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Banking,Financial Services and Insurance; Social welfare & Empowerment

Bank Tie-Up Scheme

Through the "Bank Tie-Up Scheme", the Punjab Scheduled Castes Land Development & Finance Corporation (PSCLDFC) arranges loans through banks, and subsidy is provided by PSCLDFC. The permanent residents of Punjab belonging to Scheduled Castes and living Below Poverty Line are eligible.

Authority

State

Region

Punjab

Status

Verified 2026

Updated

March 2026

What you get

Who can apply

The applicant should be a citizen of India.; The applicant should be a domicile / permanent resident of the state of Punjab.; The applicant should be from Below Poverty Line (BPL).; The applicant should be from the Scheduled Caste category.; The annual income of the family of the applicant (from all sources) should be ₹ 67,649/- per annum (for rural areas); ₹ 88,756/- per annum (for urban areas).; The applicant should not already be availing the benefits of the scheme.

Required Paperwork

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

Common Questions

How Do I Know If A Field In The Application Form Is Mandatory?

The mandatory fields have an asterisk (*) mark at the end.

How Much Shall Be The Capital Subsidy? Is There An Upper Ceiling?

Subsidy: Capital Subsidy upto 50% of the total amount subject to a maximum of [?] 10,000/-.

What Would Be The Sources Of Funds?

Sources of Funds: The subsidy is provided by Govt. of India out of SCA.

What Is The Full Form Of SCA?

The full form of SCA is "Special Central Assistance".

By Which Bank Will The Amount Of The Loan Be Provided?

The loan amount is provided by various banks operating in the State.

What Are The Income Criteria For This Scheme?

The annual income of the family of the applicant (from all sources) should be [?] 67,649/- per annum (for rural areas); [?] 88,756/- per annum (for urban areas).

In Which Case Does The Copy Of The Registry Become A Mandatory Document?

The copy of the registry becomes a mandatory document if the property is self-purchased.

How Much Shall Be The Rate Of Interest On The Loan?

The rate of Interest will be charged by the Banks as per RBI guidelines.

Where Can I Find The Link To The Scheme Guidelines?

You can find the Scheme Guidelines at this link - https://pbscfc.punjab.gov.in/?q=node/25

Where Can I Find The Link To The Loan Application Form?

The Loan Application Form can be found at this link - | https://pbscfc.punjab.gov.in/sites/default/files/bank_tieup_scheme_form.pdf | https://pbscfc.punjab.gov.in/sites/default/files/CORPORATION-1-6%20PAGES.PDF

What Is The Full Form Of BPL?

The full form of BPL is "Below Poverty Line".

Is The Residential Certificate / Domicile Certificate Of The State Of Punjab, A Mandatory Document For This Scheme?

Yes, the Residential Certificate / Domicile Certificate of the State of Punjab is a mandatory document for this scheme.

Can I Reapply To This Scheme If I Am Already Availing The Benefits Of This Scheme?

No, you can not reapply to this scheme if you already have availed of its benefits.

Is This A State Funded Or A Centrally Funded Scheme?

This is a 100% State Funded scheme.

Is There Any Application Fee?

No, the entire application process is entirely free of cost.

Is There Any Compensation For The Delay In The Disbursal Of The Scheme Benefits?

No, there is no such mention in the scheme guidelines.