The “Micro Finance Scheme- Credit Line 1 for Minority Community” is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. This scheme provides small loans of up to ₹1,00,000 per beneficiary to members of Self-Help Groups (SHGs), either directly or through the SHGs, to support the poorest among the minority communities. The scheme is designed to boost entrepreneurship and economic empowerment by providing easy credit access for establishing or expanding income-generating activities.
Benefits
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Loan Amount:
Eligible beneficiaries can obtain loans up to ₹1,00,000 per person. -
Direct Access via SHGs:
Loans can be provided directly or facilitated through Self-Help Groups. -
Focused Support:
The scheme specifically targets minority communities, ensuring that financial resources reach those in need.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Age:
Applicants should be between 18 and 55 years of age. -
Income:
The applicant’s annual family income should not exceed:- ₹98,000 in rural areas
- ₹1,20,000 in urban areas
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Community:
The applicant must belong to a minority community (Muslims, Sikhs, Christians, Buddhists, Parsis, or Jains).- In an SHG, at least 75% of members must be from minority communities; groups with up to 60% minority members may also be eligible in exceptional cases.
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Identification:
The applicant should have a valid Parivar Pehchan Patra (PPP ID).
Application Process
Online via the Antyodaya-SARAL Portal
Registration Process:
- Visit the Portal:
Go to the official Antyodaya-SARAL Portal at https://saralharyana.gov.in/. - Register:
Click “New User” under ‘Sign In Here’ and fill in all mandatory details such as Name, Email ID, Mobile Number, Password, and State. Click “Submit.” - Verification:
Verify your mobile number and email using the OTP sent to you and complete the registration process.
Login and Application:
- Login:
Use your registered email ID and password to log in. - Access Services:
Click on “Apply for Services” and then “View all Available Services.” - Select the Scheme:
Search for the “Micro Finance Scheme- Credit Line 1 for Minority Community” and click on it. - Family Data Verification:
Enter your Parivar Pehchan Patra (PPP ID) number, click “Click here to Fetch Family Data” to display your registered family members, select the beneficiary/applicant name, and verify using the OTP. - Form Submission:
Fill in all mandatory details, upload all required documents, preview your application, and click “Submit.” - Tracking:
You can track your application status on the portal by entering your Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship proof (e.g., Aadhaar Card)
- Proof of Age
- Resident/Address proof (e.g., Haryana Domicile Certificate)
- Caste/Religion/Community Proof
- Parivar Pehchan Patra (PPP ID)
- Copy of PAN Card
- Passport-size photograph of the applicant
- Bank account details
- Any other documents as required by the scheme
Frequently Asked Questions
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Who can apply for the scheme?
Self-help group (SHG) members belonging to minority communities who are permanent residents of Haryana and meet the age and income criteria. -
What is the loan amount provided under this scheme?
Eligible beneficiaries can receive loans up to ₹1,00,000 per person. -
What is the age limit for applicants?
Applicants must be between 18 and 55 years of age. -
What is the maximum annual family income allowed for eligibility?
- Rural: ₹98,000
- Urban: ₹1,20,000
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What minority communities are eligible under this scheme?
Eligible communities include Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. -
How can eligible applicants apply for the scheme?
Applications must be submitted online via the Antyodaya-SARAL Portal. -
How is the loan amount disbursed?
The loan is provided directly or through the SHG and disbursed as per the bank’s procedures. -
How can one track the status of their application?
Track your application on the Antyodaya-SARAL Portal by entering the required details (Department Name, Scheme Name, and Application Reference ID).