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SIDCO Portal for
Credit-Linked
Government Schemes

One-stop digital portal linking Government Schemes.
Check your eligibility,apply online and get digital approval.

You are looking for

Select loan category and check your eligibility for multiple schemes at once

New!
Main Loan Schemes

National Scheduled Tribe Finance and Dev. Corporation (NSTFDC) New Delhi (for Scheduled Tribe)

  • Eligibility Criteria:

  •  Must be a permanent resident of UT of Ladakh. Age:-18-55 Years.

  • Self Attested Copy of Scheduled Tribe Certificate  

  • Income Certificate from Tehsildar/ Revenue Officer. Below ₹ 3.0 lac Irrespective of Rural/Urban

  • Copy of Ration Card, Aadhar Card,Saving bank passbook copy.

  • No Loan Certificate From Financial Institutions on Prescribed format and Unemployed Certificate form Employment Department.

  • Affidavit showing the above criteria mentioning the Caste/ Sub-Caste.

  • Valid Driving Lisence Incase of Vehicle.

  • (Formats can be downloaded from Important documents under Apply Now)

New!
Main Loan Schemes

National Minorities Dev. & Finance Corporation (NMDFC) New Delhi (For Notified National Minorities)

  • Eligibility Criteria:

  •  Must be a permanent resident of UT of Ladakh. Age:- 18 to 55 years.  

  • Income Certificate from Tehsildar/ Revenue Officer. Below ₹ 3.0 lac for Credit Line-1 and Below ₹ 8.0 lac for Credit Line-2 Irrespective of Urban/Rural.

  • Copy of Ration Card, Aadhar Card,Saving bank passbook copy.

  • No Loan Certificate From Financial Institutions on Prescribed format and Unemployed Certificate form Employment Department.

  • Affidavit showing the above criteria mentioning Religion

  • Valid Driving Lisence Incase of Vehicle.

  • (Formats can be downloaded from Important documents under Apply Now)

New!
Main Loan Schemes

National Divyangjan Finance & Development Corporation ( NDFDC) New Delhi ( for Handicapped )

  • Eligibility Criteria:

  •  Must be a permanent resident of UT of Ladakh. Age:- Above-18 Years , For Mental Retardation:- Above-14 Years. 

  • Disability Certificate of 40% and above by competent authority.

  • No Income Bar.

  • Copy of Ration Card, Aadhar Card, UDID Card,Saving bank passbook copy.

  • No Loan Certificate From Financial Institutions on Prescribed format and Unemployed Certificate form Employment Department.

  • Affidavit showing the above criteria.

  • Valid Driving Lisence Incase of Vehicle.

  • (Formats can be downloaded from Important documents under Apply Now)

New!
Main Loan Schemes

National Safai Karamcharies Finance and Dev. Corporation (NSKFDC) New Delhi (for Safai Karamcharies, Scavengers and their Dependents)

  • Eligibility Criteria:

  •  Must be a permanent resident of UT of Ladakh. Age:- 18 to 55 Years  

  • Self Attested Copy of Safai Karamchari Certificate  

  • No Income Bar

  • Copy of Ration Card, Aadhar Card,Saving bank passbook copy.

  • No Loan Certificate  from Financial Institutions on Prescribed format and Unemployed Certificate form Employment Department.

  • Affidavit showing the above criteria mentioning the Caste/ Sub-Caste.

  • Valid Driving Lisence Incase of Vehicle. 

  • (Formats can be downloaded from Important documents under Apply Now)

New!
Main Loan Schemes

National Backward Classes Finance & Dev. Corporation (NBCFDC) New Delhi (for Backward Classes)

  • Eligibility Criteria:

  •  Must be a permanent resident of UT of Ladakh. Age:- 18 to 55 Years.

  • Self Attested Copy of Safai Karamchari Certificate  

  • Income Certificate from Tehsildar/ Revenue Officer. Below ₹3.0 lac Irrespective of Urban/Rural.

  • Copy of Ration Card, Aadhar Card,Saving bank passbook copy.

  • No Loan Certificate from Financial Institutions on Prescribed format and Unemployed Certificate form Employment Department.

  • Affidavit showing the above criteria mentioning the Caste/ Sub-Caste.

  • Valid Driving Lisence Incase of Vehicle.

  • (Formats can be downloaded from Important documents under Apply Now)

New!
Main Loan Schemes

National Scheduled Castes Finance & Dev. Corp. (NSFDC) New Delhi( For Scheduled Castes)

  • Use your electronic- Negotiable Warehouse Receipts (e-NWR) to apply for secured credit from banks.
  • e-NWRs can be issued only by WDRA registered warehouses.
  • Financing for agricultural commodities against e-NWRs available from Banks / Financial Institutions.
New!
Educational Loan Schemes

National Minority Educational Loan Scheme

  • Use your electronic- Negotiable Warehouse Receipts (e-NWR) to apply for secured credit from banks.
  • e-NWRs can be issued only by WDRA registered warehouses.
  • Financing for agricultural commodities against e-NWRs available from Banks / Financial Institutions.
New!
Educational Loan Schemes

Handicapped Educational Loan Scheme

  • Use your electronic- Negotiable Warehouse Receipts (e-NWR) to apply for secured credit from banks.
  • e-NWRs can be issued only by WDRA registered warehouses.
  • Financing for agricultural commodities against e-NWRs available from Banks / Financial Institutions.

Impact at glance

Follow 4 STEPs before starting the online Application Process:

11503611
Eligible Applications
9867413
Sanctioned
9595127
Disbursed
1242514
Returned By Banks
9867413
Total Disbursed Amount
4520365
Loans Repaid

The Process

Follow 4 STEPs before starting the online Application Process:

About the initiative

Dr. Pawan Kotwal
Chief Secretary(Chairman), UT of Ladakh.
Bhupesh Chaudhary
IAS,Administrative Secretary &
Managing Director of SIDCO

SIDCO Portal is a digital initiative by Sh. Bhupesh Chaudhary, IAS, Managing Director, SIDCO and Administrative Secretary of multiple departments in the UT of Ladakh.

The portal brings together six different Apex Corporations’ schemes on one unified platform. It offers seamless access to Government benefits for eligible citizens and stakeholders.

Our Stakeholders

Applicants
(Beneficiaries)
Lenders and
Financial Institutions
Central / State
Government Ministries
Nodal Agencies

Frequently Asked Questions

Find quick answer to common question. Contact us for further assistance.

The SIDCO portal (https://sidco.ladakh.gov.in/) is the official online platform of the Sindhu Infrastructure Development Corporation, established by the Union Territory of Ladakh. It facilitates the application and management of interest-subsidized loans aimed at promoting entrepreneurship among Minorities, Scheduled Tribes, Backward Classes, and Persons with Disabilities in the Leh and Kargil districts. SIDCO has partnered with national financial institutions like NMDFC, NSTFDC, NBCFDC, and NDFDC to implement these employment generation schemes Ladakh GovernmentLadakh Government.

  1. Visit the Portal: Go to https://sidco.ladakh.gov.in/
  2. Register: Create an account by providing your personal and business details
  3. Fill Application: Complete the online application form with accurate information about your proposed venture
  4. Upload Documents: Submit the required documents in the specified formats
  5. Submit Application: Review and submit your application
  6. Track Status: Use the portal to monitor the status of your application

For assistance, you can also visit the SIDCO offices in Leh and Kargil, Ladakh Government

While specific document requirements may vary based on the scheme, generally, you will need:

  • Identification Proof: Aadhaar card, Voter ID, or PAN card
  • Address Proof: Utility bills or ration card
  • Caste/Community Certificate: For applicants from SC/ST/Minority/Backward Class communities
  • Disability Certificate: If applying under the Persons with Disabilities category
  • Business Plan: Detailed project report outlining the business model, financial projections, and employment potential
  • Bank Details: Bank account information for fund disbursement

It's advisable to check the portal or contact SIDCO offices for a comprehensive list tailored to your specific application.

The schemes are specifically designed for residents of the Union Territory of Ladakh belonging to:

  • Minority Communities
  • Scheduled Tribes
  • Backward Classes
  • Persons with Disabilities

Applicants should be engaged in or planning to start ventures in sectors like:

  • Transport
  • Tourism
  • Agriculture
  • Service Industry
  • Education

The primary aim is to support individuals transitioning from job seekers to job creators.

To check your application status:

  • Log In: Access your account on https://sidco.ladakh.gov.in/
  • Dashboard: Navigate to your user dashboard
  • Application Status: Locate the section displaying the status of your submitted applications

For further inquiries or assistance, you can contact the SIDCO offices in Leh and Kargil.

Know more

Want to know more about the schemes?

Total 15 Central Government Subsidy Schemes are available on SIDCO Portal
View all schemes

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