The “Term Loan Scheme for Backward Classes” is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. The scheme aims to enhance the employability of individuals from the Backward Classes by providing term loans of up to ₹15,00,000 at an annual interest rate ranging from 6% to 8%. This financial assistance is targeted at those whose annual family income does not exceed ₹3,00,000 in both rural and urban areas. Applicants must be permanent residents of Haryana, aged between 18 and 55 years, and must possess a Parivar Pehchan Patra (PPP ID).
Benefits
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Loan Amount:
Loans up to ₹15,00,000 are provided to eligible beneficiaries. -
Interest Rate:
The loans are offered at an annual interest rate between 6% and 8%. -
Objective:
To enhance the employability of individuals from Backward Classes through financial support.
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. -
Category:
The applicant must belong to the Backward Classes. -
Income:
The annual family income should not exceed ₹3,00,000 (applicable in both rural and urban areas). -
Identification:
The applicant must possess a Parivar Pehchan Patra (PPP ID).
Application Process
Online via the Antyodaya-SARAL Portal
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Registration:
- Visit the official Antyodaya-SARAL Portal at https://saralharyana.gov.in/.
- If not already registered, click “New User” under ‘Sign In Here’ and fill in all mandatory details (Name, Email ID, Mobile Number, Password, and State). Click “Submit”.
- Verify your mobile number and email ID via the OTP received.
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Login:
- Log in to the portal using your registered email ID and password.
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Application Submission:
- Click on “Apply for Services” then “View all Available Services.”
- Search for the “Term Loan Scheme for Backward Classes” and click on it.
- Enter your Parivar Pehchan Patra number (Family ID) and click “Click here to Fetch Family Data” to display the registered family members.
- Select the beneficiary/applicant name and verify using the OTP sent to the selected family member by clicking “Click to Verify.”
- Fill in all mandatory details and upload the required documents.
- Preview your application form and click “Submit.”
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Tracking:
- Applicants can track their application status on the portal by entering the Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship Proof:
Aadhaar Card. - Proof of Age.
- Resident Proof/Address Proof/Ownership Proof:
Haryana Domicile Certificate or Ration Card. - Caste/Religion Proof.
- Parivar Pehchan Patra (PPP ID).
- Passport-size Photograph of the applicant.
- Bank Account Details.
- Any other documents as required by the scheme guidelines.
Frequently Asked Questions
- What is the maximum loan amount provided under this scheme?
Up to ₹15,00,000. - What is the interest rate for loans under this scheme?
The annual interest rate is between 6% and 8%. - Is there an age limit to apply for this scheme?
Yes, applicants must be between 18 and 55 years old. - Can an individual from urban areas apply for this scheme?
Yes, the income limit and eligibility criteria apply to both rural and urban applicants. - Do I need to be a permanent resident of Haryana to apply?
Yes, only permanent residents of Haryana are eligible. - Can applicants from other states apply for this scheme?
No, the scheme is exclusively for residents of Haryana. - How can I apply for the scheme?
Applications must be submitted online via the Antyodaya-SARAL Portal. - How can I track my application status?
Application status can be tracked on the Antyodaya-SARAL Portal using the required details.