SC/ST Loan Processing Fee Refund
National SC-ST Hub · Central government
SC/ST MSEs receive 80% of bank loan processing fees back, capped at Rs. 1,00,000 per financial year.
Open, rolling. Applications are accepted continuously — there is no deadline.
Key facts
- Subsidy amount
- Up to ₹1,00,000
- Instrument
- Subsidy
- Deadline
- Rolling
- Disbursement
- Reimbursed after spend
About this scheme
An SC/ST-owned micro or small enterprise can recover the processing fee it pays on a business loan through the competitiveness interventions of the National SC-ST Hub.
The support covers 80% of the processing fee, capped at Rs. 1,00,000, whichever is lower. GST and other applicable taxes are excluded from this amount. Claims are made once per financial year, and only once the business loan has been availed.
Business loans from Scheduled Commercial Banks, NBFCs and State Finance Corporations are all eligible.
Who can apply
- Eligible business forms
- Not specified
- Udyam registration
- Not specified
- MSME registration
- Required
- DPIIT startup recognition
- Not required
- GST registration
- Not specified
- Where the business may be based
- Not restricted
- Micro and Small Enterprises owned by SC/ST entrepreneurs - A business loan must have been availed during the financial year for which the claim is made - The loan must be from a Scheduled Commercial Bank, an NBFC or a State Finance Corporation - The claim covers processing fees actually paid to, or charged by, the lender
How to apply
1. Submit your application via the National SC-ST Hub scheme portal, available at https://www.scsthub.in/nssh-schemes/ 2. Have your SC/ST certificate and Udyam registration on hand before you begin. 3. Upload the loan sanction letter together with evidence that the loan was disbursed. 4. Upload the receipt or statement issued by the lender that records the processing fee levied.
Frequently asked questions
How much can I claim?
The scheme covers 80% of the processing fee, subject to a maximum of Rs. 1,00,000, whichever is lower, and this does not include GST or any other applicable taxes.
Does the GST on the fee get reimbursed too?
No. Claims cannot include GST or any other applicable taxes.
Can I claim before the loan is disbursed?
No. A claim is only permitted once the business loan has been taken in that financial year.
Are NBFC loans covered?
Yes. Loans from Scheduled Commercial Banks, NBFCs and State Finance Corporations all qualify.
How often can I claim?
Each financial year has a cap on the assistance available.
Sectors
- Scst
- Msme
- Reimbursement
- Loanprocessingfee
- Workingcapital
- Nationalscsthub
Details last verified on 18 September 2026. Source: the issuer's published information.