Overview
In India, various central and state government schemes offer financial support up to ₹25 lakh in the form of loans and subsidies to help specific categories of citizens purchase agricultural or residential land. These schemes are aimed at empowering farmers, Scheduled Castes (SCs), Scheduled Tribes (STs), Other Backward Classes (OBCs), landless laborers, women, and other underprivileged communities.
Purpose of the Scheme
- Promote land ownership among marginalized groups.
- Ensure economic upliftment of landless and small/marginal farmers.
- Encourage self-employment and agriculture-based livelihoods.
- Support housing and land development for the poor.
Key Schemes That Provide Subsidy & Loan for Land Purchase
1. NABARD Land Purchase Scheme (Now implemented through State Governments)
- Target Group: Landless agricultural laborers, especially SC/ST categories.
- Loan Amount: Up to ₹25 lakh (depending on state policies).
- Subsidy: Up to 50% for SC/ST applicants.
- Repayment Period: 7–15 years with a moratorium of 1–2 years.
- Interest: Low interest (can be 3% to 6% depending on beneficiary category).
- Objective: Enable landless farmers to own agricultural land.
2. Dr. B.R. Ambedkar SC Land Purchase Scheme (State-Specific)
- Available in: Karnataka, Maharashtra, Andhra Pradesh, Telangana, Tamil Nadu, and others.
- Eligibility: SC families without agricultural land or with less than 1 acre.
- Loan & Subsidy Combo:
- Loan: Up to ₹15–20 lakh
- Subsidy: ₹5–10 lakh (Non-repayable grant)
- Condition: Land must be used for agricultural purposes.
3. State SC/ST/OBC Welfare Corporations’ Land Purchase Loans
- Applicable States: Karnataka, Kerala, Tamil Nadu, Bihar, etc.
- Eligibility: SC/ST/OBCs, BPL cardholders, landless families.
- Loan Limit: ₹10 lakh to ₹25 lakh
- Subsidy: 30% to 50% of the cost (varies by state and caste category).
- Repayment: EMI-based over 10–20 years.
4. PMAY-G (for House + Land)
- For rural areas, if a landless family applies for PMAY-Gramin, some states allot land along with housing.
- Subsidy: Up to ₹1.3 lakh for house + land component under convergence programs.
- Eligibility: Must be on the SECC 2011 list or declared homeless.
Eligibility Criteria (General)
- Must be a citizen of India.
- Should belong to a target group (SC/ST/OBC/landless/women/farmers/BPL).
- Annual family income usually must be below ₹3 lakh (varies by state).
- Should not own land already (or own very little).
- The land must be used for agricultural or residential purpose.
- Must be a resident of the respective state applying in.
Documents Required
- Aadhar Card
- Income Certificate
- Caste Certificate
- Residence Proof
- BPL Card (if applicable)
- Land Ownership Declaration (No land or very little land)
- Affidavit (for land use declaration)
- Land Sale Agreement (after selection)
- Bank account details
- Passport-size photographs
Application Process
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Offline Method:
- Visit the District SC/ST/OBC Welfare Office or District Collectorate.
- Collect and fill out the application form for the land purchase scheme.
- Attach the necessary documents.
- Submit it to the Taluk Office or SC/ST Corporation in your district.
- Authorities will verify your documents and conduct a field visit.
- Once approved, subsidy and loan are sanctioned, and land registration can proceed.
Online (Available in Some States):
- Visit your state’s SC/ST/OBC Welfare Department website.
- Register and fill out the online application form.
- Upload documents.
- Track application status online.
Examples:
- Karnataka SC/ST Development Corporation – land scheme portal
- Maharashtra Mahajyoti Portal
- AP SC Cooperative Finance Corporation
Example Scenario
A landless Dalit woman farmer in Karnataka applies under the Dr. B.R. Ambedkar Development Corporation:
- Land Cost: ₹8 lakh
- Subsidy Provided: ₹5 lakh
- Loan Sanctioned: ₹3 lakh (to be repaid over 10 years)
- Total Support: ₹8 lakh
Conditions & Guidelines
- Land should not be used for resale within 10 years.
- The land must be cultivated or used for residence (as applicable).
- Must submit proof of land use every year in some schemes.
- Women-headed households and widows often get preference.
Important Points
- Land should not be in dispute.
- Stamp duty in some cases is exempted or reduced.
- Subsidy is non-refundable; the loan is repayable in EMIs.
- Some schemes also cover land development costs.
Whom to Contact?
- District SC/ST/OBC Welfare Officer
- State SC/ST/OBC Development Corporations
- Local Taluk Office or Panchayat
- NABARD Regional Office
- Banks participating in government schemes (e.g., SBI, Canara, Bank of Baroda)
Need Help Applying?
If you tell me:
- Your state
- Your caste/category
- Whether you want agricultural or residential land
I can give you exact scheme names, official links, and a step-by-step guide for your region.
