Objective
The Indian government offers financial assistance to help economically weaker sections—including Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), women, and landless farmers—purchase land for agriculture or residential use. The aim is to reduce poverty, improve land ownership, and support self-reliance.
Major Government Schemes Offering Subsidy + Loan
- NABARD Land Purchase Scheme
- Up to ₹25 lakh loan
- 50% subsidy for SC/ST beneficiaries
- 7–15 years repayment with a moratorium of 1–2 years
- Dr. B.R. Ambedkar SC Land Purchase Scheme (State-wise)
- For SC families with no land or very little land
- Up to ₹15–20 lakh loan + ₹5–10 lakh subsidy
- SC/ST/OBC Development Corporation Loans
- Offered by state-specific welfare boards
- 30%–50% subsidy depending on the caste and income level
- PMAY-G (Land + House Purchase for Rural Poor)
- House with land allotment for landless beneficiaries
- Subsidy under convergence with land programs
Eligibility Criteria (General)
- Indian citizen, usually from SC/ST/OBC/BPL/Women categories
- Landless or small/marginal farmer
- Annual income below ₹3 lakh (varies by scheme)
- Land must be for agriculture or residence
- Resident of the state applying in
Documents Required
- Aadhaar Card
- Caste & Income Certificates
- Residence Proof
- BPL Card (if applicable)
- No-land declaration
- Bank passbook
- Sale agreement or land details
Application Process
Offline:
- Apply through District SC/ST/OBC offices, Taluk Office, or Development Corporation
Online:
Related Posts
- Some states provide online portals (e.g., Karnataka, Maharashtra, AP)
- Upload documents and track the status online
Loan & Subsidy Example
- A Dalit woman farmer in Karnataka buys 2 acres for ₹8 lakh:
- ₹5 lakh subsidy (non-refundable)
- ₹3 lakh loan (repayable in 10 years)
Conditions
- Land cannot be sold for 10 years
- Land must be used as declared (agriculture or residence)
- Annual verification in some schemes
- Preference for women, widows, and disabled applicants
Where to Apply / Contact
- SC/ST/OBC Development Corporations in each state
- District Welfare Officers
- NABARD Regional Offices
- Participating banks (SBI, Canara Bank, etc.)
State Examples (Optional in Full Article)
- Karnataka: Dr. B.R. Ambedkar Development Corporation land schemes
- Maharashtra: Mahatma Phule Corporation land support
- Tamil Nadu: TAHDCO land purchase schemes
- Andhra Pradesh: AP SC Finance Corporation
- Bihar, UP, Kerala, Telangana, etc., have similar provisions
Final Notes
- Up to ₹25 lakh support is available through combined subsidy + loan
- The benefit amount and structure vary by state and beneficiary category
- Timely application and proper documentation are essential
