Through the “Direct Lending Scheme”, the Punjab Scheduled Castes Land Development & Finance Corporation (PSCLDFC) provides direct loans for the economic upliftment of the members of the Scheduled Castes and Handicapped People in the state of Punjab.
Direct Lending Scheme Punjab सरकार की योजना है (Healthcare श्रेणी), जो Punjab में लागू है। जानकारी का स्रोत/विभाग: Department of Finance। आवेदन पूरे साल खुले हैं या अंतिम तिथि घोषित नहीं है। आधिकारिक पेज: pbscfc.punjab.gov.in।
The applicant should be a domicile / permanent resident of the state of Punjab.
The applicant should be from Below Poverty Line (BPL).
The applicant should be from the Scheduled Caste category OR the applicant should be a Person with Disability (PwD)
The age of the applicant should be between 18 to 55 years.
(At the time of considering the loan case of the applicant) The annual family income of the applicant (from all sources) should be less than or equal to ₹ 1,00,000/- (In case the applicant is unemployed, and intends to start his/her own business, his/her family income may not be taken into consideration).
The applicant should not already be availing the benefits of the scheme.
आवेदन कैसे करें
**Offline**
paragraph
Take a print of the format of the Application Form (
Application form duly attested by competent Authority.
Residential Certificate / Domicile Certificate of the State of Punjab.
Caste Certificate / Disability Certificate.
Valuation Certificate of property to be mortgaged.
Map of the Property.
Farad Zama Bandi.
A copy of the registry (if the property is self-purchased).
Affidavit regarding the loan.
3 Passport-Sized Photograph (Signed Across).
Employer Certificate, Salary Certificate, and Surety Bond (in the case of Service Surety).
Aadhaar Card.
Details of the Bank Account (Bank Name, Branch Name, Address, IFSC, etc).
Proof of Age.
Income Certificate.
त्वरित जवाब
Are There Any Age-Related Criteria For This Scheme?
Yes, the age of the applicant should be between 18 to 55 years.
In What Cases Will The Family Income Of The Applicant May Not Be Taken Into Consideration?
(At the time of considering the loan case of the applicant) The annual family income of the applicant (from all sources) should be less than or equal to [?] 1,00,000/-. In case the applicant is unemployed, and intends to start his/her own business, his/her family income may not be taken into consideration.
Is It Mandatory For The Applicant To Be A Person With Disability (PwD) In Order To Be Eligible For This Scheme?
No, in order to be eligible, the applicant should EITHER be from the Scheduled Caste category OR the applicant should be a Person with Disability (PwD).
What Shall Be The Amount Of The Loan?
The loanees are eligible for a subsidy of special Central Assistance @ 50% of the loan amount or [?] 10,000/- (whichever is less).
What Would Be The Sources Of Funds?
The sources of funds shall be Share Capital Funds.
Will The Repayment Period Vary With The Kind Of Project?
The period varies according to the kind of project with monthly, bimonthly, quarterly, or half-yearly installments with a maximum period of repayment of 15 years for land purchase cases.
How Much Shall Be The Rate Of Interest On The Loan?
Rate of Interest: Up To 50,000/- @ 5% and above [?] 50,000/- @8%.
Will There Be A Penal Interest In The Case Of Delayed Payment/ Non-Repayment/Violation Of Terms And Conditions Of The Loan.?
Yes, Penal Interest @ 5% is charged for delayed payment/ non-repayment/violation of terms and conditions of the loan.
Where Can I Find The Link To The Scheme Guidelines?
You can find the Scheme Guidelines at this link - https://pbscfc.punjab.gov.in/?q=node/165
Where Can I Find The Link To The Loan Application Form?
The Loan Application Form can be found at this link - https://pbscfc.punjab.gov.in/sites/default/files/bank_tieup_scheme_form.pdf https://pbscfc.punjab.gov.in/sites/default/files/CORPORATION-1-6%20PAGES.PDF