PM Visvas Yojana Eligibility / Application Form / Documents List at www.nbcfdc.gov.in. PM Visvas Scheme or Vanchit Ikai Samooh aur Vargon ko Aarthik Sahayata Yojana has been launched by the central government. Under this scheme, interest subvention will be provided to Self Help Groups with 100% OBC members and OBC individuals who have taken loan for various income generating activities from those Lending Institutions who have signed MoA with NBCFDC.
In this scheme, people from underprivileged sections who have taken bank loans will get 5% subsidy per annum through direct cash transfer. The new PM Visvas Scheme 2021 will provide immediate cash transfer to beneficiaries. Central govt. is diligently working towards promoting economic development of the underprivileged through various focused schemes. This PM Vishvas Scheme is another major initiative towards the upliftment of people from poor sections of the society.
Eligibility Criteria for PM Visvas Yojana 2021
- Members of Backward Classes, as notified by Central Government/State Governments from time to time.
- Applicant’s annual family income should be less than Rs. 3.00 Lakh.
- SHGs must be registered with NRLM/NULM/NABARD with more than two years of credit history
- SHGs/Individuals must have made all repayments timely to be eligible for Interest Subvention
- All OBC Antoday Anna Yojana (AAY) card holders, and OBC individuals facing three or more Deprivations in terms of SECC-2011, as per records available at the relevant BDO Office shall be eligible for Interest Subvention.
- All OBC beneficiaries involved in Agricultural activities and getting coverage under the PM Kisan shall be eligible for coverage under Interest Subvention
Salient Features of PM Visvas Scheme
| Maximum loan limit (for SHG) | Rs. 4 lakh |
| Maximum loan limit (for individual) | Rs. 2 lakh |
| Maximum Subvention Amount | @ 5% per annum |
| Caste Eligibility (for SHG) | All members to be OBC. SHG promoted by NRLM/NABARD/NULM |
| Caste Eligibility (for individual) | Caste to be under OBC list of Centre or State |
| Annual Family Income Cap (for SHG) | To be less than Rs. 3 Lakh for each member |
| Annual Family Income Cap (for individual) | To be less than Rs. 3 Lakh |
Mode of Payment of Subvention under PM Vishvas Yojana
Through Direct Transfer of Subvention Amount into operating account of SHG or Individual
Period of PM Vanchit Ikai Samooh aur Vargon Ke Liye Aarthik Sahayata Yojana
Valid for 2021 as of now. Further extension contingent on the evaluation of the Scheme by way of its impact assessment
PM Visvas Scheme 2021 – Complete Details
In PM Visvas Scheme, SHGs with all OBC members who have taken loans from banks will now get 5% cash subsidy directly into their bank accounts through DBT Mode. The name “Vanchit Ikai Samooh aur Vargo Ke Liye Arthik Sahayata Yojana” signifies a new financial assistance scheme for disadvantaged group category people. The PM Vishwas scheme notification, guidelines, eligibility criteria, application / registration form filling process have been released.
Recognition of Annual Family Income Cap under PM Visvas Yojana
- Certification by relevant State Govt. /District Authority.
- Antoday Anna Yojana (AAY) card holders.
- Persons covered under PM KISAN.
- Persons with three or more deprivations in terms of SECC-2011
Who will Claim
Public Sector Banks (PSBs), Regional Rural Banks (RRBs) and other Financial Institutions signing MOA with the NBCFDC for implementations of PM VISVAS Yojana.
PM Visvas Scheme Application / Registration Form
- All claims are to be filled online into Visvas Portal, the link of which is available at https://www.nbcfdc.gov.in/.
- Quick PFMS based transfer of subvention amount into SHG / Beneficiary operational account through DBT.
- Automated SMS conveying transfer details to the beneficiary.
List of Documents Required for PM Vishvas Scheme
Here is the complete list of documents required to apply online for PM Visvas Yojana 2021:-
- Recent Passport Size Photograph
- Aadhar Card
- Bank Passbook First Page (Bank Account Details)
- Certificate for Underprivileged / Disadvantaged group
Only on successful verification of the documents and details filled in the application form, 5% cash subsidy would be transferred into the bank accounts of poor people.
Official Announcement of 5% Cash Subsidy Transfer on Bank Loans
National Scheduled Castes Finance and Development Corporation Chairman and Managing Director K. Narayan had announced PM Visvas Scheme last year at a webinar hosted by business chamber Assocham. In the webinar, he said “It would help provide immediate cash benefit to the beneficiary and I would urge our bankers to come forward and extend support to this scheme which would be floated within a period of the next 15-20 days or in a month’s time”.
Dr. Ramdas Athawale said “While there are various government schemes, we must encourage youth belonging to marginalised community to come forward and become a part of the cooperative sector… our ministry also provides skill development training as such and they should take advantage of the same”. The official announcement date for Vanchit Ikai Samooh aur Vargo Ke Liye Arthik Sahayata Yojana was made on 28 August 2020.
Banks Role in Implementing PM Vishwas Scheme
The central govt. is urging members of underprivileged communities to come forward and takes advantage of those government schemes specifically designed to promote their economic development. The banks will play a lead role in helping the underprivileged by providing loans to the aspiring entrepreneurs instead of discouraging them. With the implementation of PM Visvas Scheme, people from deprived sections would be empowered.
The government must also stand behind and support people from disadvantaged groups by providing end-to-end hand holding with the help of NGOs. There is an urgent need to set up a monitoring cell under the PMO to keep track of all the various schemes aimed at supporting the underprivileged and promoting their development. Initiatives like Mission Swavalamban aiming to maximise the outreach and awareness of business opportunities and loan facility access to the aspiring SC/ST entrepreneurs across India should be encouraged.
Frequently Asked Questions (FAQ’s)
What is the full form of PM Visvas Scheme
Prime Minister Vanchit Ikai Samooh aur Vargon Ke Liye Aarthik Sahayata Yojana is the full form of PM VISVAS Scheme. Official website is https://ift.tt/3au97Ec
What is the assistance amount under PM Vishwas Scheme
All the bank loan beneficiaries will get 5% Cash Subsidy per annum directly into their bank accounts through DBT mode.
Who can Apply for PM Visvas Scheme
People from underprivileged sections, marginalised communities or disadvantaged groups can apply for PM Visvas Scheme.
What is the main objective for launch of PM Visvas Scheme
To bring underprivileged and marginalised communities in the mainstream which would lead to rapid development of the country.
Which documents are required to avail assistance in Vishwas Scheme
Recent photograph, aadhaar card, bank account details (passbook), loan details, certificate to prove applicant is from underprivileged or disadvantaged group.
For more PM Visvas Yojana details, visit the official link at https://www.nbcfdc.gov.in/visvas-yojana/en where Visvas scheme details are present. For more information contact Toll Free No.18001023399, Website: www.nbcfdc.gov.in
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