The Haryana Scheduled Castes Finance and Development Corporation (HSFDC), in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC), provides education loans for higher studies in India and abroad.
This scheme is specifically designed for Safai Karamcharis or their dependents to help them pursue professional and technical education and build a better future.
Benefits
- Maximum Loan Amount:
- ₹10,00,000/- for studies within India.
- ₹20,00,000/- for studies abroad.
- Covered Expenses:
- Admission & tuition fees.
- Books, stationery, examination fees.
- Boarding & lodging expenses.
- Travel expenses (for studies abroad).
- Insurance premium.
- Caution money, development fund, etc.
- Flexible Repayment Terms:
- Loan repayment starts 6 months after course completion or on getting employment, whichever is earlier.
- Loan to be repaid in 20 quarterly installments (5 years) from the first disbursement.
- Courses Covered:
- Engineering (Diploma/B.Tech/B.E./M.Tech/M.E.)
- Medical (MBBS, MD, MS, BDS, MDS, Physiotherapy, Pathology, Nursing)
- Pharmacy (B.Pharma, M.Pharma)
- Information Technology (BCA, MCA)
- Management (BBA, MBA, Hotel Management, Law, etc.)
- Mass Communication, Chartered Accountancy, Company Secretary (CS), Cost Accountancy (ICWA), M.Phil/PhD
Eligibility Criteria
- Permanent Resident of Haryana.
- Age Requirement: Between 18 and 55 years.
- No income limit.
- Applicant should be a Safai Karamchari or a dependent.
- Must be pursuing a full-time professional/technical course in India or abroad.
- Loan available only once per student (either at Diploma/Graduation or Postgraduation level).
Definition of “Permanent Safai Karamchari”:
A person engaged in sanitation work and includes his/her dependents.
Safai Karamchari Certificate Issuance:
- Issued by a Gazetted Officer, elected members of Municipal Bodies, Gram Panchayat Pradhans, or officers from Railways, Schools, Health & Education Departments.
Application Process
Online Application via HSFDC Portal
- Visit the HSFDC Official Website:
- Select ‘NSKFDC Assisted Scheme’.
- Click on ‘Apply for Loan’ and register.
- Fill in your details and upload required documents.
- Submit the application and receive a User ID & Password.
- Login and complete your profile update.
- Submit the final application and take a printout for records.
Application via Antyodaya-SARAL Portal
- Visit the Antyodaya-SARAL Portal:
- New User Registration:
- Click ‘New User’ → Enter details → Submit & Verify OTP.
- Login to the Portal:
- Enter Email ID, Password & Captcha, then Login.
- Apply for the Scheme:
- Click ‘Apply for Services’ → Find “NSKFDC Education Loan” → Fill the Application Form.
- Upload Required Documents.
- Preview & Submit the Application.
- Track Application Status:
- Use Application Reference ID on Antyodaya-SARAL Portal.
Documents Required
For Studies in India
- Aadhaar Card.
- Identity Proof (PAN, Voter ID, etc.).
- Safai Karamchari/Dependent Certificate.
- Residence Certificate (Haryana Domicile).
- Parivar Pehchan Patra (PPP ID).
- Admission Confirmation Letter.
- Fee Structure from Educational Institution.
- Bank Account Details.
- Previous Qualification Certificates.
- Photographs (Passport Size).
For Studies Abroad
- Admission Letter from Foreign Institution.
- Accreditation Status of Institution.
- Foreign Exchange Permit (if applicable).
- Visa & Passport Copy.
- Loan Application Form.
- School Leaving Certificate (for Age Proof).
Frequently Asked Questions (FAQs)
Q: Who can avail of this education loan?
This loan is exclusively for Safai Karamcharis or their dependents pursuing higher education.
Q: What is the maximum loan amount for studies within India?
The maximum loan for studies within India is ₹10,00,000/-.
Q: What is the maximum loan amount for studies abroad?
The maximum loan for studies abroad is ₹20,00,000/-.
Q: What expenses does the loan cover?
The loan covers tuition fees, books, boarding/lodging, travel, insurance, and examination fees.
Q: Are there any age limits for applicants?
Yes, applicants must be between 18 and 55 years.
Q: Is there any income limit for applicants?
No, there is no income limit for applying to this scheme.
Q: When does loan repayment start?
Repayment starts 6 months after course completion or on securing employment, whichever comes first.
Q: What is the repayment period?
The loan must be repaid in 20 quarterly installments over 5 years.
Q: Can this loan be availed for part-time courses?
No, the loan is only for full-time regular professional and technical courses.
Q: What is the “tag/maker” on the degree/diploma?
A tag/maker will be added to the student’s diploma/degree indicating loan repayment liabilities.
Q: How to apply for the educational loan?
Applications can be made online through HSFDC Portal or Antyodaya-SARAL Portal.