Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs

The Big Loan Scheme is a debt-based funding window operated by the Delhi Scheduled Castes, Other Backward Classes, Minorities and Handicapped Finance and Development Corporation Limited, better known as DSFDC. The corporation functions under the Government of the National Capital Territory of Delhi and delivers this programme together with the National Apex Corporations. Its core purpose is to put affordable term credit within reach of borrowers from historically underserved communities in Delhi, so that they can launch or expand a venture that earns them a living.

The money can go towards the project cost of a small enterprise or another income-generating activity, provided the trade falls in the non-polluting categories permitted in Delhi. Entrepreneurs from Scheduled Caste, Other Backward Class, Minority, Safai Karamchari and Persons with Disabilities backgrounds are all covered. There is no closing date to plan around — applications are accepted on a rolling basis throughout the year, and the route is entirely offline.

Because the support arrives as a loan and not as equity, a successful applicant retains complete ownership of the business and simply repays the sanctioned amount in monthly instalments after an initial grace period. The corporation also checks that the venture fits the scheme's guidelines before releasing funds.

• Term loan of up to ₹5 lakh per applicant
• Meant for non-polluting, income-generating businesses in Delhi
• Repayment in 60 monthly instalments after a 6-month moratorium; PwD borrowers get up to 120 instalments with a 3-month moratorium
• Open to SC, OBC, Minority, Safai Karamchari and PwD applicants aged 18-50 who are Delhi residents
• Rolling applications — no fixed deadline
• Offline submission at DSFDC offices with a ₹350 processing fee

Residency and age

• The scheme is open only to permanent residents of Delhi.
• Your age must be between 18 and 50 years at the time of applying.

Community and category

• You must belong to one of the notified target groups: Scheduled Castes, Other Backward Classes, Minorities, Safai Karamcharis, or Persons with Disabilities.

Income ceilings

• Scheduled Caste, Other Backward Class and Minority applicants outside the creamy layer must have an annual family income of ₹1,20,000 or less.
• Minority applicants within the creamy layer can have an annual family income of up to ₹6,00,000.
• No income limit applies to Safai Karamchari or Persons with Disabilities applicants.

Borrowing record and capability

• You must not have defaulted on any earlier loan taken from DSFDC, a nationalised bank, a financial institution or a co-operative bank.
• You should have the knowledge and experience that the proposed business activity demands.

Clearances for the business

• Wherever applicable, valid permissions such as an SSI Certificate or a Pollution Control Certificate are required. This matters most for manufacturing units, which must be located in an approved industrial area.

Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs is open to startups at any stage. It is open to startups registered anywhere in India.

Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs 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.

Loan amount

• DSFDC sanctions a term loan of up to ₹5,00,000 per applicant.
• The funds are intended to cover the project cost of starting or growing a small business or another income-generating venture.

Repayment and grace period

• Most borrowers repay through 60 equal monthly instalments across five years.
• Repayment begins only after a six-month moratorium, so the venture has time to stabilise first.
• Persons with Disabilities receive a longer window: up to 120 monthly instalments (ten years) along with a three-month moratorium.

How the money reaches you

• The sanctioned amount is credited directly into the applicant's bank account once all formalities are finished.
• As this is a loan product, the funding is non-dilutive — DSFDC does not acquire any share of your business in return.

Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs 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.

Review of your application

Every application is examined by DSFDC. The reviewing committee looks at the applicant's eligibility, whether the proposal complies with the scheme's guidelines, whether the applicant possesses the knowledge and experience the proposed activity calls for, and whether the project itself is viable. The panel also verifies that the applicant has not defaulted on a previous loan.

Sanction and disbursement

• Applicants who clear the review are issued a Letter of Intent.
• Final sanction and release of funds depend on completing all post-sanction requirements, which usually involve submitting guarantor details, additional photographs, affidavits and other proofs as called for.
• After these steps are done, the approved amount is disbursed into the applicant's bank account.

Filing the application

• Obtain the prescribed form by downloading it from the official DSFDC website or by collecting it from the DSFDC Head Office in Rohini, or from a branch office at Rajpur Road, Nand Nagari or Mangol Puri.
• Fill in every mandatory field, paste a recent passport-sized photograph in the space provided, and attach self-attested copies of the supporting documents — proof of residence, age, category and income, plus any business permissions that apply.
• Submit the signed form with all attachments at the nearest DSFDC office and pay a processing fee of ₹350 at the time of submission.

Before you apply to Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs, 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.

Big Loan Scheme — ₹5L Term Loan for Delhi SC/OBC/Minority & PwD Entrepreneurs is best suited for startups in India seeking non-dilutive funding of ₹5L. If that describes your startup, review the eligibility criteria above before applying.