KSBCDC

Kerala State Backward Classes Development Corporation Ltd. (KSBCDC) is a Government of Kerala undertaking established on 28 February 1995. Its objective is to promote the economic and social development of targeted communities and achieve “Freedom from Poverty and Backwardness.”

KSBCDC functions as the State Channelising Agency for the following national corporations :

1. National Backward Classes Finance and Development Corporation (NBCFDC)
2. National Minorities Development & Finance Corporation (NMDFC)
3. National Safai Karamcharis Finance & Development Corporation (NSKFDC)

The Corporation has offices in all 14 districts of Kerala.

KSBCDC works with the following national agencies:

1. NBCFDC: Promotes economic empowerment of Backward Classes below Double the Poverty Line (DPL).
2. NMDFC: Provides concessional finance to notified Minority communities (Muslims, Christians, Sikhs, Buddhists, Parsis, and Jains).
3. NSKFDC: Supports alternative livelihood opportunities for Safai KaramCharis and their dependents.

KSBCDC provides loans under the following categories:

1. Self-Employment Loan Schemes (including women, startups, and return emigrants)
2. Education Loan Schemes (India and abroad)
3. Micro Finance Schemes
4. Marriage Assistance Loan Scheme
5. Housing and House Maintenance Schemes
6. Vehicle Loan Scheme
7. Personal Loan Scheme

Eligibility depends on the funding agency:

1. NBCFDC: Backward Classes with annual family income below ₹3.00 lakh.
2. NMDFC: Notified Minority communities

• • Credit Line 1: Income up to ₹3.00 lakh
  • Credit Line 2: Income up to ₹8.00 lakh

1. KSBCDC Own Schemes: Other Backward Classes and Minorities as per scheme guidelines.

1. NBCFDC: Up to ₹25.00 lakh
2. NMDFC:

• • Credit Line 1: Up to ₹20.00 lakh
  • Credit Line 2: Up to ₹30.00 lakh

1. Start-Up Scheme for OBCs: Up to ₹20.00 lakh
2. Re-Turn Scheme (Return Emigrants): Up to ₹30.00 lakh