NATIONAL MINORITIES DEVELOPMENT & FINANCE CORPORATION

Beneficiary Verification and Socio Economic Impact Study of NMDFC

Schemes
1-Individual Beneficiary Schedule
State District Block

1 Identification Particulars
1.1 Serial No.
1.2 ID / Loan A/c No.
1.3 Name of the Beneficiary
1.4 Father’s name
1.5 Address:
1.6 Area: 1-Urban 2-Rural

2 Profile of the Beneficiary

2.1 Age of beneficiary: Years
2.2 Sex: 1-Male 2-Female
2.3 Education: 1 - Illiterate, 2 – Up to Primary, 3 – Middle school, 4 – Matriculate and
above, 5 – Technically qualified
2.4 Religion:1 – Muslim, 2 – Christian, 3 – Sikh, 4-Jain, 5-Parsi, 6-
Budhist,
7-Others (specify)………………………………
2.5 Marital Status Married-1 Unmarried-2 Widow-3 Separated/Divorced-4
Other-5
2.6 Type of family: 1 - Nuclear, 2 – Joint, 3 - Extended
2.7 Family size: 1 – One, 2-Two, 3 – Three, 4 – Four, 5 – Five, 6- Six, 7-
More than 6
2.8 Number of Dependents in the Family: 1 – Two, 2 – Three, 3 – Four, 4 – Five, 5- Six,
6- More than 6
2.9 Physically Challenged:1 – Yes 2 – No
2.10 Member of BPL family1 – Yes 2 – No
Having 1. Own House 2. Rented House
2.11 AADHAR No (If any):-
2.12 Type of House 1 - Kutcha, 2 – Semi-Pucca, 3 – Pucca,
2.13 Average monthly income before taking the loan Rs.
2.14 Average monthly income at present (Net Income) Rs.
2.15 Whether you can save anything from your earning? Yes-1 No-2
3 Activity Particulars
3.1 Activity pursued before availing the loan?
1-Unemployed, 2 - Casual employment, 3-Self-employed for same activity
4 - Self-employed for different activity 5-Unpaid worker in family work,
6 - Any other……………………….
3.2 Name of the sector for which you have taken the loan?
1- Agricultural & allied, 2 – Small business………………………………
3 – Technical, 4- Transport, 5 - Service sector 6 – Any other ……………..
3.3 What is your present activity?
1 - Same for which taken the loan 2 - Different for which taken the loan
3.4 If changed, What were the reasons for changing the activity?

3.5 Did you undergo any skill development training? 1 - Yes, 2 - No,
3 - Not Applicable
3.6 Did you have any skill (traditional/other) before being a beneficiary? 1 – Yes,
2 – No
3.7 What difficulties are you facing in running your activity?
1. Difficulty in getting Raw Material 3. Under financing of project

2. Lack of Marketing 4. Any other

4 Loan Details
4.1 What are the sources of information about the NMDFC scheme?
1 – Government official, 2 – Relative/friend, 3 – NGO, 4 – Awareness
camp, 5 – Newspaper, 6 - TV 7 – Others…………………………………
4.2 Where did you submit the application form?
1 – Gram Panchayat, 2 – NGO, 3 – Head office of SCA, 4 – District office of
SCA, 5 – Field officer of SCA 6 – Any other
4.3 Have you received the entire sanctioned loan amount from the SCA under NMDFC
Scheme?
1 – Yes, 2 – No
4.4 What kind of financial assistance have you received?
1- Term Loan, 2-Education loan
4.5 A. If it is a term loan, Project Cost : Rs
B. How have you received loan amount?

1 - Cheque 2 - Cash 3 - Direct Transfer in Bank Account

Bank Name Account No

 4.6 Do you possess a loan book/pass book? 1 – Yes, 2 – No
4.7 In how many installments you have received the loan? 1 – One, 2 – Two,
3 – More than two
4.8 Amount of loan sanctioned: Rs.
4.9 Total amount of loan received: Rs.
4.10 Beneficiary Contribution Rs.
4.11 Did you find any difficulty in getting the loan? 1 – Yes, 2 – No
4.12 If ‘Yes’ explain the type of difficulty (Use Tick Marks)
Difficulty To a large extent To some Not at
extent all
Indifferent attitude of Officials
Repeated Visits
Demand for bribe
Difficulty in providing security of
loan
Difficulty in providing required
documents
Others (Specify)
4.13 Please indicate the duration between (In Months)
Submission of application and sanction of loan
Sanction and disbursement of first installment/loan
4.14 For what purpose did you take the loan?
1 – Starting a new business, 2 – Expanding an existing business,
3 – Higher education, 4 – Any other…
4.15 Did you feel the need for additional credit, after receiving the loan under NMDFC
Scheme?
1 – Yes, 2 – No
4.16 If ‘Yes’, how did you manage the additional credit?
1 – Loan taken from money lender 2 – Loan taken from friend/relative
3 – Did not take additional loan 4- Other………………………….
4.17 How much is your loan repayment installment? Rs.

4.18 What is the loan repayment period allotted to you? Years

4.19 What is the rate of interest for your loan? %

4.20 What is the frequency of your loan repayment?

1 – Monthly, 2 - Quarterly, 3 – Half yearly, 4 – Yearly, 5–
Any other…
4.21 Have you started repaying the loan amount? 1 – Yes, 2
– No
4.22 If ‘Yes’, give the status of loan repayment.
a) No. of installments paid
b) No. of installments due
4.23 What is your mode of repayment of loan? 1 – Cash, 2 – Cheque, 3 - Draft,
4 – RTGS
4.24 Where do you repay your loan installment? 1 – Bank, 2 – Head office of SCA,
3 - District office of SCA, 4 –Field office of SCA, 5 – Recovery agent,
6 – Other…………
4.25 Are you a defaulter in repaying the loan? 1 – Yes, 2 – No

4.26 If yes, What is the reason for being the defaulter?

4.27 What action has been taken by the SCA for recovery of your loan?
1 – No action taken 2 – Action taken……………

5 Education Loan Details

5.1 Name of the course for which you have taken the loan?
5.2 Course duration: (Semester/Annual) Semester/Years
Currently studying in which semester/year
How much percentage obtained in last semester/year?
Have you received repayment schedule?
5.3 Name of the institute:
5.4 Type of institute: 1 – Government, 2 – Semi-government, 3 – Private,
4- Any other
5.5 Year of admission: Year
5.6 What is the total fee of the course: Rs.
5.7 What is the status of the course? 1 – Completed, 2 – Not
completed
5.8 Please indicate the type of job you are doing now.
Government Job-1 Private Job-2 Self-employed-3 Not
employed-4
5.9 If gainfully employed, what is your monthly income? Rs.
5.10 Whom the loan amount was given by the SCA?
1 – Beneficiary, 2 – Institute
Mode of disbursement of Loan?
1 Cash, 2 Cheque, 3 RTGS

6 Present Operational Status of the Unit

6.1 Weather the unit is in operation? 1. Yes 2. No
6.2 Whether the beneficiary has utilized the assistance for the intended purpose?
1 – Yes, 2 – No
6.3 Details of assets created / utilized the loan for the intended purpose.(Multiple Answers - Use
Tick Marks)
Working capital
Raw material
Machinery
Tools & Equipment
Furnitures & fixtures
Others (specify)
6.4 If the unit is closed, What are the reasons for sickness of the unit?

Selection of wrong Project

Working Capital Problem
Competition from others
Non – Recovery of credits given in business
Health Problems
Funds utilised for other purpose
Others (If any)
7 Impact of the Financial assistance under NMDFC Scheme
7.1 Has NMDFC Scheme helped in any of the following? (Multiple answers – Use
Tick Marks)
Benefits To a large To some Not at all
extent extent
A greater desire for self-
employment
Increase in income
Increase in savings
Better health
Better educational facilities
Improved social prestige
Others (Specify)
7.2 What in your opinion are the shortfalls of NMDFC Scheme? (Use Tick Marks)
Particulars Yes No Don’t
Know
Activity being chosen by others
Procedural delays in getting the benefit
Loan amount insufficient
Inadequate training
Lack of support and interventions from
the officials
Others (Specify)

Name & Signature of Beneficiary Name & Signature of the Investigator

Date: