KSBCDC Self-Employment Loan for backward classes, NBCFDC line
A self-employment loan for people from backward classes with family income up to ₹3 lakh, at 6% up to ₹1.25 lakh and 8% above, funded by the national backward classes corporation.
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- Cost to apply
- No application fee is mentioned on the official pages
- Status
- Open
- Run by
- Kerala State Backward Classes Development Corporation (KSBCDC), funded by the National Backward Classes Finance and Development Corporation (NBCFDC)
What you get
- 6% interest for loans up to ₹1.25 lakh, 8% above
- Repay over 48 months up to ₹1.25 lakh, 60 months up to ₹2 lakh, 72 months up to ₹5 lakh and 84 months above
Who can apply
- Nano and micro enterprises.
- Only for OBC.
- Age 18 to 55.
- The most on offer is ₹15 lakh.
- Communities on the Kerala list of other backward classes
- Aged 18 to 55
- Annual family income up to ₹3 lakh
How to apply
- Get the application form from the nearest KSBCDC district or sub-district office
- Submit it with the documents listed
- After data entry you are called for an interview and the originals are checked
- Provide security and sign the loan papers once the loan is sanctioned
In person, nearest KSBCDC district or sub-district office
In Kerala, KSBCDC district and sub-district offices
Documents to keep ready
- Application form from the nearest KSBCDC office
- Income certificate
- Ration card
- Aadhaar
- Caste or community certificate
- Project report, where needed
- Security documents
Figures you may see elsewhere
The NBCFDC scheme page gives a maximum loan of ₹15 lakh. The KSBCDC FAQ says up to ₹25 lakh. The scheme page figure is used here.
Worth knowing
Listed on the KSBCDC NBCFDC schemes page, read on 5 November 2026.
Where we found this
An independent guide by The Company of Four, not a government website. Schemes change often, so check every detail on the official website before you apply. Links marked ↗ open external websites that we do not run, and we are not responsible for their content. Seen something out of date? Tell us and we will look into it.