National STs Finance & Development Corporation (NSTFDC)

For Individual Applicant

Eligible Criteria: STs with annual family income up to Double the Poverty Line

  • Rural area: DPL income up to Rs 98000/family
  • Urban area: DPL income up to Rs 120000/family

Purpose: For productive purposes only

Type of Loan: Term loan only


  • For loan upto Rs 1.00 lakh: NIL
  • Above Rs 1.00 & upto Rs 5 lakh: Min. 10%

Category of loan:

  • Type I : Up to Rs 5 lakh
  • Type II : Above Rs 5 lakh & up to Rs 10 lakh

Max. Repayment period: 5 Years

Rate of Interest:

  • For loan up to Rs 5 lakh : 6.00% p.a.
  • Above Rs 5 lakh & upto Rs 10 lakh: 8% p.a.

Requirement: ST Certificates and Family income certificate (affidavit/self-declaration)


Micro Credit to SHGs (Group & Members)

Eligible Criteria

  • Existing PROFIT making SHGs
  • All members of SHG should belong to ST communities
  • Each member of SHG should be below DPL income

Purpose: Any productive/income generating activity


  • For loan up to Rs 1.00 lakh : NIL
  • Above Rs 1 lakh & up to Rs 5 lakh : Min. 10%

Type of Loan: Term loan only

  • Maximum loan per SHG: Rs 5.00 lakh
  • Maximum loan per SHG member: Rs 35000/-

Repayment Period: Up to 5 years depending in activity and cash flow of the unit

Rate of Interest: 6.00% p.a.

Requirement: ST Certificate and Family Income Certificate (by Affidavit or Self-declaration)