DBCWO
INTRODUCTION
The Government of Tamilnadu is forefront in protecting the interests of Backward Classes, Most Backward Classes, Denotified Communities and Minorities and gives greater emphasis to implement various welfare schemes for their Social, Educational and Economic upliftment.
In Thanjavur District, the District Backward Classes and Minorities Welfare Officer is Implementing various welfare schemes for the Backward Classes, Most Backward Classes, Denotified Communities and Minorities under the direct control of the District Collector.
District Backward Classes and Minorities Welfare Office controlling in 55 Hostels with food and lodging facilities are running near the school and college with the aim of creating an educational environment with all facilities for BC, MBC ,DNC and Minorities students. Thanjavur district has 34 BC hostels, 12 MBC hostels ,8 DNC hostels and 1 Minority hostel are functioning.
ORGANISATION CHART
Priceless Sewing Machine
District Backward and Minority Welfare Office launched a scheme to provide free sewing machine to the most vulnerable and most backward in the society and to improve their economic condition.
Qualifications
1. Age should be between 20 and 45 years.
2. Annual income should be (within Rs.1,00,000).
3. Tailoring Training Certificate.
Required Documents
1. Printed Application Form.
2. Income Certificate.
3. Photo-2.
4. Village Administrative Officer Certificate that no free sewing machine has been received under any government welfare
scheme for 10 years.
5. Community Certificate copy.
6. Tailoring Certificate If these qualifications are available, sewing machines are provided free of cost in order of seniority.
Priceless Ironbox
District Backward and Minority Welfare Office launched a scheme to provide free Ironbox for the welfare of the most vulnerable and most backward in the society and to improve their economy.
Qualifications
1. Annual income should be (within Rs. 1,00,000).
Required Documents
1. Printed Application Form.
2. Income Certificate (within Rs. 1,00,000).
3. Photo-2.
4. Village Administrative Officer Certificate that he has not received free Ironbox under any government welfare scheme for 10 years.
5. Community Certificate.
6. Copy of family card.
Free Ironbox is provided in order of seniority if these qualifications are available.
Backward Classes, Most Backward Classes & Denotified Communities Scholarship Schemes
The Government of Tamil Nadu is implementing Various schemes through this department to the BC, MBC, DNC and Minorities, to progress at pare with other sections of the society in all the social, economic and educational sectors.
In Thanjavur district, under the direct control of the District Collector, welfare assistance is being provided to the BC, MBC & DNC through the District Backward Classes and Minorities Welfare Office.
| SCHEME NAME | ELIGIBLITY |
| BC, MBC & DNC Students studying Postgraduate, Diploma, Professional and Research Courses in Govt./Govt. aided Colleges, in respect of Professional Courses the students admitted under Government quota in self Financing Professional Colleges are also sanctioned | Annual income of the parents should not exceed Rs.2,00,000/- |
| 2.Free Education
i. Degree BC, MBC & DNC students studying in 3 years degree courses in Government and Government Aided Arts and Science Colleges. |
No Conditions. |
| ii. Polytechnic BC, MBC & DNC students studying in 3 years Diploma courses in Government and Government Aided Polytechnics. |
1) Annual income of the parents should not exceed Rs. 2,00,000/- 2) There should not be any graduate in the family. |
| iii. Professional BC, MBC & DNC students studying in Government and Government Aided Professional Colleges and in Self Financing Professional Colleges under Government quota. |
Incentive Scheme for MBC/DNC Rural Girls Students
In order to reduce dropouts among the girl children in rural areas and to encourage them to continue their studies an incentive of Rs.500 per year is given to rural girls students of Most Backward classes and Denotified communities, studying in III to V standard and Rs.1,000 per year is given to girls students studying in VI Standard. The parental income Rs.72,000/- to Rs. 1,00,000/-
Qualifications
1. Annual income limit of parents should be within Rs. 1,00,000/-
2. Preference will be given to female children of destitute widows and those abandoned by their husbands.
3. Should be a female child belonging to MBC / DNC.
Boarding Grants
The Government is providing boarding grants for 10 months in a year to the students of Backward Classes, Most Backward Classes and Denotified Communities staying in the Government recognized private hostels, subject to the condition that their annual parental income does not exceed Rs.2,00,000/-. Annual parental income ceiling has been enhanced form Rs.50,000/- Rs. 1,00,000/-
Hostels
Hostels with food and lodging facilities are running near the school and college with the aim of creating an educational environment with all facilities for BC, MBC ,DNC and Minorities students. Thanjavur district has 34 BC hostels, 12 MBC hostels ,8 DNC hostels and 1 Minority hostel are functioning.
Qualifications
1. 4th Std to 12th Std in case of School Hostels and Diploma, Degree in case of College Hostels. and must be a postgraduate student.
2. Annual income of parents should not exceed Rs.2,00,000/-
3. The residence of the boys student should be more than 8 km from the educational institution (the distance rule does not apply to the girls student).
Distribution of uniforms to hostel students
4 set uniforms are provided free of cost to hostel students from class 4th Std to 10th Std.
Food Charges
Rs.1000/- per month for school hostel students and Rs.1100/- per month for college hostel students.
Distribution of bicycles
11th standard student in Government, Government Aided and Partly Aided Schools. Bicycles are provided to students irrespective of income and caste discrimination.
Only those staying in hostels located in the school campus and boarding school students/students are not eligible to get bicycles.
Distribution of House Site Pattas
Landless Poor BC, MBC and DNC Communities people are distributed house sites.
Qualifications
1. Belonging to BC, MBC & DNC Communities.
2. Annual family income should not exceed Rs.72,000/-
Minority welfare Scholarship for Minorities
| Scheme Name | Standard – Subject | Family Annual Income |
| Pre – Matric | 9th Std to 10th Std | 1 lakh |
| Post – Matric | From class 11th Std to 12th Std | 2 lakh |
| Merit – Cum – Meansbased scholarship | Vocational Education – Technical Education | 2.5 lakh |
| Begum Hazrat Mahal National Scholarship | For girls studying from class 9 th Std to 12th Std | 2 lakh |
General conditions
1. Should have secured 50% marks in the previous year end examination (excluding 1st class).
2. 30% of the total beneficiaries will be allocated to female students.
3. Awarded only to two students per family.
4. The applying student/s should not have received scholarship in any other department.
Distribution of sewing machine to minorities
A scheme to provide priceless sewing machines to the minorities is being implemented for economic development.
Qualifications
1. Belonging to minority caste between 20 years to 45 years.
2. Annual family income should not exceed Rs.1,00,000/-
3. Must have sewing training.
Hostels
A Government Women’s College Hostel is running at Kumbakonam for the accommodation and education of minority college students.
Muslim Women’s Aid Society
1. A Thanjavur District Muslim Women’s Aid Society has been set up under the leadership of the District Collector for the welfare of elderly destitute Muslim women who have been abandoned by their husbands.
2. Assistance and training will be provided as needed to improve livelihoods.
3. Matching grants is provided by the Government up to Rs.20.00 lakhs per annum from 01.04.2012 to each Society in the maximum ratio of 1:2 against the source of donation raised by the Societies.
Christian Women’s Aid Society
1. A Thanjavur District Christian Women’s Aid Society has been set up under the leadership of the District Collector for the welfare of elderly destitute Christian women who have been abandoned by their husbands.
2. Assistance and training will be provided as needed to improve livelihoods.
3. Matching is provided by the Government up to Rs.20.00 lakhs per annum from 01.11.2018 to each Society in the maximum ratio of 1:2 against the source of donation raised by the Societies.
Ulemas and Other Employees Welfare Board
A community of Alims, Besh Imams, Arabic teachers/teachers, Motinars, Bilals and other workers working in mosques and madrasahs, daqas, cemeteries, taiqas, ashaqanas and Muslim orphanages. The Ulama and Other Employees Welfare Board has been constituted to achieve progress in economic and educational levels.
Details of welfare benefits provided to members of Ulama and Other Employees Welfare Board
| s.no | Welfare Scheme Assistance | Details Amount of Assistance (Rs.) |
| 1. | Under Accident Compensation SchemeA. Benefit in case of accidental deathCow. B.In case of disability due to accident, depending on the nature of the disability | 125000 10000 to 100000 |
| 2. | Allowance for natural death | 30000 |
| 3. | Stipend for religious expenses | 2000 |
| 4. | Education Scholarship
A. For a 10th standard girl child B. For 10th passed students C. For 11th standard girl child D. For 12th standard girl child E. For those who have passed 12th standard F. Formal graduationFormal degree program with student accommodation facility G. Formal graduationFormal graduation with student housing facility H. Vocational Education DegreeVocational degree program with student housing facility I. Vocational Education DegreeVocational education with student housing facility J. ITI or Polytechnic courseITI or Polytechnic course with hostel facility |
1000
1000 1000 1500 1500 1500 1750 4000 5000 4000 6000 6000 8000 1000 1200 |
| 5. | Marriage allowance | 2000 |
| 6. | A. 1000 per maternity month(for 6 months)
B. Miscarriage / Miscarriage |
6000
3000 |
| 7. | Reimbursement of cost of spectacles | 500 (Maximum) |
| 8. | Old age pension monthly | 1000 (per month) |
Tamil Nadu Backward Economic Development Corporation
Tamilnadu Backward Classes Economic Development Corporation is providing loan assistance under various loan schemes for the Socio – Economic Development of Backward Classes / Most Backward Classes / Denotified Communities.
Financial Assistance Activities:
1) Small Trade / Business.
2) Agriculture – & Allied Activities.
3) Transport Sector.
4) Handicrafts and Traditional Occupations ( Artisan).
5) Self – employment for young professionals.
Qualifications
i. Beneficiaries should belong to Backward / Most Backward / Denotified Communities as in the State list or Central list.
ii. Annual family income should be less than Rs.3 lakh per annum.
iii Age limit of the beneficiary should be above 18 years and below 60 years.
iv. Only one person in a family will be subsidized.
Mode of Application
Loan applications are available free of cost at the following offices.
1. Head Office of Tamil Nadu Backward Economic Development Corporation, Chennai.
2. Offices of District Backward and Minority Welfare Officers
3. Tabcedco website www.tabcedco.tn.gov.in
4. Joint Registrar of Co-operative Societies.
5. Cooperative Credit Societies / Banks.
Documents to be Produced
Applicants should complete the loan application form and to the concerned District Welfare Office / Zonal Joint Registrar of Co-operative Societies / Co-operative Banks along with copies of the following documents.
i. Community, Income and Nativity Certificate.
ii. Quotation from leading company.
iii. Project Report (forbig Project only).
iv. Ration Card.
v. Driving license (for transport vehicle loans only).
vi. Documents for hypothecation / mortgage as required by the bank.
vii. Aadhaar Card.
Method of Loan sanction
• Loans will be provided through Central Co-operative Banks / Start-up Co-operative Credit Unions / City Co- operative Banks.
• Applications received for loan amount will be examined and recommended by a screening Committee headed by the Joint Registrar of Co-operative Societies regarding the beneficiary’s performance, character and ability to repay the loan.
Security for Loan Amount :
As per lending Bank norms.
Details of Loan Schemes:
1. General Term Loan Scheme:
Under this scheme, loans are provided to individuals for small business/business.
| Maximum loan amount | Rs. 15 lakh |
| Beneficiary’s Share in Total Credit | 5% |
| Annual Rate of Interest: | |
| Rs. 5 lakh upto | 6% |
| Rs. More than 5 lakhs |
7% |
| Rs. More than 10 lakhs |
8% |
| Loan repayment period | 3- 8 years
|
Credit Schemes for Women:
A. Microcredit Scheme for Women (Makla samriti yojana)
• Under this scheme, members of women’s self-help groups individually or in groups
• Loans are given for doing small business. Only maximum 20 members are allowed in a group.
• SHG Bank should be 6 months old.
• Grading should be done by Project Officer (Mahalir Thittam).
| Maximum loan amount per person | Rs. 1 lakh |
| Maximum amount per group | Rs. 15 lakhs |
| Annual interest rate | 4% |
| Loan repayment period | 4 years |
B. New Golden Age Program for Women
This scheme is implemented with the aim of women’s advancement.
| Maximum loan amount | Rs. 2 lakh |
| Annual interest rate | 5% |
| Loan repayment period | 3-8 years |
C. Micro Credit Scheme for Men
Under this scheme credit assistance is provided to men who are members of Self Help Groups. Only maximum 20 members are sanctioned in a group.
| Maximum loan amount per person | Rs. 1 lakh |
| Maximum amount per group | Rs. 15 lakh |
| Beneficiary’s Share in Total Credit |
5% |
| Annual interest rate |
5% |
| Loan repayment period | 4 years
|
D. Milch Animal Scheme
The District Cooperative Milk Producers Union selects members of the milk producers cooperative societies under its control and provides loans at the rate of Rs.30,000/- per cow and Rs.60,000/- for purchase of maximum 2 dairy cows.
| Annual interest rate | 6% |
| Loan repayment period | 3 years |
Subsidy scheme for providing irrigation facilities to small and marginal farmers:
Bank credit through Co-operative Banks / Nationalized Banks / Nationalized Banks to provide irrigation facilities to economically backward, marginalized and small and marginal farmers belonging to the Shirmarabin community and A maximum of 50,000/- per head is provided as 50% government subsidy.
Tamil Nadu Minorities Economic Development Corporation (TMCO)
General information regarding loan assistance schemes operated by TOMCO
1. Candidate should be between 18 years to 60 years.
2. Only one person in a family is eligible for loan.
3. Loan assistance schemes are implemented through District Central Co-operative Banks / City Co-operative Banks / Start-up Co-operative Banks.
4. Apply for loan to start new business or expand existing business
5. The petitioner’s application will be considered as per Co-operative Bank rates and forwarded to the Tamil Nadu Minority Economic Development Corporation office along with the relevant application.
6. Applications are accepted if they are complete and complete and fulfill all the terms and conditions of lending and the loan amounts are sent to the concerned bank. The loan amount will be given to the applicants through the bank.
7. Applicants should use the loan amount only for the business for which they have applied for the loan. However, the loan should not be used for other purposes. If it is found that the applicant has received loan assistance by giving false information, the loan granted will be guaranteed and the loan amount will be collected in full and action will be taken so that he cannot apply for any loan amount through the Tamil Nadu Minority Economic Development Corporation in future.
Loan schemes implemented
| Loan schemes | Place of application |
| Personal Loan Scheme | Respective District Backward and Minority Welfare Officer, District Office/Joint Registrar of Mandal Co-operative Societies/District Central Co-operative Bank or its Branches/ City Co-operative Bank/ Primary Agriculture Co-operative Bank |
| Microcredit Scheme for Self Help Groups | |
| Education loan |
1. Personal Loan Scheme
Under this scheme you can get a loan to start a business or develop an existing business.
| Plan 1 | Plan 2 | ||
| Maximum loan amount | Rs.20,00,000/- | Maximum loan amount | Rs.30,00,000/- |
| Interest Rate (M/F) | 6% (per annum) | Interest rate for male beneficiaries | 8% (per annum) |
| Interest rates for women beneficiaries | 6% (per annum) | ||
| Term of repayment of installments with interest | Maximum 5 years (in 20 quarterly installments) | Term of repayment of installments with interest | Maximum 5 years (in 20 quarterly installments) |
| Family Annuity1) Urban area2) In rural areas | Not exceeding Rs.1,20,000/- Not exceeding Rs.98,000/- | Family Annuity | Not exceeding Rs.6,00,000/- |
5% penalty interest will be charged for non-payment of installments within due time.
Debenture details are as follows
NMDFC Shareholding -90%
TAMCO share -5%
Beneficiary’s share -5%
Period of use
The business should be started within three months of receiving the loan amount.
2. Microcredit Scheme for Self Help Groups
Minority women/men can form self-help groups and run small business/small business individually or jointly to increase their family income by running vegetables, shop, fish shop, fish business, agriculture, multi-purpose shop, handicrafts, small business etc. for their groups.Beneficiary should be a member of Minority Aid Committee. Also, the group should have continued good performance in saving and lending for at least six months. In this group, 60 percent should be minorities. The remaining 40 percent should be reserved for the Backward/Overdeveloped/Seermaras/Adi Dravidas/Tribals/Others. Number of members of Self Help Groups.
1. SHG should have maximum 20 members and minimum 10 members.
2. Micro-loans will be provided to women/men and minority groups. Women will be given priority in these.
|
plan 1 |
plan 2 |
||
| Maximum loan amount | Rs.50,000/- | Maximum loan amount | Rs.1,50,000/- |
| Interest rate | 7% (per annum) | Interest rate for malebeneficiaries | 10% (per annum) |
| Interest rates for women beneficiaries | 8% (per annum) | ||
| Term of repayment of installments with interest | Maximum 3 years (in 36 monthly installments) | Term of repayment of installments with interest | Maximum 3 years (in 36 monthly installments) |
| Family Annuity1) Urban area2) In rural areas | Not exceeding Rs.1,20,000/- Not exceeding Rs.98,000/-Ø | Family Annuity | Not exceeding Rs.6,00,000/- |
5% penalty interest will be charged for non-payment of installments within due time. Debenture details are as follows Currently under consideration of the Government NMDFC Shareholding -90% TAMCO share -5% Beneficiary's share -5% Documents required to apply for the above loan schemes 1. School Transfer Certificate / Caste Certificate. 2. Income certificate. 3. Project Statement. 4. Family Card or Residence Certificate. 5. Documents required by banks. 6. Aadhaar Card.
3. Education loan Minority students/girls who are pursuing Vocational/Employment degree in Government recognized educational institutes are provided educational loan assistance.
Eligible fees
1. Enrollment Fee / Tuition Fee.
2. Books, stationery and study materials.
3. Examination fee.
4. Accommodation and Meals (Only for Hostellers).
|
plan 1 |
plan 2 |
||
| Parent / Guardian Annual Income Limit | Urban – Rs 1,20,000/-Rural – Rs 98,000 | Parent / Guardian Annual Income Limit | Not exceeding Rs.6,00,000/- |
| Vocational/Employment Courses(Maximum 5 years) | 4 lakhs per annum to a maximum of 20 lakhs | Vocational/Employment Courses(Maximum 5 years) | 4 lakhs per annum to a maximum of 20 lakhs |
| Vocational Education / Internships abroad (up to 5 years) | 6 lakh per annum with a maximum of Rs 30 lakh | Vocational Education / Internships abroad (up to 5 years) | 6 lakh per annum with a maximum of Rs 30 lakh |
| Interest rate | 3% per annum | Interest Rate (for Students) | 8% per annum |
| Interest Rate (for Students) | 5 % per annum | ||
Debenture details are as follows
NMDFC Shareholding -90%
TAMCO share -10%
The principal and interest will be charged in 60 monthly installments from the date of completion of the academic term or from the date of commencement of employment whichever is earlier.
Application Documents
1. Aadhaar Card Copy.
2. Copy of caste certificate / school transfer certificate.
3. Copy of Income Certificate.
4. Copy of Residence Certificate.
5. Bonafide certificate copy.
6. Tuition Fees Payment Receipt / Chellan (Original).
7. Copy of Marks Certificate.
8. Other documents required by the bank, in the case of renewal of education loans, the student/students should submit the marks certificate of passing the examinations to the bank without fail every year.