance the operational efficiency of partner institutions.
**Impact Analysis**
**Scheduled Caste Beneficiaries (Individuals, Women, and Scholars)**
**Impact**
Beneficiaries gain improved access to concessional loans for self-employment and education, supported by a gender-responsive focus and simplified loan categories.
**Action Required**
Apply for financial assistance through the simplified Micro Loan and Term Loan schemes and utilize the PM-SURAJ portal for loan management.
**Channel Partners (including Small Finance Banks)**
**Impact**
The network has been expanded and the lending framework simplified, allowing for wider credit distribution and better operational efficiency through regional training.
**Action Required**
Adopt the new LAMS for loan management and participate in ongoing workshops to align with the updated lending framework.
**NSFDC and Ministry of Social Justice & Empowerment**
**Impact**
The Corporation has strengthened its digital infrastructure and achieved landmark financial milestones, reinforcing its role in the economic empowerment of Scheduled Castes.
**Action Required**
Finalize the launch of the GIGW 3.0 compliant website and continue monitoring the integration of LAMS with the PM-SURAJ portal.
Key Entities Referenced
National Scheduled Castes Finance and Development Corporation (NSFDC): A Public Sector Undertaking under the Ministry of Social Justice and Empowerment that provides concessional loans and skill development for the economic empowerment of Scheduled Castes.
National Fellowship Scheme for Scheduled Castes (NFSC): A scheme providing financial support to scholars from Scheduled Castes for pursuing higher education, with significant disbursements in FY 2025–26.
VISVAS Yojana: An Interest Subvention Scheme aimed at providing financial relief to beneficiaries, which saw over 334% growth in disbursements during the reported period.
SEED Scheme: An initiative focused on providing financial assistance and disbursement to Self Help Groups (SHGs) across various states.
PM-SURAJ Portal: A digital portal integrated with NSFDC’s management system to enable end-to-end digitization and improve transparency in loan management.
Ministry of Social Justice & Empowerment
NSFDC Registers Record Performance in FY
2025–26
Posted On: 10 APR 2026 5:45PM by PIB Delhi
The National Scheduled Castes Finance and Development Corporation (NSFDC), a Public Sector
Undertaking under the Ministry of Social Justice and Empowerment, Government of India, has achieved a
landmark performance during the financial year 2025–26, recording its highest-ever disbursement since
inception.
During FY 2025–26, NSFDC disbursed ₹775.26 crore, marking a growth of 27% over the previous
financial year. This represents the highest annual disbursement in the Corporation’s 37-year history. The
Corporation also significantly expanded its outreach, covering 59,002 beneficiaries, a 41.32% increase
over FY 2024–25. Of these, 39,804 were women beneficiaries, reflecting a growth of 48% and reaffirming
NSFDC’s focus on inclusive and gender-responsive development.
Under the VISVAS Yojana (Interest Subvention Scheme), NSFDC disbursed ₹26.09 crore, benefiting
98,748 individuals, registering a remarkable growth of over 334% compared to the previous year.
Similarly, under the SEED Scheme, ₹11.18 crore was disbursed to 1,450 Self Help Groups across four
States, reflecting a 76% increase in disbursement. Under the National Fellowship Scheme for Scheduled
Castes (NFSC), ₹215.39 crore was disbursed, supporting 4,219 scholars in pursuing higher education.
NSFDC continues to play a pivotal role in promoting the economic empowerment of Scheduled
Castes by providing concessional loans for self-employment and education, as well as supporting skill
development and entrepreneurship. With an authorized share capital of ₹1,800 crore and paid-up capital of
₹1,515 crore, the Corporation has achieved cumulative disbursement of ₹9,567.14 crore, benefiting over
16.96 lakh Scheduled Caste individuals as on 31 March 2026.
During the year, NSFDC undertook several key initiatives to enhance efficiency and outreach. A new
website compliant with GIGW 3.0 guidelines and Digital Brand Identity Manual norms has been
developed and is ready for launch. The Corporation has also developed a Loan Accounting and
Management System (LAMS), integrated with the PM-SURAJ Portal, to enable end-to-end
digitization and improved transparency in loan management. Further, the network of channel partners has
been expanded to include select Small Finance Banks, enabling wider access to concessional credit.
NSFDC also organized regional workshops in Mumbai, Solan, and Bengaluru for its partner
institutions and simplified its lending framework by introducing two streamlined schemes—Micro Loans
and Term Loans—to improve ease of access and operational efficiency.
The performance of FY 2025–26 underscores NSFDC’s continued commitment to inclusive growth and
social justice through targeted financial and developmental interventions. The Corporation remains
dedicated to further expanding its reach and impact in the years ahead.****
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