Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD

The Composite Loan Scheme is a debt-based funding route run by the Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC), a body of the Government of NCT of Delhi. Its purpose is straightforward: give people from Delhi's Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority and disability communities the capital they need to build a livelihood of their own, instead of leaving them blocked by a lack of money.

The support here is a loan, not a grant and not equity. Borrowers repay what they receive, and no ownership stake in the venture changes hands. There is also no single annual window to beat — the scheme is rolling and always open, so an application can be filed whenever a founder is ready.

How much you can seek depends on the category you belong to. Scheduled Caste applicants are eligible for the largest ticket, up to ₹3,00,000. Applicants from the Other Backward Class, Minority and Persons with Disabilities groups can seek up to ₹1,00,000. Scheduled Tribe applicants are named among the categories the scheme serves.

The money is meant to be put to work in an income-generating activity, which is why the scheme sits at the intersection of financial inclusion and self-employment. For a small trader, artisan, service provider or micro-entrepreneur in Delhi who falls within one of the listed communities, it can be the difference between an idea that stays on paper and one that actually opens for business.

• Need-based loan of up to ₹3,00,000 for Scheduled Caste applicants
• Up to ₹1,00,000 for OBC, Minority and PwD applicants
• Rolling scheme — applications accepted at any time, no fixed deadline
• Open to Delhi residents aged 18 to 50 with family income up to ₹1,20,000
• Run by DSFDC under the Government of NCT of Delhi
• Backs self-employment and other income-generating activities

The scheme is open to individuals, and every one of the following conditions has to be met before an application is considered.

• Category: you must belong to the Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority or Persons with Disabilities (PwD) category.
• Domicile: you must be a resident of Delhi.
• Age: you must be between 18 and 50 years old.
• Family income: your annual family income must not exceed ₹1,20,000.
• Intended activity: you must be willing to take up an income-generating activity that the scheme approves.
• Workplace: you need a proper place of work, either owned by you or taken on rent.
• No prior default: you must not have been declared a defaulter under any DSFDC scheme.

The published eligibility rules do not lay down any restriction on industry, business structure, or DPIIT/MSME registration status — the qualifying test is the applicant's category, Delhi residency, age, family income, workplace and clean repayment record with DSFDC.

Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD is open to startups at any stage. It is open to startups registered anywhere in India.

Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

Assistance under the scheme is extended as a need-based loan, released to help the borrower set up or expand an activity that generates income.

• Applicants from the Scheduled Caste category can access up to ₹3,00,000.
• Applicants from the Other Backward Class, Minority and Persons with Disabilities categories can access up to ₹1,00,000.
• Scheduled Tribe applicants are among the categories the scheme is designed to serve.

Because the instrument is debt, the amount is repaid rather than exchanged for a share of the business — there is no dilution of ownership. The practical effect for a first-time entrepreneur from a listed community in Delhi is access to working capital that would otherwise be hard to raise, and with it the chance to move from dependence on daily wages to running a venture of one's own.

Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD is offered by Delhi SC/ST/OBC/Minorities/Handicapped Financial and Development Corporation (DSFDC), a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

Applications are not allotted on a first-come basis. Once a form reaches DSFDC, it goes through a screening stage before any money is released.

• Eligibility check: officials verify that the applicant genuinely falls within one of the covered categories — Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority or Persons with Disabilities.
• Residency, age and income verification: Delhi residence, the 18–50 age band and the ₹1,20,000 family income ceiling are all confirmed.
• Assessment of the proposed activity: the viability of the income-generating activity the applicant plans to pursue is examined.
• Document review: every paper submitted is checked for completeness and for compliance with the scheme's guidelines.
• Disbursement consideration: applicants who satisfy all the criteria and whose application is complete are then taken forward for loan disbursement.

Before you apply to Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.

Composite Loan Scheme — Up to ₹3L for Delhi SC, OBC, Minority & PwD is best suited for startups in India seeking non-dilutive funding of ₹3L. If that describes your startup, review the eligibility criteria above before applying.