TN TAHDCO SC/ST Loan — Quick Overview
| Scheme Name | Tamil Nadu TAHDCO SC/ST Housing & Enterprise Loan 2026 — ₹10L at 4% for Adi Dravidar Families |
| State | Tamil Nadu (तमिल नाडु) |
| Launched By | Government of Tamil Nadu |
| Launch Year | 1974 |
| Benefit | 4% loans: housing ₹3L + self-employment ₹10L + education ₹10L + SHG ₹3L for TN SC/ST |
| Category | Finance |
| Beneficiaries | 3 lakh+ SC/ST families annually in Tamil Nadu |
| Last Verified | 23 May 2026 |
| Official Portal | https://tahdco.tn.gov.in |
What is TN TAHDCO SC/ST Loan?
Tamil Nadu Adi Dravidar Housing and Development Corporation (TAHDCO) provides low-interest loans and subsidies to Scheduled Caste (Adi Dravidar) and Scheduled Tribe (Tribal) families in Tamil Nadu for housing, self-employment, and education. Key loans: (1) Housing Loan — ₹1-3 lakh at 4% for new construction/repair with 25% subsidy component; (2) Self-Employment Loan — ₹50,000-₹10 lakh at 4% for micro-enterprise; (3) Education Loan — professional courses ₹2-₹10 lakh at 4%; (4) Women's Self-Help Group Loans — ₹50,000-₹3 lakh at 4%; (5) NSFDC national-level loans up to ₹20 lakh for viable projects. 3 lakh+ SC/ST families benefited annually. Apply at TAHDCO district offices or tahdco.tn.gov.in.
Under this scheme, eligible beneficiaries receive 4% loans: housing ₹3L + self-employment ₹10L + education ₹10L + SHG ₹3L for TN SC/ST. The scheme was launched in 1974 and is implemented by the Government of Tamil Nadu.
Tamil Nadu Adi Dravidar Housing & Development Corporation (TAHDCO) — SC/ST परिवारों को 4% ब्याज पर। Housing ₹3 लाख + 25% subsidy, Self-employment ₹10 लाख, Education loan ₹10 लाख, SHG ₹3 लाख। NSFDC linkage ₹20 लाख तक। 3 लाख+ SC/ST families annually।
4% ब्याज ऋण: housing ₹3 लाख + enterprise ₹10 लाख + education ₹10 लाख — TN SC/ST परिवार
Benefits of TN TAHDCO SC/ST Loan
✅ 4% loans: housing ₹3L + self-employment ₹10L + education ₹10L + SHG ₹3L for TN SC/ST
4% ब्याज ऋण: housing ₹3 लाख + enterprise ₹10 लाख + education ₹10 लाख — TN SC/ST परिवार
Who is Eligible for TN TAHDCO SC/ST Loan?
- ✓ Tamil Nadu resident belonging to Scheduled Caste (Adi Dravidar) or Scheduled Tribe (Tribal) category
- ✓ Valid SC/ST caste certificate from Tamil Nadu Revenue Department
- ✓ Annual family income below ₹3 lakh (Housing/Self-Employment), ₹5 lakh (NSFDC higher loans)
- ✓ Not a loan defaulter with any bank or financial institution
- ✓ Age 18-55 years for enterprise/housing loans
- ✓ Aadhaar-linked bank account
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Documents Required for TN TAHDCO SC/ST Loan
How to Apply for TN TAHDCO SC/ST Loan Online?
- 1tahdco.tn.gov.in पर जाएं या अपने जिले के TAHDCO District Office में जाएं
- 2Relevant loan scheme select करें: Housing / Self-Employment / Education / SHG
- 3SC/ST caste certificate, income certificate, Aadhaar, bank passbook attach करें
- 4Self-employment के लिए: Project Report जमा करें — TAHDCO field officer appraisal करेगा
- 5District Committee approval 30-60 days; loan disbursed directly to bank/institution
Official Government Portal — Tamil Nadu
Apply directly on the official Tamil Nadu government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply at TAHDCO district office or tahdco.tn.gov.inFrequently Asked Questions — TN TAHDCO SC/ST Loan
Common Questions About Tamil Nadu Government Schemes
கலைஞர் மகளிர் உரிமைத் தொகை யாருக்கு கிடைக்கும்?+
தமிழ்நாட்டில் வசிக்கும் பெண் குடும்பத் தலைவிகளுக்கு, குடும்ப ஆண்டு வருமானம் ₹2.5 லட்சத்துக்கும் குறைவாக இருந்தால் கிடைக்கும். அரசு ஊழியர் மற்றும் வருமான வரி கட்டுபவர்களுக்கு இல்லை.
Kalaignar Magalir Urimai Thogai status check எப்படி செய்வது?+
tn.gov.in அல்லது நேர்மையான சேவை மையம் (e-Sevai) மூலம் விண்ணப்ப நிலையை சரிபார்க்கலாம். ரேஷன் கார்டு எண் மற்றும் ஆதார் எண் தேவை.
Can girls in government-aided schools apply for Pudhumai Penn?+
No. Pudhumai Penn is exclusively for girls studying in Tamil Nadu government schools managed by the School Education Department. Girls in government-aided schools, private schools, or corporation schools are NOT eligible.
புதுமை பெண் திட்டத்தில் bank account எப்படி திறப்பது?+
மாணவியின் பெயரில் nationalised bank (State Bank of India, Indian Bank, Canara Bank, etc.) -ல் savings account திறக்கவும். Aadhaar card கட்டாயம் link செய்ய வேண்டும். பள்ளியே முகாம் ஏற்பாடு செய்யும். Aadhaar-linked account இல்லாமல் benefit கிடைக்காது.
முதல்வர் காலை உணவு திட்டம் எந்த வகுப்பிற்கு கிடைக்கும்?+
தமிழ்நாடு அரசு தொடக்கப் பள்ளிகளில் வகுப்பு 1 முதல் 5 வரை படிக்கும் அனைத்து மாணவர்களுக்கும் ஒவ்வொரு பள்ளி நாளிலும் இலவச காலை உணவு வழங்கப்படுகிறது.
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