[Rs. 50000] Punjab SC / BC Loan Waiver Scheme 2024 Loans pbscfc.punjab.gov.in

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The Chief minister initiated the Punjab SC / BC Loan Waiver Scheme to waive loans of people from the scheduled and backward castes. The Punjab Government launched the new SC/BC Loan Waiver Scheme on 11th December 2021. All those SC & BC people who have taken loans amounting to Rs. 50,000 will benefit from the Punjab Scheduled Castes and Backward Classes Land Development Finance Corporation.

We will tell you all the information related to the scheme like how to apply for punjab sc bc loan waiver scheme 2023-24 apply online, salient features, benefits, eligibility, documents required, application form, pdf download, faqs, contact number, etc. If you want to know more information related to the scheme, then you should read the article we have provided.

Punjab SC / BC Loan Waiver Scheme Details

The chief minister of Punjab has started the first phase of the loan waiver scheme in Punjab SC/BC. At this point, loan waiver certificates will be distributed statewide to all beneficiaries during special functions by Ministers and MLAs. Following are the important features and features of the Punjab SC / BC loan waiver scheme Program:-

• The loans are to be taken by the SC category people (up to Rs 50,000) from the Punjab Scheduled Castes Land Development & Finance Corporation Backfinco and will be assigned.
• The loans are taken by BC category persons (up to Rs 50,000) from Punjab Backward Classes Land Development and Finance Corporation (Backfinco) to be waived.

Eligibility Criteria For The Loan

The main eligibility criteria to benefit from the loan

The eligibility criteria for availing of the loan are as follows:-

• The applicant must be residing in Punjab.
• Age must be between 18 to 55 years.
• The person must belong to one of the backward classes notified by the Punjab Govt. Have an annual family income of up to Rs. 3.00 Lac Or Minorities (Sikhs, Muslims, Christians, Buddhists, Parsis, and Jains) and have an annual family income of less than Rs. 98000/- in rural areas and Rs. 120,000/- in urban areas for 1 credit line and up to Rs. 6.00 Lacs for Line of Credit 2 or the economically weaker division having an annual family income of Rs. 1.00 lac.
• If a person wants to take advantage of a loan for a scheme that includes an activity of a technical nature, he must have at least a high school diploma. However, if the loan is used in schemes that do not require technical knowledge, such as activities of a hereditary and non-technical nature, the educational qualification requirement is not required.

How To Get The Loan

As per the eligibility criteria, the applicant must complete the application form PDF Loan I English for consideration by the District Level Examination Committee.

After approval by Distt. Level Screening Committee, Field Officer, Backfinco will complete the PDF iconLoan Application Form II English for Backward Classes and Minorities along with the required documents and then recommend the case to Backfinco Head Office.

Documents to be submitted by the beneficiary (with the second loan application form)

• Two duly certified personal photos.
• If the lender gives the guarantee to a third person, a photocopy is duly certified by the guarantor.
• If the applicant belongs to the Backward Class, the Backward Class certificate will be duly issued by the relevant authority, and an income certificate duly certified by a notary or executive Magistrate/judge.
• If the applicant belongs to a minority community, the income certificate is duly certified by a notary public or executive judge.
• An affidavit from the applicant stating that he did not receive any benefit under any support scheme that has been/is being implemented by the government of the State / Central government agencies.
• Security of his land, house/plot of land, or that of the guarantor worth twice the loan amount plus Fard Jamabandi, house map, or plot of land. If the guarantor submits the guarantee, an affidavit must also be obtained from him stating that the property is free of all encumbrances.
• A certified copy of the Rashan card or voter ID card as proof of residence.
• If payment is to be made to the third party, a quotation from the reputed company is duly signed by the owner, applicant, and Backfinco field officer.
• A certified copy of the qualification certificate if required.
• A certified copy of the training certificate is obtained if required.

Which Documents Are Required?

• Application form duly attested by competent Authority.
• Attested copy of S.C. certificate.
• Valuation certificate of property to be mortgaged.
• Map of property.
• Farad Zama Bandi.
• If the property is self-purchased, then a copy of the registry is to be attached.
• Affidavit regarding the loan.
• 3 attested photographs.
• In the case of service Surety their employer certificate, salary certificate, and Surety bond.

PBSCFC Loan Application Form

Chief Minister Charanjit Singh Channi stated that “Punjab Scheduled Castes Land Development Finance Corporation provides SC loans to needy people for the upgrading of their economy.” To get a loan, one has to download the loan application form in PDF format from the official website pbscfc.punjab.gov.in.

Download PBSCFC Bank Tie-up Scheme Loan Application Form 1

The direct link to download the PBSCFC Punjab Gov In Loan Application Form is available on the official website of Punjab Scheduled Castes Land Development & Finance Corporation –
https://pbscfc.punjab.gov.in/sites/default/files/bank_tieup_scheme_form.pdf

Download the PBSCFC 2 Loan Application Form

The direct link to download PBSCFC Loan Application Form 2 is available on the official website of Punjab Scheduled Castes Land Development & Finance Corporation –
pbscfc.punjab.gov.in/sites/default/files/CORPORATION-1-6%20PAGES.PDF

Punjab Backfinco Loan Application Form

Punjab Backward Classes Land Development Finance Corporation provides loans to the needy people of the backward classes to raise the level of their economy”. To get a loan, one has to download the loan application form in PDF format from the official backfinco.punjab.gov.in website.

• Check how to get a loan – backfinco.punjab.gov.in/?q=node/24
• Eligibility criteria for a backfinco loan – backfinco.punjab.gov.in/?q=node/25
• Check backfinco Schemes – backfinco.punjab.gov.in/?q=schemes

The company offers loans at easy interest rates to people belonging to the category of Scheduled Castes category, backward classes, economically weaker sections, and others for setting up self-employment enterprises.

PUNJAB S.C LAND DEVELOPMENT AND FINANCE CORP., CHANDIGARH.

Achievements under various schemes during the year 2021-22 (up to 31-03-2022) Amt. in Lacs

Name of the Scheme	No. of Benef.	Loan including subsidy	Subsidy
Direct Lending Scheme	241	532.83	15.00
Bank Tie-up Scheme	1492	1365.07	149.20
Scheme in collaboration with NSFDC	40	64.98	NIL
Scheme in collaboration with NSKFDC	194	314.77	2.70
Schemes in collaboration with NHFDC	49	107.28	0.40
National Scheme for Rehabilitation of Manual Scavengers	NIL	NIL	NIL
TOTAL	2015	2384.93	167.30

PUNJAB SCHEDULED CASTES LAND DEVELOPMENT AND FINANCE CORPORATION, CHANDIGARH.
Achievements under various schemes since inception of the corporation up to 31.03.2021(Amt. in lacs)

Name of the Scheme	No. of Benef.	Loan including subsidy	Subsidy
Direct Lending Scheme	43205	12661.84	107.20
Bank Tie-up Scheme	462125	56119.49	16997.48
Economic Venture Scheme
1) Purchase of Plot	5775	371.73	371.73
2) Venture Setup	7954	2728.48	610.31
Scavenger Scheme	3049	646.56	331.69
Goat rearing scheme	483	251.58	86.44
Scheme in collaboration with NSFDC	4397	2923.65	30.68
Scheme in collaboration with NHFDC	1037	1357.31	1.30
Scheme in collaboration with NSKFDC	1698	1351.09	11.64
Mahila Samridhi Yojna scheme	113	26.59	6.30
Houses for Houseless scheme	8260	613.25	613.25
Self Employment scheme	41	18.69	2.80
Commercial dairy farm scheme	530	409.92	NIL
Transport vehicle scheme	615	1536.03	NIL
Land Purchase scheme	65	52.03	NIL
Total	539387	81068.24	19170.82

USEFUL LINKS

• Function And duty 
• Achievements
• Success Stories
• FAQ’s
• Download Loan / RTI Forms
• Recovery Procedure

Contact Us @ pbscfc.punjab.gov.in

Punjab Scheduled Castes Land Development & Finance Corp.

• Address: S.C.O. No. 101-103 Sector 17-C, Chandigarh.
• Tel: 0172 -5025092,5025334

What are the various loan schemes of the corporation?

• Direct Lending Scheme
• Schemes In Collaboration With NSFDC
• Bank Tie-Up Scheme
• Schemes in collaboration with NSKFDC
• Schemes in Collaboration with NHFDC
• Self Employment Scheme For Rehabilitation of Manual Scavengers [SRMS]

Frequently asked questions about the Punjab SC / BC Loan Waiver Scheme

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