Kerala State Development Corporation for Christian Converts from Scheduled Castes and the Recommended Communities

Kerala State Development Corporation for Christian Converts from Scheduled Castes and the Recommended Communities

Company type	Public Sector Corporation under the Ministry for Welfare of Scheduled Castes, Scheduled Tribes and Backward Classes of the State Government of Kerala
Industry	Public sector undertaking
Founded	1980
Headquarters	Kottayam, Kerala , India
Area served	Kerala
Key people	K. Radhakrishnan (Minister for SC,ST,BC, Parliamentary Affairs & Devaswom Departments, Govt.of Kerala) Jassie Gift (Chairman) Baburaj B (Managing Director)
Products	Loans and Developmental Projects
Website	ksdc.kerala.gov.in.com

Kerala State Development Corporation for Christian Converts and the Recommended Communities (KSDC for CC & RC) is a government organization established in 1980, dedicated to the economic, social, and cultural advancement of individuals who have converted from Scheduled Castes to Christianity and those recommended for inclusion in Scheduled Castes and comes under the Backward Classes Development Department headed by the Minister of welfare of SC/ST, Backward classes and Devasam and parlimentry affairs K. Radhakrishnan . With its headquarters located at Nagampadam in Kottayam, The corporation operates regional offices in Thiruvananthapuram, Kottayam, and Kozhikode, aiming to extend its services to a wider population.

To ensure accessibility to its services, the Corporation has set up Service/Collection Centers in various locations. These centers, operational for two days each month, facilitate loan repayment and application submission for beneficiaries. They are strategically located at Nilambur under the Kozhikode Regional Office, Peerumedu, Muvattupuzha, Ranni, and Kumbanad under the Kottayam Regional Office, and Kottarakkara and Neyyattinkara under the Thiruvananthapuram Regional Office.

In 2023 the corporation has established a sub-office at the Mavelikkara Mini Civil Station in Alappuzha district. This sub-office caters to constituents in Mavelikkara and nearby areas, including Chengannur, Haripad, Pandalam, Kayamkulam, Charummood, Karthikappally,Thiruvalla, Ambalappuzha, Kuttanad, Kozhencherry, Konni, Ranni and Adoor, providing them with easier access to the Corporation's services.

Beneficiaries Of  The Corporation

Christian Converts From Scheduled Castes

1.     Adi Andhra

2.     Adi Dravida

3.     Adi Karnataka

4.     Ajila

5.     Arunthathiyar

6.     Ayyanavar

7.     Baira

8.     Bakuda

9.     Bathada

10.  Bharathar, Paravan

11.  Chakkiliyan

12.  Chamar, Muchi,

13.  Chandala

14.  Cheruman

15.  Domban

16.  Gosangi

17.  Hasla

18.  Holeya

19.  Kadaiyan

20.  Kakkalam, Kakkan

21.  Kalladi

22.  Kanakkan, Padanna, Padannan

23.  Kavara(other than Telugu speaking or Tamil speaking Balija, Kavaraj, Gavara, Gavarai, Gavarai Naidu, Balija Naidu, Gajalu Balija or Valai Chetty)

24.  Koosa

25.  Kootan, Koodan

26.  Kudumban

27.  Kuravan, Sidhanar, Kuravar, Kurava, Sidhana

28.  Maila

29.  Malayan

30.  Mannan, Pathiyan, Perumannan, Vannan, Velan

31.  Mogar (other than Mogeyar)

32.  Mundala

33.  Nalakeyava

34.  Nalkadaya

35.  Nayadi

36.  Pallan

37.  Pulluvan

38.  Pambada

39.  Panan

40.  Paraiyan, Parayan, Sambavar, Sambava Paraya, Paraiya, Parayar

41.  Pulayan, Cheramar, Pulaya, Pulayar, Cherama, Cheraman, Wayanad, Pulayan, Wayanadan Pulayan, Mutha, Matha Pulayan

42.  Puthirai Vannan

43.  Raneyar

44.  Samagara

45.  Samban

46.  Semman, Chemman, Chemmar

47.  Thandan(Excluding Ezhuvas and Thiyyas Who are known as Thandan in Eastwhile Kochin and Malabar areas) and (Carpenter Who are known as Thachan in the Eastwhile Kochin and Travancore State)

48.  Thoti

49.  Vallon

50.  Valluvan

51.  Velan, Vetan

52.  Vettuvan, Pulaya Vettuvan

53.  Nerian

Recommended Communities

1.     Chakkamar

2.     Chemman, Chemmar

3.     Dheevara/Dheevaran (Arayan, Valan, Nulayan, Mukkuvan, Arayavathi, Valanchiyar,Paniyakal, Mokaya, Bovi, Mogayar, Mogaveerar)

4.     Kudumbi

5.     Kusavan, Kulalan, Kumbharan, Velaan, Odan, Andhra Nair, Andhuru Nair

6.     Madiga

7.     Pulayan Vettuvan (Except Kochi State)

8.     Scheduled Caste Converted to Christianity

Regional Offices

Regional Offices and address	Collection Centres	Dates Of Collection
Kottayam Kerala State Development Corporation for Christian Converts and Recommended Communities The Regional Manager, KSDC for CC & RC, Regional Office, Near Railway Station, Nagampadom, Kottayam Ph. 0481 - 2564304, 9400309740	Pathanamthitta Taluk office Ranni Ration shop Kumbanad	8th of every month
	Idukki Civil Station,Peerumedu	26th of every month
	Ernakulam Municipal Corporation Muvattupuzha	23rd of every month
Kozhikode Kerala State Development Corporation for Christian Converts and Recommended Communities The Jr. Superintendent, KSDC for CC & RC, Regional Office, Sasthri Nagar Complex, Eranhipalam, Kozhikode. Ph.No. 0495- 2367331.	Malappuram Nilambur Block Panchayath office	2nd and 4th Fridays of every month
	Thrissur SC/ST development corporation complex chembukavu	1st and 3rd Fridays of every month
Thiruvananthapuram Kerala State Development Corporation for Christian Converts and Recommended Communities The Regional Manager, KSDC for CC & RC, Regional Office, Ayyankali Bhavan (2nd  floor) Kanakanagar, Kowdiar P.O., Pin 695 003 Thiruvananthapuram. Ph.No. 0471- 2316472	Thiruvananthapuram Civil Station Neyyattinkara	10th of every month
	Kollam Gandhi Lenin Library Kottarakara	5th of every month

Loan Schemes

Scheme	Age	Maximum Amount	Interest Rate	Tenure	Conditions
Housing  Loan	18-55	₹7,00,000	6%	144 months	Minimum Land required is 3 cents in the name & possession of the applicant. The amount will be given in 3 instalments and the instalments will be allotted based on the stage certificate.
House Revamping Loan	18-55	₹2,50,000	6%	120 months	The loan is for the renovation of existing house. Minimum Land required is 3 cents in the name & possession of the applicant . The amount will be paid in 2 instalments. The installments are granted on the basis of the estimate.
Land Purchase and house Building Loan	18-50	₹10,00,000	6%	180 months	The applicant should not posses any land or house. Minimum 3 cents of land should be purchased. The land purchase should be mortgaged to the Corporation The construction of the house should be completed within the stipulated time.
Marriage Loan	18-55	₹2,50,000	5%	60 months	Application should be in the name of the bride. The loan amount will be determined on the basis of valuation certificate / net salary . If the marriage certificate is not produced within 60 days after the date of marriage. The loan will be rescheduled at a higher rate of interest. No application will be accepted after the date of marriage.
Self Employment Loan	18-45	₹5,00,000	6%	60 months	Loan is  for starting a new venture Loan will be allotted based on the detailed project report submitted. The loan amount will be determined on the basis of valuation certificate / net salary.
Educational Loan	18-45	₹5,00,000	5.5%	60 months	Maximum loan amount of Rs.5 lakh is allowed to students (90% of the course fee) for pursuing professional degree / PG courses conducted by recognized universities in India. Loans are provided for pursuing Degree / PG courses conducted by recognized Universities within Kerala. The loan amount will be determined on the basis of valuation certificate / net salary.
Farm Land Loan	18-55	₹4,00,000	5.5%	has to be repaid in 96 installments. First repayment falls due after the completion of ten months	The loan will be provided to purchase land suitable for cultivation, consisting of at least 20 cents of dry land or at least 1 acre of wet land The land purchase should be mortgaged to the Corporation
Personal Loan	18-55	₹3,50,000	8%	60 months	The loan amount could be utilized for any purpose and Corporation doesn’t demand any project for this loan. The loan amount will be determined on the basis of valuation certificate / net salary.
Startup Loan For Professionals	18-45	₹5,00,000	8%	60 months	Loan will be provided to those who have a professional degree or diploma to start a business Loan will be allotted based on the detailed project report submitted.
Laptop Loan for Students	18-45	₹50,000	6%	24 months	This loan is for  students to buy a laptop for educational purposes. In the event that the student is under the age of 18, parental submission of the application is required
Agriculture loan	18-55	₹50,000	4%	The loan must be repaid in full at once after one year.	Loan is provided to farmers for cultivating a minimum of 50 cents of land on their own property or cultivating 1 acre of leased land, subject to the various agricultural norms applicable to the farmer. The loan amount, totaling ₹52000 including interest, is to be repaid in full after one year.
Personal Loan for Government Employee	20-50	₹5,00,000	10%	60 months	This loan is available to employees of Kerala Government / Public Sector Institutions for various purposes. A maximum of ₹3.50 lakhs can be availed with a salary certificate, and amounts exceeding ₹3.5 lakhs require property security of 3 cents or an official guarantee from someone else.
Vehicle Loan for Government Employees	20-50	₹5,00,000	10%	60 months	Loan for Vehicle for Kerala Government Public Sector Institutions Employees. The vehicle must be hypothecated in the name of the corporation. 80% of the vehicle's price will be provided as a loan
Higher Income Housing Loan	18-55	₹10,00,000	7%	144 months	This is a home loan for high income earners. There should be at least  5 cents of property in possession of the applicant . The amount will be given in 2 instalments and the instalments will be allotted based on the stage certificate.
Higher Income Business Loan	18-45	₹10,00,000	11%	60 months	Loans are given to entrepreneurs aiming to scale up their current ventures. Applicants must be individuals filing income tax returns. Loan will be allotted based on the detailed project report submitted.
Higher Income Personal Loan	20-50	₹10,00,000	10%	60 months	This loan is available to individuals with higher income  for various purposes. A maximum of ₹3.50 lakhs can be availed with a salary certificate, and amounts exceeding ₹3.5 lakhs require property security of 3 cents or an official guarantee from someone else.

Past Chairmans

No	Name	Term of Office
		Assumed Office	Left Office
1.	R.P Singh	1980	1981
2.	J.S Badhan	1981	1981
3.	Mery Bhavanam Yohannan	1981	1982
4.	J Lalithambika IAS	1982	1983
5.	T.M Daniel	1983	1985
6.	M.G.K Moorthy	1985	1987
7.	Sunny Kanjiram	1987	1988
8.	C Chandran IAS	1988	1989
9.	P.K Sivanandan IAS	1989	1990
10.	K John Paul	1990	1991
11.	Sunny Kanjiram	1991	1993
12.	P J Samuel	1993	1994
13.	M.G.K Moorthy	1994	1996
14.	C Chandran IAS	1996	1998
15.	P.K Sivanandan IAS	1998	1999
16.	K John Paul	1999	2001
17.	L. Natarajan IAS	2001	2002
18.	Sunny Kanjiram	2002	2004
19.	Romanus Horo IAS	2004	2005
20.	P.S John	2005	2006
21.	P.J Samuel	2006	2011
22.	S.Subbaith IAS	2011	2012
23.	Shins Peter	2012	2016
24.	Mathai Chacko	2016	2019
25.	P.J. Varghese	2019	2022
26.	Jassie Gift	2022	Present

Past Managing Directors

No	Name	Term of Office
		Assumed Office	Left Office
1.	K.Velutha Kunju	December 18,1980	September 30,1981
2.	B.K Jaiswar IAS	October 01,1981	August 16,1983
3.	K.J Mathew IAS	August 17,1983	September 14,1983
4.	V. Appu	September 19,1983	May 31,1984
5.	V.N Anirudhan	June 1,1984	June 7,1984
6.	P. R. Soman	June 8,1984	February 2,1985
7.	K.J Mathew IAS	February 25,1985	May 27,1986
8.	O.C. Vincent IAS	May 28,1986	July 21 1987
9.	Lizie Jacob IAS	July 22,1987	November 01,1987
10.	Chellappan	November 2,1987	March 31,1989
11.	P.K Jacob	April 1,1989	April 18,1989
12.	P.S. Enos	April 19,1989	April 20,1992
13.	Sajan Peter IAS	April 21,1992	December 21,1992
14.	K.R Rajan	December 22,1992	July 31,1996
15.	Raman Srivastava IPS	August 1,1996	April 28,1998
16.	Bishwanath Sinha IAS	August 19,1998	June 1,1999
17.	I. Santhakumar	June 1,1999	September 14,2001
18.	V.K Jayakrishnan IAS	September 14,2001	October 8,2001
19.	L. Rajan	October 8,2001	June 25,2003
20.	V. Prasenan	June 25,2003	July 19,2003
21.	A.V Divakaran	July 19,2003	July 21,2004
22.	Asok Kumar Singh IAS	July 21,2004	December 9,2004
23.	M. Abdul Salim	December 9,2004	April 13,2007
24.	P G Thomas	April 13,2007	May 24,2007
25.	P.R Radhakrishna Panickar	May 24,2007	July 09,2007
26.	S. Bimal Ghosh	July 09,2007	December 19,2011
27.	M.A. Francis	December 19,2011	June 08,2012
28.	Don Bosko P	June 8,2012	April 4,2013
29.	M.A.Subramannian	April 05,2013	October 16,2014
30.	Jafar Khan T.A	October 16,2014	August 31,2015
31.	V.R Joshy	August 31,2015	November 20,2015
32.	N. Raveendran	November 21,2015	September 23,2016
33.	K. Venu	September 24,2016	October 31,2016
34.	Ali. Asgar Pasha	November 18,2016	July 05,2017
35.	S. Sarada	July 06,2017	May 08,2018
36.	S. Bindhu	May 09,2018	May 18,2018
37.	S. Sarada	May 28,2018	July 10,2019
38.	V.C Sannikutty (A.O)	January 28,2019	February 27,2019
39.	S. Sarada	February 28,2019	July 10,2019
40.	S. Bindhu	July 11,2019	October 15,2019
41.	A. P. Shahnawas (A.O )	October 16,2019	February 15,2020
42.	S. Bindhu	February 16,2020	January 15,2022
43.	Baburaj B.	January 15,2022	Present

Overview During The Past Few Years

• Kerala State Development Corporation for Christian Converts and the Recommended Communities (KSDC for CC & RC) received ₹5 crore in capital assistance from the government in the financial year 2021-22, followed by ₹3.5 crore in 2022-23, and a provision of ₹6 crore in the Budget Estimates for 2023-24.
• In the 2022-23      FY, the corporation collected Rs. ₹11.63 crore and disbursed ₹10.33 crore. During this period, the corporation welcomed 402 new beneficiaries while closing 348 beneficiaries.
• In the 2023-24 FY, collections increased to ₹12.62 crore, with disbursements rising to ₹17.52 crore. the number of new beneficiaries increased to 574 ,while 440 beneficiaries were closed during this period. This disbursement marks the highest amount of loans provided by the corporation in its 44 years of history.
• The Corporation achieved Net profits of ₹25.95 lakhs in FY 2020-21, ₹182.39 lakhs in FY 2021-22, and ₹300.63 lakhs in FY 2022-23, marking significant growth since its establishment in 1980.
• The government approved a one-time settlement scheme to waive interest and penalty on loans expired by March 31, 2006, and outstanding as of March 2023. Additionally, a scheme to settle loans of deceased beneficiaries was initiated.
• Efforts to enhance loan management and accountability include implementing Loan Management & Accounting software and e-governance implementation, with 40% of repayments conducted online.
• A sub-office was established at the Mavelikkara Mini Civil Station in Alappuzha district on 9-1-2023.
• In 2023 Job-oriented training with stipends was provided to 75 students from the targeted community

Course	Course Provided By	Number Of Beneficiaries
Certificate Course on Refrigeration and air conditioning	Continuing Education Cell Govt. Polytechnic Kottayam	30
Certification course on CCTV and Scrolling Display	Keltron knowledge Centre, Kottayam	15
Certificate Course on Mobile phone Technology	Keltron knowledge Centre, Kottayam	15
Diploma in Computer Application	Continuing Education cell Central polytechnic college ,Thiruvananthapuram	30

Board of Directors

No	Name	Designation
1	Jassie Gift	Chairman
2	Latha S Additional Secretary Backward Communities Development Department Government Secretariat Thiruvananthapuram	Director
3	Sureshkumar S Additional Secretary, Finance Department,Government Secretariat Thiruvananthapuram	Director
4	Suresh M K	Non-Official Director
5	Siju Sebastian	Non-Official Director
6	Baburaj B	Managing Director

External links

Official website