Eligibility Criteria for getting Loan     The person should belong either to one of the Backward Classes notified by Punjab Govt. having annual family income less than Rs. 54500/- in urban areas and Rs. 39500/- in rural areas. Or.   Minorities (Sikhs, Muslims, Charistians, Buddhists, Parsis)  and having annual family income less than Rs. 54500/- in urban areas and Rs. 39500/- in rural areas.       Age should be between 18 to 55 years .       If a person wants to avail loan for a scheme which involves Activity of  Technical Nature then he should be at least matriculate. But in case the loan is to be used for schemes which do not require technical knowledge i.e. Hereditary and Non-Technical Nature Activities then the condition of educational qualification is not required.   Introduction  |  Organisation  |  Functions & Governance  |  Achievements  |  Notified Backward Classes List  |  Minority List  |  Contact us  |  Our Responsible Authorities How to get loan  |  Eligibility Criteria  |  Schemes for Loan   |   Screening Committee  |  Loan Application Form - I  |  Loan Application Form - II   How to get  'No Due Certificate  |  List of Beneficiaries under National Backward Classes Finance and Development Corporation  |  List of Beneficiaries under National Minorities Development and Finance Corporation  |  Know your Current Dues (Under Construction)|  Training & Lending Programmes of Backfinco