Big Loan Scheme

The Big Loan Scheme is implemented by the Delhi Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities & Safai Karamchari Finance & Development Corporation (DSFDC), Government of NCT of Delhi. As per the official scheme document , under this scheme, different National Apex Corporations provide term loans to DSFDC up to ₹5.00 lakh per beneficiary as part of the total project cost, based on case-to-case assessment.

The objective of the scheme is to support eligible applicants in setting up income-generating activities under permissible non-polluting trades approved in Delhi. In case of manufacturing activities, the unit must be located in an approved industrial area. The loan is disbursed jointly by DSFDC and the concerned National Apex Corporation after issuance of a Letter of Intent. This scheme enables you as an MSME entrepreneur to establish or expand business activities with structured financial support.

Key Features
Financial Assistance
Eligibility Criteria
Documents Required
Application Process for the Scheme

Key Features

Need-Based Term Loan: Loan assistance is provided up to ₹5 lakh depending on project requirement and viability. Sanction is based on evaluation of the business proposal.
Joint Financing Structure: The loan is released jointly by DSFDC and the respective National Apex Corporation after approval and issuance of Letter of Intent.
Permissible Activities: Only non-polluting activities approved in Delhi are eligible. For manufacturing projects, the business must operate from an authorised industrial area.
Target Beneficiaries: The scheme is specifically designed for applicants belonging to Scheduled Castes, Other Backward Classes, Minority communities, Safai Karamcharis, and Persons with Disabilities.
Structured Repayment: Loan is repayable in 60 monthly installments over five years, including a six-month moratorium. For the PwD category, repayment may extend up to seven years.

Financial Assistance

Component	Assistance Provided	Detailed Explanation (Example for Clarity)
Maximum Loan	Up to ₹5,00,000	If your approved project cost is ₹4.50 lakh for a manufacturing unit in an industrial area, the scheme may finance the required amount based on assessment.
Interest & Terms	As per Apex Corporation norms	Interest rate and other financial terms are governed by respective National Apex Corporation guidelines.
Repayment	60 EMIs over 5 years	For example, after 6 months’ moratorium, repayment begins through structured monthly installments.
Moratorium	6 months (general), up to 1 year for PwD	PwD beneficiaries may receive extended repayment flexibility.
Security/Guarantee	Guarantor required; collateral if applicable	Property documents, FDR/NSC/KVP or other security may be required depending on loan amount and case assessment.

Eligibility Criteria

You are eligible if:

You are a permanent resident of Delhi and possess Ration Card/Voter ID.
Aadhaar Card is mandatory.
Your age is between 18 and 50 years.
Your annual family income does not exceed ₹1,20,000 per annum for SC/OBC/Minority categories.
For Minority creamy layer category, income ceiling is ₹6.00 lakh per annum.
No income limit for PwDs and Safai Karamchari categories.
You have not been declared a defaulter under any scheme of DSFDC or any financial institution.
You possess required knowledge/experience for the proposed activity.
Necessary business permissions (SSI Registration, Pollution Control Certificate, Industrial Licence, etc.) must be obtained if applicable.

Documents Required

Pre-Sanction:

Loan application form
Five passport-size photographs
Caste certificate (SC/ST/OBC/PwD) or Minority affidavit
Aadhaar Card
Age proof
Income certificate
Affidavit of non-availing loan
Work place ownership/rent proof
Technical qualification proof
CA-certified 5-year project report
Industrial licence/SSI registration (if applicable)
Pollution Control Certificate (for manufacturing)
Processing fee ₹350
Disability certificate (minimum 40%) for PwD category
Relevant documents for Safai Karamchari eligibility

Post-Sanction:

Guarantor documents and photographs
Pay slip and ID proof of guarantor
ECS mandate form
Post-dated cheques
Two local witnesses’ ID proof
Insurance policy copies (PMJJBY & PMSBY)

Application Process for the Scheme

Option 1: Apply with Bullit, Recommended

Start instantly with our guided application support, where our team verifies eligibility, prepares documentation, and coordinates with the Industries Department on your behalf. Using our business loans and compliance calendar, you can track progress while focusing on project execution, we manage the application end-to-end.

Option 2: Apply Directly Through DSFDC

Pre-Sanction Stage:

Collect application form from DSFDC Head Office (Rohini) or Branch Offices (Rajpur Road, Nand Nagri, Mangol Puri), or download from official website.
Fill in complete details and attach required documents.
Submit with a processing fee of ₹350.
Provide a project report with a five-year projected profit & loss statement certified by a Chartered Accountant.
Attach guarantor details and security documents if applicable.

Post-Sanction Stage:

Submit guarantor photographs and undertaking.
Provide pay slip, ID proof, and age proof of guarantor.
Submit ECS mandate and 5 post-dated cheques of guarantor.
Submit insurance copies (PMJJBY & PMSBY).
Two local witnesses must be present at signing.
Loan agreement is executed and disbursement is made jointly.