TAMIL NADU BACKWARD CLASSES ECONOMIC DEVELOPMENT CORPORATION LIMITED

TAMIL NADU BACKWARD CLASSES ECONOMIC DEVELOPMENT CORPORATION LIMITED

Objectives

Loan Details

- Eligibility

- Documents Needed

- Selection of beneficiary

- Sharing Pattern

- Amount & Repayment

- Form

- District Screening Committee

- Contact us

Objectives:-

The object of the Corporation is to provide loans for the economically and financially viable schemes, trade or project to the individuals, Groups, Societies, belonging to the Backward Classes, Most Backward Classes and Denotified Communities at lower interest rates for their economic upliftment through the following Sub-Chanelising Agencies.

District Central Co-operative Banks/Urban Co-operative Banks/Primary Agricultural

Co-operative Banks.

Tamil Nadu Industrial Co-operative Bank.

Tamil Nadu Handloom Development Corporation.

Private Banks/Nationalised Banks.

District Co-operative Milk Producers Unions.

I. GENERAL TERM LOAN SCHEME:-

Eligibility Criteria:-

a). Annual Family Income Limit:-

Rural : Below Rs. 40,000/-

Urban : Below Rs. 55,000/-

b). Age Limit:-

Individual’s Age should be 18 years and above.

c). Community:-

Beneficiary should be Backward Classes/Most Backward Classes/De-notified Community.

Documents Needed:-

Submission of loan application:-

The loan application have to be submitted to any one of the following Officers:-

The District Backward Classes and Minority Welfare Officer and

Regional Manager , TABCEDCO in the Districts.

The Regional Joint Registrar of Co-operative Societies in the Districts.

Concerned Co-operative Banks in the Districts.

Applications can be had at the above offices/Banks including Corporate Office at free of cost. Application along with the copy of the following documents should be sent to the aforesaid offices.

Income and Community Certificates.

Ration Card.

Reason for applying loan ( Details of Business)

Project Report (In case of big project only)

Driving License (In case of loan for applying for the Transport Sector).

Documents required by the bank if any.

Selection of Beneficiary:-

For the disbursement of Term loan through Co-operative Banks, Term loan applications are being received from the beneficiaries at the office of District Backward Classes and Minorities welfare officer in Districts, Office of the Joint Registrar of co-operative societies and at the Co-operative Banks. After scrutiny and ensuring the viability of the schemes and credit worthiness of the applicant by the co-operative Banks, the applications are being placed before the District Screening Committee in the respective Districts. Beneficiaries are being selected by the Screening Committee functioning at District level and the District Screening committees recommend for sanction of loan to such beneficiaries through Co-operative Banks together with Form 'A'.

For disbursement of loan under Milch Animal scheme through Aavin, District Milk Producers Unions are selecting the beneficiaries among the members of the Milk Producers Co-operative Societies under their control and Aavin (Federation ) recommend for sanction of loan to such beneficiaries.

Sharing Pattern:-

Sharing Pattern of Term Loan (Except Transport Sector)

NBCFDC Share	TABCEDCO Share	Beneficiary Share
85%	10%	5%
(Interest at 6% p.a.)	(Interest at 10% p.a.)

Amount and Repayment :-

Quantum of Loan and Repayment Period
Purpose of Loan	Maximum Loan amount	Period of Repayment
Small Trade Business/ Artisan and Traditional Occupation. Agricultural and allied Activities/Service Sector.	Rs.100000/- (More than Rs.1 lakh loan will be sanctioned with the permission of NBCFDC)	Maximum 5 years in 20 quarterly instalments.
Milch Animal Scheme	Rs. 15000/- per animal (2 animals per individual)	Maximum 3 years in 12 quarterly instalments.
Van/Car/Tractor with Trailor.	Rs. 3.13 lalks at 10% interest	Maximum 5 years in 20 quarterly instalments.

II. Loan to Entrepreneurship Development Programme Trained Women:

In G.O.Ms.No.50, Backward Classes, Most Backward Classes and Minorities Welfare Department dated 6.11.2002 Government permitted TABCEDCO to disburse loans to 5000 Entrepreneurship Development Programme Trained Women at Rs.10,000/- each through Co-operative Banks under General Loans Schemes.

III. New Swarnima Scheme for Women:-

TABCEDCO has implemented a new scheme called New Swarnima Scheme exclusively for Women whose annual family income is with in the norms of poverty line from 2004-05 through Co-operative Banks under the same Terms and conditions of General Term Loan Scheme.

Sharing Pattern:-

Sharing Pattern of New Swarnima Scheme for Women.

NBCFDC Share	TABCEDCO Share	Beneficiary Share
95%	5%	NIL
(Interest at 4% p.a.)	Interest at 10% p.a.)

Amount and Repayment :-

Quantum of Loan and Repayment Period
Purpose of Loan	Maximum Loan amount	Period of Repayment
Small Trade Business/ Artisan and Traditional Occupation. Agricultural and allied Activities/Service Sector.	Rs.50000/-	Maximum 5 years in 20 quarterly instalments.
Milch Animal Scheme	Rs. 15000/- per animal (2 animals per individual)	Maximum 3 years in 12 quarterly instalments.

a). Annual Income Limit:-

Rural : Below Rs. 20,000/-

Urban : Below Rs. 27,500/-

IV. MICRO CREDIT SCHEME:

In G.O.Ms.No.52, Backward Classes, Most Backward Classes and Minorities Welfare Dept. dated 18.11.02, Government have permitted TABCEDCO to implement Micro Credit Scheme with the financial assistance of NBCFDC, New Delhi benefiting one lakh women belonging to Backward Classes / Most Backward Classes/ Denotified Communities. This scheme has been implemented from the year 2002-03.

Salient features of the Scheme:

1. Maximum loan limit per beneficiary (This can be given upto Rs.20,000/- in deserving cases for group activities requiring higher credit) 2. Rate of Interest	Rs.2000/- 4% P. A.
3. Maximum repayment period	12 months
4. The loan will be disbursed to the members of women Self Help Groups through Self Help Groups only.
5. Sub-Channelising Agency.	District Central Co-operative Bank Ltd., and Urban Co-operative Banks
6. Selection of beneficiary	- By District Screening Committee
7. Annual Income Limit	Rural : Not Exceeding Rs. 40,000 / -Urban : Not Exceeding Rs. 55,000/ -

Members of District Screening Committee:-

1. Regional Joint Registrar of Co-operative Societies : Chairman

2. District Backward Classes and Minorities Welfare Officer : Convener

3. General Manager, District Industries Centre : Member

4. Special Officer, District Central Co-operative Bank : Member

5. Project Officer, Tamil Nadu Corporation for Development of Women : Member

6. Representative of concerned Co-operative Banks : Member

7. Representative of Self Help Groups : Member

Officers of the Corporate Office	Address	Phone No.
1. Chairman	807, Anna Salai, (V th Floor) Chennai – 600 002, Tamil Nadu.	28520422
2. Managing Director.		28520422
3. Financial Advisor-cum- Company Secretary		28520144
4. Manager (Project - BC)		28520144
5. Assistant Accounts Officer		28520144

Districts:-

O/o. District Backward Classes and Minorities Welfare Officer at District Collectorate.

- O/o. The Regional Joint Registrar of Co-operative Societies in Districts.

- Milch Animal Scheme through Tamil Nadu Co-operative Milk Producers Federation Limited.

Co-ordinating Officers in Districts:-

District Backward Classes and Minorities Welfare Officer and Regional Manager,

TABCEDCO, and Regional Joint Registrar of Co-operative Societies.

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