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Business & Entrepreneurship

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.

Authority

State/ UT

Region

Delhi

Status

Verified 2026

Updated

March 2026

What you get

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/-.

Who can apply

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](https://dsfdc.delhi.gov.in/sites/default/files/cls_schem_details.pdf) 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.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

Are guarantors required for loans above ₹2,00,000/-?

Yes, for loans above [?]2,00,000/-, applicants must provide five blank post-dated cheques from a guarantor.

What additional document is needed if the workplace is owned by a relative?

Applicants must provide an affidavit of a No Objection Certificate if the workplace is owned by a relative.

What are the eligibility criteria for Persons with Disabilities applying under the scheme?

Applicants must have a disability of at least 40%, be Delhi residents, and have an annual family income below [?]1,20,000/-.

Is there a residency requirement for applicants under the scheme?

Yes, applicants must be residents of Delhi to be eligible for the scheme.

What is the age range required for applicants to qualify for the scheme?

Applicants must be between 18 and 50 years old to be eligible for the scheme.

What is the maximum annual family income allowed for applicants under the scheme?

The annual family income of the applicant must not exceed [?]1,20,000/- from all sources.

What type of activities must applicants be willing to pursue to qualify for the scheme?

Applicants must be willing to pursue income-generating activities listed in the scheme guidelines.

Is there a requirement for applicants to have a workplace for their proposed activity?

Yes, applicants must have a proper workplace, either owned or rented, to start their proposed activity.

Can applicants who have defaulted on other schemes apply for this scheme?

No, applicants must not have been declared defaulters under any schemes implemented by DSFDC.

What is the maximum loan amount available for applicants from the Scheduled Caste category?

Applicants from the Scheduled Caste category can avail of a need-based loan of up to [?]3,00,000/-.

What is the maximum loan amount for applicants from OBC, Minority, and PwD categories?

Applicants from OBC, Minority, and PwD categories can avail of a need-based loan of up to [?]1,00,000/-.

What documents are accepted as proof of age for applicants?

Accepted documents include a birth certificate, school leaving certificate, or an affidavit as proof of age.