NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs
Bulk revolving micro-credit line up to ₹25 Lakh for registered OBC women Self Help Groups at 4% to 5% interest per annum to eliminate moneylender dependency.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Over 45,000 women SHGs supported, impacting over 4.5 Lakh rural families
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Women Self-Help Groups where at least 60% members belong to backward classes with family income up to ₹3,00,000.
Required Documents Checklist
Verify readiness before applying for NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Register women SHG with local NRLM / State Rural Livelihoods Mission.
- 2
Apply for Swabhimaan scheme through State Backward Classes Development Corporation.
- 3
SCA assesses group grading (Panchasutra compliance) and sanctions revolving fund.
- 4
Funds transferred to SHG bank account for internal lending to members.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Poor group meeting/repayment track record, non-OBC majority, or default with primary bank.
Official Government Application Portal
You will be redirected to the secure official portal: nbcfdc.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the maximum loan per SHG?
Up to ₹25 Lakh per group, with individual member allocations up to ₹1,25,000.
Source: Official Scheme FAQ ↗What is the interest rate under Swabhimaan?
Interest rate charged to the SHG is 4% to 5% per annum.
Source: Official Scheme FAQ ↗Is external collateral required for the SHG?
No physical collateral is required; the loan is backed by collective mutual guarantee.
Source: Official Scheme FAQ ↗Can I track my NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs application status?
Application status for NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs can typically be tracked through the official portal at nbcfdc.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Poor group meeting/repayment track record, non-OBC majority, or default with primary bank.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women SHGs guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous round-the-year processing
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of NBCFDC Swabhimaan Revolving Credit Scheme for OBC Women...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
NBCFDC Head Office
NCUI Building, 3, Siri Institutional Area, New Delhi 110016
Helpline: 011-45854400
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.