Term Loan Scheme- Credit Line 2 for Minority Community
By Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
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Quick Answer
Concessional term loans of up to ₹30 lakh from the Haryana government for permanent Haryana residents from minority communities, to support self-employment and employability.
About this loan
This scheme gives term loans of up to ₹30,00,000 (₹30 lakh) at a concessional interest rate to people from minority communities in Haryana. It is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a body under the Government of Haryana.
The loan can fund a small business, skill development or other income-generating work.
You can apply if you are a permanent resident of Haryana, aged 18 to 55, and belong to the Muslim, Sikh, Christian, Buddhist, Parsi or Jain community. You need a Parivar Pehchan Patra (PPP ID). Annual family income must be between ₹98,001 and ₹8,00,000 in rural areas, or between ₹1,20,001 and ₹8,00,000 in urban areas.
Eligibility
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Grant providers
Benefits & Funding
- Amount
- Up to ₹30L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The scheme provides significant financial assistance in the form of term loans of up to ₹30,000,00/- (₹30 lakh) to individuals belonging to minority communities. These loans are offered at a concessional interest rate, making them affordable and accessible for beneficiaries. The funding is intended to enhance employability, supporting individuals in starting or expanding small businesses, skill development initiatives, or other income-generating activities that contribute to their economic independence and upliftment.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are submitted online and processed based on eligibility criteria and documentation provided by the applicant. The Antyodaya-SARAL Portal facilitates the fetching of family data via the Parivar Pehchan Patra (PPP ID) and verifies the selected beneficiary through an OTP. Subsequent steps involve the submission of mandatory details and required documents. These applications are then thoroughly reviewed and evaluated by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam to ensure compliance with all scheme guidelines before approval and loan disbursement.
Application Process
- 1
Register on Portal
Create an account on the Antyodaya-SARAL Portal by providing personal details and verifying 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
What is the maximum loan amount available under this scheme?
Individuals can receive loans of up to ₹30,00,000/- (₹30 lakh) at a concessional interest rate.
Who is eligible for this loan scheme?
Permanent residents of Haryana aged between 18 and 55 years, belonging to designated minority communities (Muslims, Sikhs, Christians, Buddhists, Parsis, Jains), and with a specified annual family income are eligible. A Parivar Pehchan Patra (PPP ID) is also required.
What are the annual family income criteria?
For rural areas, the annual family income should be between ₹98,001/- and ₹8,00,000/-. For urban areas, it should be between ₹1,20,001/- and ₹8,00,000/-.
How can I apply for the Term Loan Scheme?
Applications are submitted online through the Antyodaya-SARAL Portal (saralharyana.gov.in) after registering on the portal and logging in with your credentials.
Which communities are considered minority communities for this scheme?
Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains are recognized as minority communities under this scheme.
