The Term Loan Scheme – Credit Line 2 for Minority Community is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. This scheme is designed to enhance the employability of individuals from minority communities by providing loans of up to ₹30,00,000 at a concessional interest rate. The financial assistance is intended to support young professionals in setting up various establishments such as clinics, nursing homes, physiotherapy centers, bio-medical labs, lawyers’ offices, engineering units, chemist shops, architect offices, and similar ventures.
Benefits
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Loan Amount:
Eligible applicants can secure loans up to ₹30,00,000. -
Concessional Interest Rate:
The loans are offered at a preferential, concessional interest rate to make borrowing more affordable. -
Enhanced Employability:
The scheme supports the establishment of income-generating ventures, thereby improving the employability of minority community members.
Eligibility
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Residency:
The applicant must be a permanent resident of Haryana. -
Age Limit:
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 (Muslims, Sikhs, Christians, Buddhists, Parsis, or Jains). -
Identification:
Applicants are required to have a Parivar Pehchan Patra (PPP ID). -
Professional Qualification:
The applicant should have the necessary professional or academic training relevant to the proposed venture.
Application Process
Online Process via the Antyodaya-SARAL Portal:
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Registration:
- Visit the official Antyodaya-SARAL Portal at https://saralharyana.gov.in/.
- If not registered, click “New User” under ‘Sign In Here’ and fill in the mandatory details (Name, Email ID, Mobile Number, Password, and State).
- Click ‘Submit’ and verify your mobile number and email using the received OTP to complete registration.
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Login and Apply:
- Log in to the portal using your registered email ID, password, and captcha.
- Click on “Apply for Services” and then “View all Available Services.”
- Search for the Term Loan Scheme – Credit Line 2 for Minority Community and click on it.
- Enter your Parivar Pehchan Patra (Family ID) number and click “Click here to Fetch Family Data” to display the family members linked to your Family ID.
- Select the beneficiary/applicant name, verify via OTP, and fill in all mandatory details.
- Upload the required documents.
- Preview your application form and click on “Submit.”
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Tracking Application:
- Applicants can track their application status by logging into the portal and entering their Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship Proof:
Aadhaar Card - Age Proof:
Aadhaar Card or any other accepted document - Resident/Address Proof:
Haryana Domicile Certificate (or other acceptable proof such as a utility bill or ownership document) - Caste/Religion Proof:
Caste certificate or religion certificate for the reserved category - Parivar Pehchan Patra (PPP ID):
Required to verify 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 specified by the scheme guidelines
Frequently Asked Questions
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What is the maximum loan amount provided under this scheme?
Up to ₹30,00,000 can be availed. -
Which minority communities are covered under this scheme?
The scheme is available for individuals belonging to Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. -
What is the age limit for applicants?
Applicants must be between 18 and 55 years old. -
What is the income criterion for eligibility?
- Rural: Annual family income must be between ₹98,001 and ₹8,00,000.
- Urban: Annual family income must be between ₹1,20,001 and ₹8,00,000.
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Is it mandatory for applicants to have a Parivar Pehchan Patra (PPP ID)?
Yes, a PPP ID is required. -
How can eligible applicants apply for the loan?
Applicants must register and apply online via the Antyodaya-SARAL Portal. -
Is there an offline application process for this scheme?
The scheme is primarily designed for online applications via the portal. -
Can applicants track their application status?
Yes, applications can be tracked through the Antyodaya-SARAL Portal using the required details. -
Can non-residents of Haryana apply for this scheme?
No, only permanent residents of Haryana are eligible.