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Credit Based Schemes For SC - Term Loan (TL) 2026

This is a Central Sector Scheme by the Ministry of Tribal Affairs to support voluntary organisations working Read More... for the welfare and development of Scheduled Tribes across India. Read less

Details

The Ministry of Tribal Affairs, Government of India, runs a crucial scheme to empower tribal communities. It's called the 'Scheme of Grant-in-Aid to Voluntary Organisations Working for the Welfare of Scheduled Tribes'. This initiative aims to bring government welfare schemes closer to tribal people, especially in areas where services are lacking.

What Is This Scheme?

This scheme provides financial assistance to registered voluntary organisations (VOs) and non-governmental organisations (NGOs). The goal is to help these organisations carry out welfare activities for Scheduled Tribes (STs). These activities can cover vital sectors like education, health, drinking water, agriculture, and social security. The scheme also supports innovative projects that directly boost the socio-economic development and livelihood of ST individuals.

Who Can Benefit From This Scheme?

The direct beneficiaries are individuals from Scheduled Tribe communities across India. The scheme works by supporting NGOs that are actively engaged in providing services and development opportunities to these communities. This includes support for those in remote areas, vulnerable groups like Particularly Vulnerable Tribal Groups (PVTGs), and those affected by Left Wing Extremism (LWE).

Why This Scheme Is Important

The scheme is vital because it leverages the reach and on-ground presence of voluntary organisations to bridge gaps in service delivery to tribal populations. By funding these organisations, the government ensures that development efforts are targeted and effective, leading to better socioeconomic upliftment and overall well-being for Scheduled Tribes.

Objective

This is a Central Sector Scheme by the Ministry of Tribal Affairs to support voluntary organisations working for the welfare and development of Scheduled Tribes across India.

Benefits

  • Term loan up to 95% of the cost of projectUpto Rs.5.00 lakhat Interest rates of6%
  • Term loan up to 95% of the cost of projectAbove Rs. 5.00 lakh & upto Rs.10.00 lakhat Interest rates of8%
  • Term loan up to 95% of the cost of projectAbove Rs. 10.00 lakh & upto Rs.50.00 lakhat Interest rates of9%
  • Repayment PeriodA term loan is to be repaid in quarterly/half-yearly/yearly installments, within a maximum period of 10 years.Moratorium Period6 months to 12 months depending upon the nature of the business activity

    Sources and references

    Eligibility Criteria

    1. The applying organisation must be a registered voluntary organisation (VO) or non-governmental organisation (NGO) actively working for the welfare of Scheduled Tribes (STs).
    2. The organisation must be registered under the Societies Registration Act, 1860, or a State Society Registration Act, or as a Public Trust.
    3. Mandatory registration with the NGO-Darpan portal of NITI Aayog is required. Visit www.ngodarpan.gov.in.
    4. Minimum of three years of experience in running similar activities is necessary.
    5. The organisation must implement projects directly without sub-contracting to other entities.
    6. Agreement to comply with terms and conditions and sign a Memorandum of Understanding (MoU) with the Ministry is required.
    7. An Aadhaar-linked bank account in the organisation's name, operated jointly by the President and Secretary or authorised signatories, is necessary.
    8. The organisation must possess a PAN and TAN Number and have filed Income Tax Returns (ITR) for at least the last three years.
    9. Registration under Section 12A of the Income Tax Act is compulsory.
    10. The organisation should not be facing bankruptcy or any inquiries/investigations for economic offences by government agencies.
    11. The organisation must demonstrate sound financial capacity to partially co-finance the project.
    12. Details of trustees, promoters, beneficial owners, and the Management Committee, along with their PAN and Aadhaar numbers, must be submitted.
    13. The organisation should not have been blacklisted by NITI Aayog or any government organisation.
    14. A minimum of 75 beneficiaries are generally required for project commencement. For educational projects, a minimum of 25 ST students may be considered with justification and approval.

    How To Apply

    All grant proposals, whether from new or existing NGOs, must be submitted online through the Ministry of Tribal Affairs' NGO portal. Physical applications will not be accepted.

    1. Register your organisation on the Ministry's NGO portal: https://ngo.tribal.gov.in/ngo-login.
    2. Login to the portal and fill in the grant application form with all required details.
    3. Upload all necessary documents as specified by the scheme guidelines.
    4. Submit the application online.

    For detailed scheme formats and guidelines, please refer to Annexure-1 and Annexure 2.

    Documents Required

    • PAN Card of the organisation.
    • Detailed budget estimates as per the prescribed norms.
    • Project-wise Audited Accounts with the Auditor's Report for the last two years.
    • Annual Report of the Organisation for the last two years.
    • List of Staff (if the project is already running).
    • Details of beneficiaries (if the project is already running).
    • Duly Signed Inspection Report.
    • Registration Certificate under Section 12A of the Income Tax Act.
    • List of the Management Committee, including beneficial owners.
    • Self-declaration regarding the location and legitimacy of project premises.
    • Surety Bond along with a resolution of the Governing Body and an Authorization letter.
    • Aadhaar-linked Bank Account details.

    FAQ’s

    What is the main goal of this scheme?

    The scheme aims to boost government welfare initiatives and fill service gaps for Scheduled Tribes (STs) in areas like education, health, and livelihoods. It supports voluntary organisations to uplift ST communities and create an environment for their all-round development.

    Which organisations are eligible to receive grants?

    Registered voluntary organisations (VOs) or non-governmental organisations (NGOs) that are actively involved in the social welfare of Scheduled Tribes can apply. They must have at least three years of relevant experience and be registered with the NGO-Darpan portal.

    What types of projects can get funding?

    Grants are available for projects in education (schools, hostels), health (hospitals, dispensaries, mobile clinics), and livelihood enhancement (agriculture, animal husbandry, etc.). Emergency support during disasters is also covered.

    Is it mandatory for NGOs to register on the NGO-Darpan portal?

    Yes, it is compulsory for any organisation applying for grants under this scheme to be registered on the NGO-Darpan portal of NITI Aayog.

    Are there any special groups that get priority under this scheme?

    Yes, priority is given to projects that benefit Particularly Vulnerable Tribal Groups (PVTGs), areas affected by Left Wing Extremism (LWE), and tribal populations living in remote or difficult locations.

    How can an NGO apply for this grant?

    All applications must be submitted online through the Ministry of Tribal Affairs' NGO portal. Physical applications will not be considered.

    What financial experience does an organisation need to have?

    Organisations need to show sound financial capacity to co-finance projects. They must also have a PAN and TAN number, and have filed Income Tax Returns (ITRs) for the past three years, along with Section 12A registration.

    What is the minimum number of beneficiaries required for a project?

    Generally, a project needs at least 75 beneficiaries to start. However, for educational projects, a minimum of 25 ST students can be considered if justified and approved.

    Who is responsible for implementing this scheme?

    The Ministry of Tribal Affairs, Government of India, is the implementing body for this scheme.

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