Composite Loan Scheme
“Composite Loan Scheme” aims to provide need-based financial support to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and PwDs to help them pursue various income-generating activities. The scheme encourages self-employment and entrepreneurship.
About This Scheme
The “Composite Loan Scheme” is managed by the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation, Government of NCT of Delhi. The scheme aims to provide need-based financial support to individuals from Scheduled Castes, Scheduled Tribes, Other Backward Classes, Minorities, and Persons with Disabilities to help them pursue various income-generating activities. The scheme encourages self-employment and entrepreneurship, promoting economic independence and social inclusion for the targeted groups.
Benefits
Maximum Permissible Loan Amount
For the SC category, the need-based loan is up to ₹3,00,000/-.
For OBC, Minority and PwD categories, the need-based loan amount is up to ₹1,00,000/-.
Eligibility Criteria
The applicant should be from one of the following target groups – Scheduled Caste, Scheduled Tribe, Other Backward Class, Minority, Persons with Disability.
The applicant should be a resident of Delhi.
The applicant’s age should be between 18 to 50 years.
The annual family income of the applicant (from all sources) should not exceed ₹1,20,000/-.
The applicant should be willing to pursue one of the
income-generating activities
given in the scheme guidelines.
The applicant must have a proper workplace, for starting the proposed activity, either owned or rented.
The applicant should not have been declared a defaulter under any of the schemes being implemented by DSFDC.
Application Process
Apply Offline
Step 1: The interested applicant should take print of the
prescribed format
of the application form.
Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph, and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents, to the Branch In-Charge / Section In-Charge of the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation, Government of NCT of Delhi.
Step 4: Request a receipt or acknowledgement.
Official Source: View on myScheme.gov.in
Benefits
Maximum Permissible Loan Amount
For the SC category, the need-based loan is up to ₹3,00,000/-.
For OBC, Minority and PwD categories, the need-based loan amount is up to ₹1,00,000/-.
Application Process
Apply Offline
Step 1: The interested applicant should take print of the prescribed format
of the application form.
Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph, and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents, to the Branch In-Charge / Section In-Charge of the Delhi SC/ST/OBC/Minorities/Handicapped Financial & Development Corporation, Government of NCT of Delhi.
Step 4: Request a receipt or acknowledgement.
References & Official Links
Scheme Details
| Full Name | Composite Loan Scheme |
| Short Title | CLS |
| Level | State |
| Scheme For | Individual |
| Categories | Business & Entrepreneurship |
| States | Delhi |
| Gender | All |
| Caste/Category | SC, ST, OBC, Minority, PwD |
| Area | Both |
| Income Limit | ₹120,000/year |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar · 📅 22 May 2026
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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