Executive Summary:
This document is a response to Lok Sabha Unstarred Question No. 3098 regarding schemes implemented by the National Scheduled Tribes Finance and Development Corporation (NSTFDC). It details the schemes operational in Telangana, funds disbursed, beneficiaries assisted since 2020, and eligibility criteria for financial assistance. The information was provided on August 7, 2025, by the Minister of State for Tribal Affairs.
Key Points / Main Content:
NSTFDC Overview:
* NSTFDC is a Central Public Sector Enterprise (CPSE) under the Ministry of Tribal Affairs.
* NSTFDC provides concessional loans to eligible Scheduled Tribe individuals for income-generating activities.
* Schemes are implemented across the country, including Telangana.
Scheme Details:
* Term Loan Scheme:
* Up to ₹50.00 lakhs per unit for any viable income generation scheme.
* Financial assistance covers up to 90% of the scheme cost.
* Maximum interest rate of 6% p.a.
* Adivasi Mahila Sashaktikaran Yojana (AMSY):
* Supports income generation activities for Scheduled Tribe women up to ₹2 lakh per unit.
* Loans cover up to 90% of the project cost.
* Concessional interest rate of 4% p.a.
* Micro Credit Scheme for Self Help Groups:
* Loans of ₹5 Lakhs per Self Help Group (SHG) and up to ₹50,000 per member.
* Interest rate of 6% p.a.
* Adivasi Shiksha Rrinn Yojana (Education Loan):
* Financial assistance up to ₹10.00 lakh at a concessional interest rate of 6% per annum.
* For ST students pursuing professional/technical education (including Ph.D.) in India.
* Interest subsidy provided by the Ministry of Education, Govt. of India. No interest is payable during the course and one year/six months after getting job, whichever is earlier
Disbursement and Beneficiary Data:
* Provides a table detailing disbursements in Telangana and the number of beneficiaries assisted in Telangana versus All India from 2020-2021 to 2024-2025.
* Includes the number of beneficiaries in Telangana and All India.
Eligibility Criteria:
* Individuals/Self Help Groups:
* All applicants/members must belong to the Scheduled Tribes Community.
* Annual family income should not exceed ₹3.00 lakh p.a. for both rural and urban areas.
* Cooperative Societies:
* Minimum 80% of members must belong to the Scheduled Tribes Community.
* Annual family income should not exceed ₹3.00 lakh p.a.
* The percentage of ST members should not fall below 80% during the loan period.
Impact Analysis:
Scheduled Tribe Individuals and SHGs:
* Impact: Access to concessional loans for income-generating activities and education.
* Action Required: Ensure they meet the eligibility criteria and apply for the relevant schemes.
Scheduled Tribe Women:
* Impact: Access to specific financial assistance under the AMSY scheme for income-generating activities.
* Action Required: Utilize the AMSY scheme to undertake viable income-generating activities.
Cooperative Societies with ST Members:
* Impact: Access to financial assistance, provided they maintain the minimum ST member percentage.
* Action Required: Maintain at least 80% ST membership throughout the loan period.
Ministry of Tribal Affairs:
* Impact: Responsible for the oversight and administration of NSTFDC and its schemes.
* Action Required: Continue to monitor and support the implementation of NSTFDC schemes.
Key Entities Referenced
National Scheduled Tribes Finance and Development Corporation: A Central Public Sector Enterprise under the Ministry of Tribal Affairs that provides credit linkage to Scheduled Tribe persons for income generation activities.
Telangana: A state in India where NSTFDC schemes are operational.
Ministry of Tribal Affairs: The government ministry overseeing the National Scheduled Tribes Finance and Development Corporation.
Scheduled Tribes: The tribal communities who are eligible for assistance under NSTFDC schemes.
Adivasi Mahila Sashaktikaran Yojana: A scheme under NSTFDC that supports income generation activities for Scheduled Tribe women.
Adivasi Shiksha Rrinn Yojana: An education loan scheme under NSTFDC that provides financial assistance to ST students pursuing professional/technical education.
Self Help Groups: Groups that can receive loans under the Micro Credit Scheme for Self Help Groups.
Ministry of Education: The ministry that provides interest subsidy for the Adivasi Shiksha Rrinn Yojana Education Loan.
GOVERNMENT OF INDIA
MINISTRY OF TRIBAL AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 3098
TO BE ANSWERED ON 07.08.2025
SCHEMES UNDER NSTFDC
3098. SHRI ARVIND DHARMAPURI:
Will the Minister of TRIBAL AFFAIRS be pleased to state:
(a) the details of various schemes being implemented under the National Scheduled Tribes Finance
and Development Corporation (NSTFDC) along with the number of the said schemes currently
operational in Telangana;
(b) the funds allocated by NSTFDC for implementation of these schemes in Telangana and the
actual amount disbursed to beneficiaries during the last five years;
(c) the total number of tribal beneficiaries received assistance under these NSTFDC schemes in
Telangana since 2020, year-wise and the manner in which these figures compare with the national
totals during the same period; and
(d) the eligibility criteria prescribed for beneficiaries to avail financial assistance under the various
NSTFDC schemes?
ANSWER
MINISTER OF STATE FOR TRIBAL AFFAIRS
(SHRI DURGADAS UIKEY)
(a) National Scheduled Tribes Finance and Development Corporation (NSTFDC), a Central Public
Sector Enterprise (CPSE) under the Ministry of Tribal Affairs, provides credit linkage by
extending concessional loans to the eligible Scheduled Tribe persons for undertaking income
generation activities/ self-employment under its various schemes. The schemes are implemented
across the country including the state of Telangana. The detail of schemes is given below:
i. Term Loan scheme: NSTFDC provides Term Loan for any viable income generation
scheme costing upto ₹50.00 lakhs per unit. The financial assistance is extended upto 90%
of the cost of the scheme and the balance is met by way of subsidy/ promoter’s contribution/
margin money. The maximum loans are given at interest rate of 6% p.a.
ii. Adivasi Mahila Sashaktikaran Yojana (AMSY): Under the scheme, Scheduled Tribes
women can undertake any viable income generation activity costing upto ₹2 lakh per unit.
Loans upto 90% of the project cost are provided under this scheme at a concessional rate
of 4% interest p.a.
iii. Micro Credit Scheme for Self Help Groups: The Corporation provides loan of ₹5 Lakhs
per Self Help Group (SHG) and upto ₹50,000/- per member. The interest rate chargeable
is 6% p.a.
iv. Adivasi Shiksha Rrinn Yojana (Education Loan): Under this scheme, financial
assistance upto ₹10.00 lakh at concessional rate of interest of 6% per annum is provided to
ST students for pursuing professional/ technical education including Ph.D. in India.
Ministry of Education, Govt. of India provides interest subsidy for this scheme, whereby,
no interest is payable by the student during the course period and one year or six months
after getting job, whichever is earlier.(b) & (c) The detail of disbursement done and number beneficiaries assisted in the state of
Telangana vis-à-vis All India, during last five years, is given below:
Disbursement in Telangana No. of beneficiaries
Year No. of beneficiaries (All India)
(₹ in lakh) (Telangana)
2020-21 5359.23 13065 169539
2021-22 3111.55 9355 165101
2022-23 4583.99 11861 72992
2023-24 3218.52 11369 95142
2024-25 5174.31 10777 88758
(d) The eligibility criteria for availing financial assistance from NSTFDC is as under:
I. Individuals / Self Help Groups:
All applicant(s)/ member(s) should belong to the Scheduled Tribes Community.
Annual family income of the applicant(s) should not exceed ₹3.00 lakh p.a. both for rural
and urban areas.
II. Co-operative Society(ies): Minimum 80% or more members should belong to Scheduled
Tribes Community and annual family income of the applicant(s) should not exceed ₹3.00 lakh
p.a. In case of change in membership, the said Co-operative Society shall ensure that
percentage of ST members does not fall below 80% during the currency of the NSTFDC loan.
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