**Policy Summary: NSTFDC Schemes for Scheduled Tribes (2025)**
The Ministry of Tribal Affairs, through the National Scheduled Tribes Finance and Development Corporation (NSTFDC), provides concessional loans to eligible Scheduled Tribe (ST) individuals, Self-Help Groups (SHGs), and Cooperative Societies for income-generating activities and self-employment. These schemes are implemented nationwide, including in the state of Telangana. Key schemes include:
* **Term Loan Scheme:** Provides loans up to ₹50.00 lakhs per unit, covering up to 90% of the project cost, with a maximum interest rate of 6% per annum.
* **Adivasi Mahila Sashaktikaran Yojana (AMSY):** Supports ST women undertaking income generation activities with loans up to ₹2 lakh per unit, covering up to 90% of the project cost, at a concessional interest rate of 4% per annum.
* **Micro Credit Scheme for Self Help Groups:** Offers loans of ₹5 Lakhs per SHG, with a maximum of ₹50,000 per member, at an interest rate of 6% per annum.
* **Adivasi Shiksha Rrinn Yojana (Education Loan):** Provides financial assistance up to ₹10.00 lakh at a concessional interest rate of 6% per annum to ST students pursuing professional/technical education (including Ph.D.) in India. Interest subsidy is provided by the Ministry of Education, Government of India, exempting students from interest payments during the course period and for one year (or six months post-job acquisition, whichever is earlier).
**Eligibility Criteria:**
* **Individuals/SHGs:** All applicants/members must belong to the Scheduled Tribes Community. The annual family income should not exceed ₹3.00 lakh per annum for both rural and urban areas.
* **Cooperative Societies:** Minimum 80% of members should belong to the Scheduled Tribes Community, with an annual family income not exceeding ₹3.00 lakh per annum. The percentage of ST members should not fall below 80% during the loan tenure.
**Disbursement and Beneficiary Data (Telangana vs. All India):**
| Year | Disbursement in Telangana (₹ in lakhs) | No. of beneficiaries in Telangana | No. of beneficiaries All India |
| --- | --- | --- | --- |
| 2020 | 5359.23 | 13065 | 169539 |
| 2021 | 3111.55 | 9355 | 165101 |
| 2022 | 4583.99 | 11861 | 72992 |
| 2023 | 3218.52 | 11369 | 95142 |
| 2024 | 5174.31 | 10777 | 88758 |
Key Entities Referenced
Telangana: A state in India where the schemes are implemented.
Lok Sabha: The lower house of the Parliament of India.
Ministry of Tribal Affairs: The Indian government ministry responsible for the welfare and development of Scheduled Tribes.
NSTFDC: National Scheduled Tribes Finance and Development Corporation, a Central Public Sector Enterprise under the Ministry of Tribal Affairs that provides financial assistance to Scheduled Tribes.
Shri Arvind Dharmapuri: A Member of Parliament (MP) who raised an unstarred question in Lok Sabha.
Shri Durgadas Uikey: The Union Minister of State for Tribal Affairs who responded to the question in Lok Sabha.
Adivasi MahilaSashaktikaran Yojana AMSY: A scheme under NSTFDC that provides financial assistance to Scheduled Tribe women for income generation activities.
Adivasi Shiksha Rrinn Yojana: An education loan scheme under NSTFDC providing financial assistance to Scheduled Tribe students for higher education.
Ministry of Tribal Affairs
SCHEMES UNDER NSTFDC
Posted On: 07 AUG 2025 3:10PM by PIB Delhi
Replying to an un-starred question of Shri Arvind Dharmapuri, the Union Minister of State for Tribal Affairs
Shri Durgadas Uikey informed Lok Sabha today that 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 MahilaSashaktikaran 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.
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:
N o . o f
Disbursement in Telangana
Year beneficiaries No. of beneficiaries (All India)
(₹ in lakh)
(Telangana)
2020-
5359.23 13065 169539
21
2021-
3111.55 9355 165101
22
2022-
4583.99 11861 72992
23
2023-
3218.52 11369 95142
24
2024-
5174.31 10777 88758
25
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.
(cid:108)
Annual family income of the applicant(s) should not exceed ₹3.00 lakh p.a. both for rural and urban
(cid:108)
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.
*****
RN/
(Release ID: 2153514)