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Rate of Interest at a Glance

Sl.No. Name of Scheme Max. Loan Limit  Pattern of  Finance ROI p.a.
        SCA Benef.
1 Term Loan Rs.10 Lakh NBCFDC   85% Upto Rs.5 Lakh
      SCA 10% 3% 6%
      Beneficiary 05% Above Rs.5 Lakh 
& upto Rs.10 Lakh
        5% 8%
2 Margin Money Loan Rs.10 Lakh NBCFDC 40% Upto Rs.5 Lakh
      SCA 05% 3% 6%
      Bank/ FIs 50% Above Rs.5 Lakh 
& upto Rs.10 Lakh
      Beneficiary 05%  
        5% 8%
3 Education Loan           
a) In India  Rs. 10 Lakh NBCFDC 90% 1.5% * 4% **
      SCA 05%    
      Beneficiary 05%    
b) Abroad Rs. 20 Lakh NBCFDC 85% 1.5% * 4% **
      SCA 10%    
      Beneficiary 05%    
4 New Swarnima - for women  Rs. 1 Lakh NBCFDC 95% 2%
5%
      SCA/Beneficiary 05%    
5 Saksham Rs.10 Lakh NBCFDC 85% Upto Rs.5 Lakh
      SCA 10% 3% 6%
      Beneficiary  05% Above Rs.5 Lakh &
upto Rs.10 Lakh
          5% 8%
6 Shilp Sampada Rs.10 Lakh NBCFDC 85% Upto Rs.5 Lakh
      SCA 10% 3% 6%
      Beneficiary 05% Above Rs.5 Lakh 
& upto Rs.10 Lakh
          5% 8%
7 Micro Finance Rs.50,000/- NBCFDC 90% 2% 5%
      SCA 05%    
      Beneficiary 05%    
8 Mahila Samriddhi Yojana for Women Rs.50,000/- NBCFDC 95% 1% 4%
      SCA/Beneficiary 05%    
Sl.No. Name of Scheme Max. Loan Limit  Pattern of  ROI p.a.
      Finance   SCA Benef.
9 Krishi Sampada Rs.50,000/- NBCFDC 95% 1% 4%
      SCA/Beneficiary 05%    

*   0.5% rebate on timely repayment by SCA to NBCFDC
**  Rate of Interest 3.5% p.a. for girl student

Utilization of loan & interest rates for unutilized funds : The SCAs are required to utilize the funds drawn from NBCFDC within 120 days of its release.

Slab-wise rate of interest :-

Utilization
(Days)
Rate of Interest (p.a.)
1-120 days
3%
121-180 days
6%
* Above 180 days
8%

* The SCAs are required to refund the unutilized funds incase the funds are not utilized within 180 days of release.

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Last Updated On : 2017-02-22 05:15:21