Composite Loan Scheme

Composite Loan Scheme provides need-based financial assistance to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and persons with disabilities in Delhi to help them establish self-employment ventures. The Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation (DSFDC), under the Government of NCT of Delhi, runs this scheme to support eligible people in starting income-generating activities through term loans.

The scheme helps turn business ideas into reality by providing funds for various small enterprises. It encourages entrepreneurship among socially disadvantaged groups and supports economic independence across the capital region. As of August 2026, the scheme continues to accept applications through its branch offices across Delhi.

Composite Loan Scheme

Under this scheme, DSFDC offers loans for pursuing a wide range of approved income-generating activities. These include vegetable and fruit shops, bakeries, kirana stores, dairy products, stationery shops, cyber cafés, LPG booking offices, atta chakki, meat and fish shops, pan shops, beauty parlours, laundries, sweet shops, chemist shops, tailoring shops, optical shops, repair shops, photo studios, cable TV operations, garment shops, ATMs, ration shops, cycle repair shops, non-polluting manufacturing units, three-wheeler or taxi purchases, and other suitable activities approved by the Principal Secretary (SC/ST/OBC/Minority).

The scheme targets five key beneficiary groups — Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and Persons with Disabilities. Each group receives need-based financial support to start or expand a small business venture. The loan amounts vary depending on the category, with higher limits available for SC applicants.

Application Process

STEP 1 - Download and print the prescribed application form from the official DSFDC website at dsfdc.delhi.gov.in or collect a free copy from any of the three branch offices located at Rajpur Road, Mangolpuri, and Nand Nagri, or from the headquarters at Rohini.

STEP 2 - Fill in all required details carefully, attach a recent passport-sized photograph, and gather all supporting documents listed below before proceeding to submission.

STEP 3 - Submit your completed and signed application form along with all necessary documents to the Branch In-Charge at your local DSFDC office. Collect an acknowledgement receipt for your records.

Eligibility Criteria

To qualify for the Composite Loan Scheme, applicants must meet the following conditions:

• The applicant must belong to one of the target categories — Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority community, or be a Person with Disability.
• The applicant must be a permanent resident of Delhi.
• The applicant's age must be between 18 and 50 years.
• The total annual family income from all sources must not exceed ₹1.20 lakh.
• The applicant must have a proper workplace for the proposed activity, either owned or rented.
• The applicant must not have been declared a defaulter under any DSFDC scheme.

Loan Amounts

The maximum loan amounts available under this scheme are categorized as follows:

Required Documents

Applicants must prepare the following documents before submitting their application:

• Duly filled loan application form (available free at branch offices or online).
• Aadhaar card as proof of identity and residence.
• Caste certificate issued by the Government of Delhi or minority community affidavit.
• PwD certificate from a government hospital showing minimum 40% disability (if applicable).
• Age proof such as birth certificate, school leaving certificate, or affidavit.
• Income certificate in the form of an affidavit.
• Affidavit confirming no loan has been availed from any financial institution or government organization.
• Estimate of items or machines to be procured for the proposed activity.
• Workplace ownership proof such as electricity bill, water bill, telephone bill, or property documents.
• Rent agreement and ID proof of owner (if workplace is on rent).
• No Objection Certificate affidavit if workplace is owned by a blood relative.
• ECS mandate with 05 blank CTS post-dated cheques in favour of DSFDC and one cancelled cheque for RTGS payment.
• Personal guarantee affidavit.
• Legal heir affidavit and ID proof with passport-size photo.
• Insurance receipts under Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
• Two witnesses with ID proof and a group photograph showing applicant, guarantor, two witnesses, Branch In-Charge, and Dealing Assistant.
• Demand Draft of ₹350/- in favour of DSFDC towards processing fee.

Guarantor requirements (for loans above ₹2,00,000/-): Applicants needing loans above ₹2 lakh must provide a guarantor with original pay slip, office ID card, Aadhaar card, date of birth proof, affidavit of guarantor in prescribed format, and 05 passport-size photographs. Five blank post-dated cheques from the guarantor are also required. Alternatively, collateral security such as NSC, KVP, FDR with lien letter in favour of DSFDC, or original property documents with NOC from the owner can be provided. For loans up to ₹50,000, no guarantor or collateral is required, though the applicant must produce two references of prominent persons who are permanent residents of Delhi.

References

Scheme Guidelines (PDF)

Official Application Form (PDF)

DSFDC Loan Schemes Page

FAQ's

What are the eligibility criteria for persons with disabilities?

You must have a disability of at least 40%, reside in Delhi, and have an annual family income of less than ₹1.20 lakh.

Is local residency in Delhi required?

Yes, you must be a resident of Delhi to qualify for the scheme.

What is the age requirement for applicants?

You should be between 18 and 50 years old to submit an application.

What is the maximum annual family income limit?

Your total annual family income from all sources should not exceed ₹1.20 lakh.

Are there specific activities I must pursue?

Yes, you should select an activity from the approved list of income-generating ventures mentioned in the official scheme guidelines.

Do I need a workplace to apply?

Yes, you should have a designated workspace, either owned by you or rented, to conduct your business activity.

Can I apply if I have defaulted on past loans?

No, you are ineligible if you have been declared a defaulter by the DSFDC previously.

What is the maximum loan limit for Scheduled Caste applicants?

You can avail of a need-based loan of up to ₹3,00,000/-.

What is the maximum loan limit for OBC, Minority, and PwD applicants?

You can receive a need-based loan of up to ₹1,00,000/-.

How can I prove my age?

You may use your birth certificate, school leaving certificate, or a valid affidavit as proof of age.

What if my workplace is owned by a relative?

You should provide an affidavit containing a No Objection Certificate signed by your relative.

Are guarantors necessary for larger loans?

Yes, for loans exceeding ₹2,00,000/-, you must provide five blank post-dated cheques from a valid guarantor or provide collateral security.