The BC Corporation Loan Scheme is run by the Andhra Pradesh Backward Classes Co-operative Finance Corporation (APBCCFC). It gives subsidy-linked loans to Backward Class (BC) people so they can start or grow a small business. The government pays a subsidy part, the bank gives a loan part, and you pay a small share yourself.
Apply online on the OBMMS portal (apobmms.apcfss.in ) — click Registration, verify with Aadhaar OTP, log in, choose the BC Corporation, pick your sector and scheme, and submit to get a Beneficiary ID. Then submit the hard copy to your MPDO or Municipal Commissioner. Check status with “Beneficiary Search” using your ration card or Aadhaar.
What is the BC Corporation Loan Scheme?
The Andhra Pradesh Backward Classes Co-operative Finance Corporation (APBCCFC), commonly called the BC Corporation, is a state government finance body. It helps Backward Class (BC) families who are economically weak to become self-reliant.
Under the BC Corporation Loan Scheme, an eligible BC person gets financial help to start or expand a small business — like a shop, tailoring unit, auto, dairy, or service unit. This is not a full free grant. It is a subsidy-linked bank loan, made of three parts:
- Government subsidy (a big part, given free)
- Bank loan (the main balance)
- Your own share (a small contribution)
The main goals of the scheme are:
- To promote self-employment among BC families.
- To help people earn their own income and create jobs.
- To improve the economic status of backward communities.
- To give money directly to the beneficiary, with no middlemen.
The whole process runs through the OBMMS portal (apobmms.apcfss.in ), which is the state’s common system for all welfare corporations.
BC Corporation Loan Scheme Overview 2026
| Detail | Information |
| Scheme Name | BC Corporation Loan Scheme |
| Run By | AP Backward Classes Co-op Finance Corporation (APBCCFC) |
| State | Andhra Pradesh |
| For | Backward Class (BC) community |
| Apply Portal | OBMMS – apobmms.apcfss.in |
| Help Type | Government subsidy + Bank loan + Your share |
| Sectors | Agriculture, Transport, ISB, Minor Irrigation |
| Beneficiary Type | Individual or Group |
| Status Check | Beneficiary Search (Ration card / Aadhaar) |
| Subsidy Paid To | Your bank account (DBT) |
BC Corporation Loan: How the Subsidy Works
- You choose a scheme and its unit cost (the total cost of your business or asset).
- The government gives a subsidy — a big share of that cost, free of cost.
- The bank gives a loan for most of the balance.
- You pay a small contribution from your own pocket.
When you enter the unit cost on the OBMMS scheme portal, the system automatically shows your subsidy amount and bank loan amount.
Different sources give different figures for the loan range (commonly cited as around ₹1 lakh to ₹10 lakh), the subsidy share (often around 40% to 60%), and the beneficiary contribution (often around 5%). These change every year and differ by sector and scheme. So always check the current unit cost, subsidy, and your share on the official portal before you apply , do not trust old figures on other websites.
BC Corporation Loan Sectors and Schemes
You can choose a business from these BC Corporation sectors:
- ISB (Industry, Service and Business): Small units like tailoring, shops, saloon (salon), photo studio, agarbatti making, pickle making, candle making, and automobile servicing.
- Transport Sector: Auto rickshaw, car taxi, Tata Ace, goods vehicle, and similar. (You need a driving licence and badge number.)
- Agriculture and Allied: Dairy units, sheep units, animal husbandry, and farm activities.
- Minor Irrigation: Bore wells, pump sets, and similar farm water works.
The BC Corporation also supports community-specific work, like building Dhobighats for the Rajaka (washermen) community.
BC Federations Under the BC Corporation
The BC Corporation also funds 11 BC Federations, each for a specific BC community. Some of these are:
- AP Washermen (Rajaka) Co-op Societies Federation
- AP Nayee Brahmin (Barbers) Co-op Societies Federation
- AP Vaddera Co-op Societies Federation
- AP Sagara (Uppara) Co-op Societies Federation
- AP Valmiki / Boya Co-op Societies Federation
- and other community federations
Some districts also give direct financial help to specific groups for example, help for Rajakas, Nayee Brahmins, and tailors who own shops, and for women of certain communities for their livelihood.
Margin Money and BC Abhyudaya Yojana (Rural vs Urban)
The BC Corporation runs its individual self-employment help under two names, based on where you live:
- Margin Money Scheme — for people in rural areas.
- BC Abhyudaya Yojana — for people in urban areas.
Both give government subsidy support linked to a bank loan for self-employment. So when you apply, the correct scheme is chosen based on your village or town address.
Who is Eligible for the BC Corporation Loan Scheme?
You are eligible if:
- You are a permanent resident of Andhra Pradesh.
- You belong to the Backward Class (BC) community, with a valid caste certificate.
- You are below the poverty line (BPL) or within the corporation’s income limit.
- You are within the age limit (commonly cited as 21 to 60 years but sources differ, so check the current year’s rule on the portal).
- You have a valid Aadhaar, ration card, and bank account.
- You have a clear business idea and are ready to run it yourself.
If you already have an unpaid loan under the same corporation, you usually cannot apply again until it is cleared.
Documents Required for the BC Corporation Loan
Keep these documents ready before you apply:
- Aadhaar Card (your photo is fetched from Aadhaar)
- Caste Certificate (BC), issued through MeeSeva
- Income Certificate
- Ration Card for family details
- Bank passbook (bank name, branch, and IFSC code)
- Address proof (electricity bill, etc.)
- Educational qualification details
- You need a Driving Licence and Badge Number only for the Transport sector.
- Project report (a simple plan of your business, cost, and expected income)
Get your MeeSeva caste and income certificates first, because the application asks for them.
How to Apply for the BC Corporation Loan Online (Step-by-Step)
Follow these simple steps on the OBMMS portal:
Step 1: Go to the official portal apobmms.apcfss.in .
Step 2: On the home page, click “Registration”.
Step 3: Enter your Aadhaar number, mobile number, full name, father’s/husband’s name, date of birth, and district.
Step 4: Accept the declaration and click “Generate OTP”, then enter the OTP to finish registering. You get a User ID and password.
Step 5: Go back to the home page, click “Login”, and enter your User ID and password.
Step 6: From your dashboard (or the “Apply Online” link), select the BC Corporation.
Step 7: Choose your Beneficiary Type — Individual or Group.
Step 8: Select your Sector (ISB, Transport, Agriculture, etc.) and then your Scheme.
Step 9: Select your District, Mandal, Panchayat, Village, and Habitation.
Step 10: Enter your unit cost the portal auto-calculates your subsidy and bank loan.
Step 11: Enter your bank branch and IFSC code, family and ration card details.
Step 12: Select your caste and enter your MeeSeva caste certificate details.
Step 13: Enter your address and educational qualification, and upload any needed documents.
Step 14: Before submitting your application, click Preview to review all the information. If everything is correct, click Submit.
Step 15: You get a message with your Beneficiary ID save it carefully.
Submit the Hard Copy After Applying Online
After you submit the online form:
- Print the acknowledgement form (PDF) from the portal.
- Attach all your documents (Aadhaar, caste and income certificates, ration card, bank passbook).
- Submit the hard copy to:
- The Mandal Parishad Development Officer (MPDO) — in rural areas, or
- The Municipal Commissioner — in a municipality, or
- The Zonal Commissioner — in a municipal corporation.
Your application is not complete until this hard copy reaches the office. So do it soon after applying online.
How to Apply for the BC Corporation Loan Offline
If you cannot apply online, you can apply offline:
- Visit your nearest BC Corporation office (District BC Society) or a MeeSeva centre.
- Fill the application form and attach your documents.
- Submit it at the information desk.
- Collect your acknowledgement number to track the application.
Your Grama/Ward Sachivalayam can also guide you.
What Happens After You Apply? (Selection Process)
After you submit your application, these are the next steps:
- Your application goes to the District BC Society / corporation for verification.
- A Selection cum Screening Committee at the Mandal level reviews and interviews applicants, based on skill and the scheme target.
- If selected, the bank sanctions the loan, and the corporation approves the subsidy.
- You may need to deposit your own small contribution into the designated account (and it must stay there until processing is complete).
- The loan and subsidy are released together, and the money is credited to your bank account (DBT).
- You buy the asset or start the business this is called “grounding”.
- Officials take a geo-tagged photo of your unit to confirm the business is real.
Since targets are limited, not everyone who applies gets selected in the same year.
How to Check BC Corporation Loan Status Online
To check your application or beneficiary status, follow these steps:
- Go to the OBMMS portal (apobmms.apcfss.in ).
- In the Citizen Corner, click on “Beneficiary Search”.
- Enter your Ration Card number or Aadhaar number.
- Click “Search” to view your status and details.
You can also use the “Get Beneficiary Proceedings” option by entering your Beneficiary ID, corporation name, and date of birth. Or log in to your account to track the application.
Benefits of the BC Corporation Loan Scheme
The scheme gives real benefits to BC families:
- Money to start a business, with a big government subsidy.
- Only a small contribution from your own pocket.
- Self-employment you earn your own income and can employ others.
- No middlemen, the subsidy comes straight to your bank account.
- Apply from home on the OBMMS portal.
- Track your application with your Beneficiary ID.
- Community federations give extra support to specific BC groups.
Why is BC Corporation Loan Application Rejected?
If your application is stuck or rejected, here are the common reasons:
- Hard copy not submitted to the MPDO / Municipal Commissioner.
- Caste certificate missing or not issued through MeeSeva.
- Income above the limit, or you are not BPL.
- Age outside the limit for that year.
- Existing unpaid loan under the same corporation.
- Weak project report — vague cost or income details.
- Bank did not sanction the loan part.
- Not selected by the Mandal screening committee (targets are limited).
Check the reason, fix it, and apply again in the next cycle.
BC Corporation Loan Helpline and Where to Get Help
If your application or status problem is not solved, you can get help here:
- District BC Corporation Office (District BC Society)
- MPDO office (rural) or Municipal Commissioner office (urban)
- Grama/Ward Sachivalayam (for certificates and local help)
- Helpline numbers listed on the official portal apobmms.apcfss.in
Always use only the official OBMMS portal. Many other “BC Corporation loan” websites are not official, so avoid them and never pay an agent.
Conclusion
The BC Corporation Loan Scheme helps eligible BC families start their own business. The government provides a subsidy, and the bank provides the loan.
Apply through the AP OBMMS portal and save your Beneficiary ID. Print the application after submitting it online and give the hard copy to your MPDO or Municipal Commissioner. Keep your documents ready and check your status regularly.
Frequently Asked Questions (FAQs)
1. What is the BC Corporation Loan Scheme?
It is a scheme of the AP Backward Classes Co-operative Finance Corporation (APBCCFC) that gives subsidy-linked bank loans to Backward Class (BC) people in Andhra Pradesh to start or expand a small business.
2. How do I apply for the BC Corporation loan online?
Go to apobmms.apcfss.in, click Registration, enter your Aadhaar and details, verify with OTP, log in with your User ID, select the BC Corporation, choose your sector and scheme, enter your unit cost and bank details, and submit to get a Beneficiary ID.
3. Do I need to do anything after applying online?
Yes. Print the acknowledgement PDF and submit the hard copy with your documents to the MPDO (rural), Municipal Commissioner (municipality), or Zonal Commissioner (corporation). Without this, your application is not complete.
4. How much subsidy do I get under the BC Corporation loan?
The subsidy depends on your sector, scheme, and unit cost. When you enter the unit cost on the portal, it automatically shows your subsidy and bank loan amount. The subsidy share and your contribution change every year, so check the current figures on the portal.
5. Who is eligible for the BC Corporation loan?
Permanent residents of Andhra Pradesh from the BC community, with a valid MeeSeva caste certificate, who are BPL or within the income limit, are within the age limit, and have a valid Aadhaar, ration card, and bank account.
6. What documents are needed for the BC Corporation loan?
You need your Aadhaar card, BC caste certificate, income certificate, ration card, bank passbook, address proof, educational details, and a project report. A driving licence with a badge number is required only for the Transport sector.
7. Which businesses can I start under the BC Corporation loan?
You can choose ISB units (tailoring, shops, saloon, photo studio, agarbatti or pickle making), Transport (auto, car taxi, Tata Ace), Agriculture and allied (dairy, sheep units), and Minor Irrigation.
8. What is the difference between Margin Money and BC Abhyudaya Yojana?
Both are individual self-employment schemes of the BC Corporation. The Margin Money scheme is for rural areas, and BC Abhyudaya Yojana is for urban areas.
9. How can I check my BC Corporation loan status?
On apobmms.apcfss.in, click “Beneficiary Search” in the Citizen Corner, enter your ration card number or Aadhaar, and click Search. You can also use “Get Beneficiary Proceedings” with your Beneficiary ID.
10. Why was my BC Corporation loan application rejected?
Your application may be rejected if you did not submit the hard copy, did not provide a MeeSeva caste certificate, your income or age is outside the limit, you have an unpaid loan, your project report is weak, the bank did not approve the loan, or you were not selected by the Mandal Screening Committee.
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