Sarkari Yojana
Bank Loan Processing Fee Reimbursement Scheme
About Bank Loan Processing Fee Reimbursement Scheme
Delivered under the Ministry of Micro, Small, and Medium Enterprises’ National SC-ST Hub programme, the Bank Loan Processing Fee Reimbursement Scheme reimburses SC/ST Micro and Small Enterprises for most of the loan-processing fees banks and other lenders charge. It applies to both fund-based and non-fund-based loans, cutting the upfront cost entrepreneurs face and making institutional credit easier to access — part of a broader push toward inclusive growth and SC/ST business development.
Scheme Overview
Central Government
Ministry Of Micro, Small and Medium Enterprises
Business Entity
Scheme Details
Eligibility Requirements
To qualify for Bank Loan Processing Fee Reimbursement Scheme, applicants must satisfy the following conditions:
The applicant must belong to the Scheduled Caste/Scheduled…
The applicant must belong to the Scheduled Caste/Scheduled Tribe community.
They must own or represent an MSE unit
They must own or represent an MSE unit.
The scheme covers MSEs that have borrowed from…
The scheme covers MSEs that have borrowed from Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs), or State Finance Corporations.
Benefits Provided
Bank Loan Processing Fee Reimbursement Scheme provides the following benefits to eligible applicants:
Processing Fee Reimbursement
Processing Fee Reimbursement: The reimbursement is the lower of 80% of the processing fee or ₹1,00,000/-, excluding GST and taxes.
Documents Required
Applicants should keep the following documents ready before starting the application:
Self-certified copy of Udyam Registration (UR) & GST…
Self-certified copy of Udyam Registration (UR) & GST registration, where applicable.
Self-certified PAN card copy — for proprietorships, the…
Self-certified PAN card copy — for proprietorships, the SC/ST proprietor's PAN card is required.
Caste certificate copy for the proprietor/all partners/directors
Caste certificate copy for the proprietor/all partners/directors.
Shareholding details for partnership/Pvt
Shareholding details for partnership/Pvt. Ltd./LLP firms, to confirm SC/ST MSE status (SC/ST entrepreneur shareholding must be above 51%), along with the Partnership Deed or Memorandum and Articles of Association as applicable.
Bank-attested debit statement showing the bank loan processing…
Bank-attested debit statement showing the bank loan processing fee, loan number, and applicant MSE's name, plus a valid/original payment receipt or system-generated GST invoice.
Business loan availment/disbursement certificate or bank statement confirming…
Business loan availment/disbursement certificate or bank statement confirming the loan was taken.
Bank-attested copy of the loan sanction letter
Bank-attested copy of the loan sanction letter.
A cancelled cheque from the enterprise's current account…
A cancelled cheque from the enterprise's current account from which the processing fee was debited.
Proof of any earlier reimbursement transferred by NSSHO/NSIC…
Proof of any earlier reimbursement transferred by NSSHO/NSIC through PFMS under this scheme within the same financial year.
How to Apply
Online Application
Applicants can apply for Bank Loan Processing Fee Reimbursement Scheme through the online application process outlined below.
Go to the official portal of the National…
Go to the official portal of the National SC-ST Hub.
Select the scheme name, then click "Sign Up"…
Select the scheme name, then click "Sign Up" and provide basic details — name, email ID, mobile number.
Set a password and complete registration
Set a password and complete registration.
Log in with your registered credentials
Log in with your registered credentials.
Enter the required details and submit the application…
Enter the required details and submit the application online.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.