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VISVAS Yojana (2020-21)

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Vanchit Ikai Samooh aur Vargon ko Aarthik Sahayata Yojana (VISVAS Yojana)



Under this scheme, interest subvention will be provided to Self Help Groups with 100% OBC members and OBC individuals who have taken loan for various income generating activities from those Lending Institutions who have signed MoA with NBCFDC.



a)       Members of Backward Classes, as notified by Central Government/State Governments from time to time.

b)       Applicant’s annual family income should be less than Rs. 3.00 Lakh.  

c)       SHGs must be registered with NRLM/NULM/NABARD with more than two years of credit history

d)       SHGs/Individuals must have made all repayments timely to be eligible for Interest Subvention

e)       All OBC Antoday Anna Yojana (AAY) card holders, and OBC individuals facing three or more Deprivations in terms of SECC-2011, as per records available at the relevant BDO Office shall be eligible for Interest Subvention. 

f)       All OBC beneficiaries involved in Agricultural activities and getting coverage under the PM Kisan shall be eligible for coverage under Interest Subvention


Salient Features                                

(i) Maximum loan limit (for SHG)                          :         Rs. 4.00 Lakh

(ii) Maximum loan limit (for individual)                  :         Rs. 2.00 Lakh

(iii)Maximum Subvention Amount                         :         @5% p.a.

Mode of payment of Subvention                                              

Through Direct Transfer of Subvention Amount into operating account of SHG or Individual


Period of Scheme

Valid for 2020-21 as of now. Further extension contingent on the evaluation of the Scheme by way of its impact assessment


For more information contact Toll Free No.18001023399, Website:

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