The “Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana)” is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. This scheme aims to empower persons with disabilities by providing them with access to self-employment loans for a wide range of income-generating activities. These activities include, but are not limited to, Agriculture and Allied Activities, Small Business/Artisan & Traditional Occupations, Transport Sector & Service Sector, and Technical & Professional Trades/Courses. Under the scheme, eligible beneficiaries can avail loans up to ₹50 lakhs at interest rates varying from 5% to 9% per annum, depending on the category (OH/VH/HH/MR) they fall under.
Benefits
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Loan Amount:
Eligible beneficiaries can secure loans of up to ₹50,00,000/- for self-employment. -
Wide Range of Sectors:
Loans can be used for various income-generating activities such as agriculture, small business, artisan and traditional occupations, transport, service sectors, and technical/professional trades. -
Attractive Interest Rates:
Interest rates range between 5% to 9% per annum based on the applicant’s category.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Disability Criterion:
The applicant must have a disability of at least 40%. For loan amounts of ₹15 lakhs and above, a Unique Disability ID (UDID) registration under the Department of Empowerment of Persons with Disabilities (DEPwD) is mandatory. -
Age Limit:
The applicant should be between 18 and 55 years of age. For persons with mental retardation, the eligible age is above 14 years. -
Identification:
The applicant must have a Parivar Pehchan Patra (PPP ID). -
Sector Categories:
The scheme supports individuals in diverse sectors including agriculture and allied activities, small business/artisan trades, transport, service, and technical/professional courses.
Application Process
Online via the Antyodaya-SARAL Portal
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Registration:
- Visit the Antyodaya-SARAL Portal.
- Click on “New User” under ‘Sign In Here’ and fill in mandatory details (Name, Email ID, Mobile Number, Password, and State).
- Complete the registration by verifying your mobile number and email via OTP.
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Login and Application:
- Log in using your registered email ID and password.
- Click on “Apply for Services” and then “View all Available Services.”
- Search for the Divyangjan Swavalamban Yojana scheme and select it.
- Enter your Parivar Pehchan Patra (PPP ID) and click “Click here to Fetch Family Data” to display the registered family members.
- Select the beneficiary/applicant, verify via OTP, and fill in all mandatory details.
- Upload the required documents and preview the application form.
- Finally, click on “Submit” to complete your application.
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Tracking the Application:
- Applicants can track their application status on the Antyodaya-SARAL Portal by entering their Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship Proof: Aadhaar Card.
- Proof of Age: Valid age certificate (such as a Birth Certificate or any government-issued certificate).
- Resident Proof/Address Proof: Haryana Domicile Certificate.
- Disability Certificate: Issued by the competent authority.
- Photograph: Passport-size photograph.
- Parivar Pehchan Patra (PPP ID): Proof of family identification.
- Bank Account Details: Valid bank account information.
- Other Documents: Any additional documents as specified by the scheme requirements.
Frequently Asked Questions
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What types of activities does the scheme support?
It supports income-generating activities in sectors such as agriculture and allied activities, small business/artisan trades, transport, service, and technical/professional courses. -
What is the maximum loan amount available under this scheme?
Loans of up to ₹50,00,000/- are provided. -
Who can apply for this scheme?
Permanent residents of Haryana with a disability of 40% or more, aged between 18 and 55 years (with a lower age limit of 14 for persons with mental retardation), who possess a Parivar Pehchan Patra, can apply. -
What are the benefits of the scheme?
The scheme offers affordable loans at interest rates between 5% and 9% per annum for self-employment in various sectors. -
What are the eligibility criteria for applicants?
Applicants must be permanent residents of Haryana, have a disability of at least 40%, be within the prescribed age limits, and possess a valid PPP ID. -
Do applicants need any specific registration?
For loans of ₹15 lakhs and above, UDID registration is mandatory. -
Is a Parivar Pehchan Patra (PPP ID) mandatory for application?
Yes, it is mandatory. -
Can applicants from other states apply for this scheme?
No, the scheme is exclusive to permanent residents of Haryana. -
How can eligible applicants apply?
They can apply online through the Antyodaya-SARAL Portal as detailed above. -
How can applicants track their application status?
Applications can be tracked using the application reference ID on the Antyodaya-SARAL Portal.