MPBCDC Maharashtra Govt. higher education loans for SC students and Safai Karmacharis families

Are you searching for government education loans for higher educational studies for Schedule Caste students? Are you looking for an education loan for the children of Safai Karmacharis in Maharashtra? This article provides complete information about two unique loan schemes that are offered by the Maharashtra Govt. through the Mahatma Phule Backward Class Development Corporation Ltd. (MPBCDC). Details about the loan amount, eligibility requirements, and the application procedure have been provided.

Mahatma Phule Backward Class Development Corporation Ltd. (MPBCDC), which is under the aegis of the Social Justice & Special Assistance Department, Govt. of Maharashtra offers loans for higher education for students of Scheduled Castes and families of Safai Karmacharis in Maharashtra State to avail of loan funds from the corporation of the Central Govt.

An important advisory- Applicants should check the official websites for the specific loan amount that is offered under the two schemes mentioned here in this article, as this may be amended from time to time by the Govt.


Mahatma Phule Backward Class Development Corporation Ltd. (MPBCDC) gives financial and other types of assistance to people of the backward class communities and to those who are below the poverty line. The guidance and support are done both independently as well as in collaboration with the Govt. in the role of a State Channelising Agency (SCA) through medical, educational, agricultural, and other schemes and programs.

Applications are now open for the NSFDC Education Scheme and the NSKFDC Education Scheme for the current year. The first is funded by the National Scheduled Caste Finance & Development Corporation, New Delhi, and the second by the National Safai Karmachari Finance & Development Corporation, New Delhi which is under the aegis of the Ministry of Social Justice & Empowerment.

NSFDC Education Scheme

This is a job-oriented Education Loan Scheme (ELS) for Scheduled Caste students from families whose income is below the poverty line to pursue a full-time professional or technical course in a recognized educational institution.

Which course: The course enrolled for should be one that is considered by the competent authority/Govt. to be a professional/technical course. It can be a management course, an information technology course, engineering courses, a medical-related course, an architecture courses, a computer science course, etc. The loan is also offered for professional courses like Chartered Accountancy, an AMIE course, etc., and for Diploma courses, such as lab technician, midwifery, hotel management, biotechnology, etc.

What is offered: NSFDC provides a loan up to Rs. 10,00, 000/- for studies in India, and a limit of Rs. 20,00,000/- for studies abroad or 90% of the expenses of the course, whichever is less. The applicant has to bear the remaining 10%. In both cases (studying in India/abroad), the rate of interest is the same, namely, 4% for male applicants, and 3.5% for women.

The loan will cover expenses towards the course tuition fee, admission fee, stationery, study books required for the course, hostel fee, exam fee, required equipment, etc. In the case of a course abroad, it will cover the passage money, including expenses for the Visa.

What is expected: The loan should be repaid within five years. Additionally, you are required to try and get a job within six months of completing the course. Once you get the job, you will need to furnish complete details of the job that you have taken up, including the income that you are getting from it.

Who can apply: You must be a resident of Maharashtra, at least 18 years old, and a member of Scheduled Caste, Budud, and Khatik communities.

Documents to be submitted:
  1. The caste certificate from the competent Authority.

  2. The income certificate from the competent Authority [Urban – Rs. 1.20 lakhs; Rural- Rs. 98,000/-].

  3. Two passport-size photos.

  4. Proof of residence document- this can be the ration card or voter ID card or PAN card or Aadhar Card or electric bill, etc.

  5. Required documents related to education, such as bonafide certificate, etc.

NSKFDC Education Scheme

This is a job-oriented loan scheme for Safai Karmacharis, including waste pickers and their dependents. While NSFDC's contribution is 90%, that of the applicant is 10%.

What is offered: For domestic higher education, there is a limit of Rs. 20,000/-, and for higher education abroad there is a limit of Rs. 30,000/-. In both cases, the rate of interest is the same, namely, 4% for male applicants, and 3.5% for women.

Note- The interest on an education loan for studies in India is reimbursable under the scheme of the Ministry of Education, Govt. of India to the beneficiaries whose family's annual income is up to Rs.4.50 lac per annum.

What is expected: The loan should be repaid within five years. Additionally, you are required to try and get a job within six months of completing the course. Once you get the job, you will need to furnish complete details of the job that you have taken up, including the income that you are getting from it.

Who can apply: The person for whom the loan is being applied (the beneficiary) should be from a Scavenger/Safai Karmachari family. For this loan scheme, caste is not a criterion, and the registration should be done on the NBR portal (see the how to apply section later in this article) as a Safai Karmachari.

Documents to be submitted:
  1. A valid Safai Kamgar Certificate/Dakhala.

  2. Proof of residence, such as the voter ID card, ration card, PAN Card, Aadhaar card, the electric bill, etc.

  3. Relevant bonafide certificates and educational documents.

Note- No income limit is fixed for availing of financial assistance under this scheme.

How to apply

Interested applicants should register on the Navyug Beneficiary Registration (NBR) portal- to apply for any of the loans.

For any problems in submitting the online application for any of the schemes, you can send an email to

For any query or assistance regarding registration on the NBR portal contact Ph. +918591922605.

2023 Key Dates
The process for Registration and Applications opens on 1st March 2023.
The last date to submit applications is 31st March 2023.

Contact information

1. Mahatma Phule Backward Class Devp. Corp. Ltd.-
N-1, Juhu Supreme Shopping Center,
Gulmohar Cross Road No. 9,
J.V.P.D. Scheme Juhu,
Mumbai - 400049.
Ph: 022-26200351, 26202852 /Fax No. 022-26705173
E-mail: ,

2. National Safai Karamcharis Finance & Development Corporation-
3rd Floor, E-Block, NSIC, Okhla Industrial Estate- III,
New Delhi-110020.
Ph: +011-26382476, 26382477,26382478 / Fax- 011-26382479

3. National Scheduled Castes Finance and Development Corporation-
14th floor, Scope Minar, Core '1' & '2' , North Tower,
Laxmi Nagar District Centre, Laxmi Nagar,
Delhi -110092
Ph: 91-11-22054391-92/ 94-96 /Fax: 91-11-22054395/ 49

Article by Vandana
Vandana is based in India with over 15 years experience as a freelance writer. Writing, no doubt, is her primary passion! Having learned the art of blogging from ISC, Vandana is enjoying the thrills of blogging, taking pleasure in sharing information & getting good pageviews at her various blogs.

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