The “Micro Finance Scheme – Credit Line 2 for Minority Community” is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Designed to meet the small loan requirements of the poor, this scheme provides loans of up to ₹1,50,000 per beneficiary to members of Self-Help Groups (SHGs), either directly or through the SHGs. It aims to empower minority communities in Haryana by providing accessible financial support to help set up income-generating activities.
Benefits
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Loan Amount:
Eligible applicants can obtain loans up to ₹1,50,000 per beneficiary. -
Empowerment:
The scheme supports minority community members by enabling them to secure funds for small business or self-employment ventures, thereby enhancing their economic status.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Age:
Applicants must be between 18 and 55 years old. -
Income Criteria:
- For rural applicants: Annual family income should be between ₹98,001 and ₹8,00,000.
- For urban applicants: Annual family income should be between ₹1,20,001 and ₹8,00,000.
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Community:
The applicant must belong to a minority community, including Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. -
Self-Help Group (SHG) Composition:
In an SHG, at least 75% of members must be from minority communities; in exceptional cases, groups with up to 60% minority members may also be eligible. -
Identification:
The applicant must have a Parivar Pehchan Patra (PPP ID).
Application Process
Online via Antyodaya-SARAL Portal:
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Registration:
- Step 1: Visit the official Antyodaya-SARAL Portal at https://saralharyana.gov.in/.
- Step 2: If not registered, click on “New User” under ‘Sign In Here’ and fill in all mandatory details (Name, Email ID, Mobile Number, Password, and State). Click “Submit.”
- Step 3: Verify your mobile number and email ID using the OTP received to complete the registration.
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Login and Application:
- Step 1: Log in to the portal using your registered email ID, password, and captcha.
- Step 2: Click on “Apply for Services” and then “View all Available Services.”
- Step 3: Search for the Micro Finance Scheme – Credit Line 2 for Minority Community and click on it to open the application form.
- Step 4: Enter your Parivar Pehchan Patra number (Family ID) and click “Click here to Fetch Family Data” to display family members linked to your Family ID.
- Step 5: Select the beneficiary/applicant name and complete OTP verification.
- Step 6: Fill in all mandatory details and upload the required documents.
- Step 7: Preview the application form and click “Submit.”
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Tracking:
- Applicants can track their application status through the Antyodaya-SARAL Portal by entering the Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship Proof:
Aadhaar Card. - Proof of Age:
Aadhaar Card or any other accepted document. - Resident/Address Proof:
Haryana Domicile Certificate or other acceptable proof (e.g., utility bill, ownership document). - Caste/Religion/Community Proof:
Caste certificate or religion certificate for reserved category. - Parivar Pehchan Patra (PPP ID):
Required for verifying family data. - PAN Card:
Copy of PAN Card. - Photograph:
Recent passport-size photograph of the applicant. - Bank Account Details:
Relevant bank account information. - Additional Documents:
Any other documents as required by the scheme guidelines.
Frequently Asked Questions
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Who can apply for this scheme?
Eligible applicants are members of SHGs who are permanent residents of Haryana, aged between 18 and 55, with an annual family income within the specified range, and belonging to a minority community. -
What is the loan amount provided under this scheme?
Loans of up to ₹1,50,000 per beneficiary are provided. -
What are the age criteria for applicants?
Applicants must be between 18 and 55 years old. -
What should be the annual family income of the applicant?
- Rural: ₹98,001 to ₹8,00,000
- Urban: ₹1,20,001 to ₹8,00,000
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How many members of an SHG need to belong to minority communities?
At least 75% of the SHG members must be from minority communities; in exceptional cases, groups with up to 60% minority members may also be eligible. -
How can one apply for the scheme?
Applicants must apply online via the Antyodaya-SARAL Portal. -
Is there any offline application process available?
The scheme is primarily designed for online applications through the portal. -
How can applicants track their application status?
Applicants can track their status by logging into the portal and entering their Department Name, Scheme Name, and Application Reference ID.