Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana)
By Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
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Quick Answer
This scheme provides self-employment loans up to ₹50 lakhs for persons with disabilities in Haryana, covering various income-generating activities in agriculture, small business, transport, and service sectors.
About this loan
The scheme "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. Under this scheme, loans up to ₹50 lakhs are provided for self-employment to persons with disabilities (Divyangjan) for establishing or expanding their small businesses in a wide range of income-generating activities. This includes sectors such as Agriculture and Allied Activities, Small Business/Artisan & Traditional Occupations, Transport Sector & Service Sector, and Technical & Professional Trades/Courses. The initiative aims to foster economic independence and self-reliance among persons with disabilities in Haryana by providing accessible financial support for their entrepreneurial ventures.
Eligibility
See if you're eligible
Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Grant providers
Benefits & Funding
- Amount
- Up to ₹50L
- Fund type
- Debt
- Repayment
- Repayable
What You Get
Under this scheme, loans up to ₹50,00,000/- are offered for self-employment to Persons with Disabilities. These loans support a wide range of income-generating activities across sectors such as Agriculture and Allied Activities, Small Business/Artisan & Traditional Occupations, Transport Sector & Service Sector, and Technical & Professional Trades/Courses. Interest rates for these loans range from 5% to 9% per annum, making capital accessible for business ventures and promoting economic independence.
- Disbursement
- Lump Sum
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are submitted online and processed by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Eligibility criteria, including permanent residency in Haryana, disability percentage, age, and mandatory ID registrations (UDID, PPP ID), are rigorously verified. The selection committee will evaluate the applications based on the provided details to ensure adherence to scheme guidelines and the viability of the proposed self-employment or small business activity. Final loan sanction is based on this comprehensive assessment.
Application Process
- 1
Register on Antyodaya-SARAL Portal
Create an account on the Antyodaya-SARAL Portal if you are a new user, verifying details via OTP.
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How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 3
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 4
Submit on the official portal
Use the official application link and verify all details before final submission.
- 5
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
Who is eligible for the Divyangjan Swavalamban Yojana?
Permanent residents of Haryana aged between 18 and 55 years (or above 14 for persons with mental retardation) with at least 40% disability are eligible for this scheme.
What is the maximum loan amount available?
Under this scheme, loans up to ₹50 lakhs (₹50,00,000) are provided for self-employment initiatives.
What are the interest rates for these loans?
Loans are provided at different rates of interest, ranging from 5% to 9% per annum.
Is Unique Disability ID (UDID) registration mandatory?
Yes, Unique Disability ID (UDID) registration under the Department of Empowerment of Persons with Disabilities is mandatory for loan amounts of ₹15 lakhs and above.
How do I apply for the scheme?
Applicants can apply online through the Official Antyodaya-SARAL Portal. The process involves registration, logging in, selecting the scheme, entering family ID details, and submitting the application form with all mandatory documents.
What types of businesses are supported?
The scheme supports a wide range of income-generating activities, including Agriculture and Allied Activities, Small Business/Artisan & Traditional Occupations, Transport Sector & Service Sector, and Technical & Professional Trades/Courses.
