SCHEMES FOR THE WELFARE OF BACKWARD CLASSES - LOAN

1	Self Employment Loan
	Maximum loan amount - Rs.10 lakhs Interest rate Up to 5 lakhs  - 6% Above 5 lakhs - 8% Repayment period - 84 months Age limit - 18 – 55 Annual income - Below Rs.81,000 in rural areas and Rs.1,03,000 in urban areas
2	Self-Employment Loan for Women (New Swarnima)
	Maximum loan amount - Rs. 1 lakhs/- Interest rate - 5% Repayment period - 60 months Age limit - 18 – 55 Annual income - Below Rs. 40,500 in rural areas and Rs. 51,500 in urban areas
3	Education Loan
	Maximum loan amount To Study In India - Rs. 5 lakhs @ Rs.1,00,000 per annum. Short Term Course - Rs. 1.5 lakhs To Study Abroad - Rs. 20 lakhs @ Rs.5,00,000 per annum. Interest rate  Male - 4% Female - 3.5% Repayment period - 60 months Age limit - 16 – 32 Annual income - Below Rs. 81,000 in rural areas and Rs. 1,03,000 in urban areas
4	Micro-Credit Schemes
	The Maximum Amount per beneficiary - Rs. 25,000/- Rate of Interest to the Beneficiary of SHG - 5% Repayment period - 36 months
5	Saksham
	Maximum Amount - Rs. 10 lakhs Interest Rate Up to 5 lakhs - 6% Above 5 lakhs - 8% Repayment period - 84 months Age limit - 18 – 35 Annual income - Below Rs. 81,000 in rural areas and Rs. 1,03,000 in urban areas
6	Shilp Sambada
	Maximum loan amount - Rs. 10 lakhs/- Interest rate - 6% Repayment period - 60 - 84 months Age limit - 18 – 55 Annual income - Below Rs. 81,000 in rural areas and Rs. 1,03,000 in urban areas
7	Mahila Samrudhi Yojana
	The Maximum Amount per beneficiary - Rs. 25,000/- Rate of Interest to the Beneficiary of SHG - 4% Repayment period - 36 months Annual income - Below Rs. 81,000 in rural areas and Rs. 1,03,000 in urban areas
8	Krishi Sambada
	The Maximum Amount per beneficiary - Rs. 50,000/- Rate of Interest to the Beneficiary of SHG - 4% Repayment period - 36 months Annual income - Below Rs. 81,000 in rural areas and Rs. 1,03,000 in urban areas LINK TO WEBSITE OF KERALA STATE BACKWARD CLASS DEVELOPMENT CORPORATION