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Social welfare & Empowerment

Vanchit Ikai Samooh Aur Vargon Ko Aarthik Sahayata Yojana

The VISVAS (Vanchit Ikai Samooh aur Vargon ko Aarthik Sahayata) Scheme aims to provide interest subvention to OBC/SC Self Help Groups (SHGs) or individuals. It is being implemented by the Ministry of Social Justice and Empowerment.

Authority

Central

Region

None

Status

Verified 2026

Updated

March 2026

What you get

Who can apply

Members of Backward Classes, as notified by Central Government/State Governments; All OBC Antyodaya Anna Yojana (AAY) cardholders, and OBC individuals facing three or more Deprivations in terms of SECC-2011, as per records available at the relevant BDO Office shall be eligible for Interest Subvention; All OBC beneficiaries involved in Agricultural activities and getting coverage under the PM KISAN; SHGs must be registered with NRLM/NULM/NABARD with more than two years of credit history; NSFDC recognized Self-Help Groups (SHGs) registered with NRLM/NULM and NABARD; The definition of Scheduled Castes includes all castes notified in the State and/or Central Government lists of SCs; Valid Annual Income Certificate issued by the competent authority of the State Government; AAY cardholders, and other individuals facing three or more Deprivations in terms of SECC-2011; All beneficiaries involved in Agricultural activities and getting coverage under the PM KISAN

Required Paperwork

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

Common Questions

Q 1. Are SHGs That Are Availing Subsidy Under Any Other Scheme Eligible Under This Scheme?

Ans. No, the Self Help Groups availing interest subvention under this scheme are not eligible for interest subversion under any other scheme.

Q 2. Are All SHGs Eligible For Interest Subvention Under VISVAS Scheme?

Ans. Only SHGs with 100% SC/OBC members with Standard Accounts are eligible to benefit under this interest subvention scheme.

Q 3. What Are The Key Features Under The VISVAS Scheme?

Ans. All SC/OBC individuals and Self Help Groups with annual family income up to Rs. 3.00 Lakh will be eligible for interest subvention @ 5% on loans up to Rs lakhs.

Q 4. What Does VISVAS In The Scheme Stand For?

Ans. VISVAS in the scheme name stands for Vanchit Ikai Samooh aur Vargon ko Aarthik Sahayata.

What is the Maximum Loan Limit for SHGs?

The Maximum loan limit for SHGs is [?] 4,00,000

What Is The Maximum Loan Limit For individual?

The Maximum Loan Limit For an Individual Is [?] 2,00,000

What is the Maximum Subvention Amount for this scheme?

The Maximum Subvention Amount For This Scheme is @5% P.A.

What shall be the Mode Of Payment Of the Subvention?

The Mode of payment of the Subvention shall be Through Direct Transfer of Subvention Amount into operating account of SHG or Individual.