The Mahila Adhikarita Yojana is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC). This scheme provides loans and financial assistance to women Safai Karamcharis and their dependent daughters in Haryana for small-scale businesses and self-employment activities. The scheme offers loans of up to ₹2,00,000 for ventures like beauty parlors, boutiques, and small shops, helping women become economically independent.
Scheme Key Highlights (Short Summary)
• Objective: To provide financial assistance to women Safai Karamcharis and their daughters for self-employment.
• Loan Limit: Up to ₹2,00,000
• Subsidy: 50% of the project cost (Maximum ₹10,000 for BPL beneficiaries).
• Eligible Activities: Small businesses such as beauty parlors, cosmetic shops, and more.
Benefits
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Loan Amount: Up to ₹2,00,000 for starting small businesses.
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Subsidy: 50% of the project cost with a maximum subsidy of ₹10,000 for BPL (Below Poverty Line) beneficiaries.
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Margin Money: 10% of the project cost.
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Interest: Loans come with an interest rate of 5% per annum, with a penal interest of 4% in case of default.
Eligibility
• Age: Between 18 and 55 years.
• Resident: Must be a permanent resident of Haryana.
• Disability Criteria: Not applicable.
• Employment Status: Must be a woman Safai Karamchari or a dependent daughter of Safai Karamchari.
• Safai Karamchari Certificate: Must provide a certificate from an authorized government officer verifying their status.
Application Process
Online Application via Antyodaya-SARAL Portal
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Registration Process:
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Visit the official Antyodaya-SARAL Portal: saralharyana.gov.in
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Register as a new user by filling in details such as Name, Aadhaar Number, Mobile Number, and Email ID.
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Complete the registration by verifying your mobile number and email through OTP.
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Application Process:
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Log in with your credentials and click on “Apply for Services”.
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Select “Mahila Adhikarita Yojana” and complete the application form.
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Upload the required documents and submit the form.
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Track your application status via the Antyodaya-SARAL Portal by entering the Application Reference ID.
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Documents Required
• Aadhaar Card
• Ration Card
• Safai Karamchari Certificate (from the competent authority)
• Passport-size Photograph
• Bank Account Details
• Any other required documents (as per the application form)
Frequently Asked Questions (FAQs)
Q: Who implements the Mahila Adhikarita Yojana?
A: The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).
Q: What is the maximum loan amount under the Mahila Adhikarita Yojana?
A: The maximum loan amount provided is ₹2,00,000.
Q: What types of activities can the loan be used for?
A: The loan can be used for starting small and petty businesses such as beauty parlors, boutiques, bangle shops, and more.
Q: Who is eligible for the subsidy?
A: The subsidy is available to women Safai Karamcharis and their dependent daughters from Haryana who meet the other eligibility criteria.
Q: How can one apply for the loan?
A: Applicants can apply online through the Antyodaya-SARAL Portal by registering and submitting the application with the necessary documents.
Q: What happens after the loan application is submitted?
A: The application is scrutinized and verified by the concerned District Managers. Eligible cases are sent to NSKFDC for sanctioning the loan.