1. Adiwasi Mahila Sashaktikaran Yojna/ Small Business (NSTFDC)

To meet the small Financial need of poor Scheduled Caste families to start small and petty business individually or in a group.
Total assistance up to Rs. 50,000/- is provided by the Corporation directly in collaboration with NSTFDC.

Eligibility Criteria
  • 1.Member of Scheduled Caste Family who is bonafide Resident of Himachal Pradesh.
  • 2.Annual Income Limit:- Rural Areas : Rs.35,000/- Urban Areas : Rs.35,000/-
  • 3.Age: 18 to 55 years.
  • 4.Applicant should not be defaulter of any financial institution/bank.
Means of Finance
  • 1.No contribution needed from Promoter.
  • 2.NSTFDC Term Loan: Rs.40,000/-
  • 3.Capital Subsidy by HPSCSTDC up to Rs.10,000/-.
  • Total Rs.50,000/-.
  • Interest Rate4%
  • Repayment Period3 Years


2. Study Loan (IFSL/ Higher Study)

Under this scheme, the corporation provides education loans to SC/ST students who are studying professional/technical courses in recognized institutions.

Maximum Loan Limit

Rs.1,00,000/- for a full course of five years. 
Rate of Interest

Interest-Free upto Rs 75,000/-
Repayment Period
5 years. Repayments start after starting a job/business two years or after completion of the course whichever is earlier.
Source of Finance
Direct by HPSC&STDC.

Courses of Study

  • i. Degree/Diploma Courses in Engineering.
  • ii. B.Ed./ J.B.T.
  • iii. Medical Courses like M.B.B.S./B.A.M.S./Nursing etc.
  • iV. L.L.B., M.B.A., M.C.A., and Ph.D., etc.

Eligibility Criteria

  • 1. Members of Scheduled Caste or Scheduled Tribe family who is bonafide Resident of Himachal Pradesh.
  • 2. Annual Family Income Maximum Rs.3,00,000/-p.a.
  • 3. Applicant should be a regular student of a recognized Institution/University.
  • 4. Applicant should not be a defaulter of any Financial Institution/Bank.

Education Loan Scheme In Collaboration With NSFDC/NSTFDC/NSKFDC

Maximum Loan Limite
Rs.10,00,000/- (Within the Country)
Rs.20,00,000/- (Abroad Study)
Rate of Interest
The Rate of Interest will be decided by the APEX Corporations.
Repayment Period
5 years Repayment starts after 6 months of completion of the course or getting a job/employment, whichever is earlier.
Source of Finance
Collaboration with NSFDC/NSTFDC/NSKFDC

Courses of Study

  • i. Full Time Professional/ Technical Courses in fields of; Engineering, Medical, Dental, Management, Information & Technology, Hotel Management, architecture, Physiotherapy, Bio-Technology, Law and Journalism, etc.
  • ii. Professional Courses like Law, Journalism, C.A/ ICWA/CS/AMIA/FIA/IETE, etc.

Eligibility Criteria

  • 1. Members of Scheduled Caste or Scheduled Tribe family who is bonafide Resident of Himachal Pradesh.
  • 2. Annual Family Income Maximum Rs.3,00,000/-p.a.
  • 3. Applicant should be a regular student of a recognized Institution/University.
  • 4. Applicant should not be a defaulter of any Financial Institution/Bank.