Mahila Samridhi Yojana under NSKFDC- Haryana
By Haryana Scheduled Castes Finance and Development Corporation
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Quick Answer
Women Safai Karamcharis and dependents in Haryana can borrow up to ₹1 lakh at 6% a year over 36 months, with a subsidy of up to 50% of project cost for eligible SC families.
About this loan
The Haryana Scheduled Castes Finance and Development Corporation (HSFDC) runs this loan with the National Safai Karamcharis Finance and Development Corporation (NSKFDC) for Safai Karamcharis (sanitation workers) and their dependents in Haryana. This scheme is for women only. It funds income-generating work such as a kiryana shop, cloth shop, boutique, general store, beauty parlour or readymade garment shop.
You can borrow up to ₹1,00,000 at 6% a year. Interest starts on the disbursement date, and after a 90-day moratorium you repay in instalments over 36 months. The loan is released in two equal instalments: 50% first, then the remaining 50% (including any subsidy). HSFDC's share is up to 10% as margin money. Scheduled Caste applicants whose annual family income verified in the Parivar Pehchan Patra is up to ₹3 lakh can also get a subsidy of up to 50% of the project cost.
There is no income limit for the loan itself: what counts is that you are a Safai Karamchari or a dependent of one, shown by a certificate from an authorised officer. You must be a permanent resident of Haryana aged 18 to 55. Projects above ₹1 lakh need a project report. NSKFDC sanctions the loan.
Eligibility
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Grant providers
Benefits & Funding
- Amount
- Up to ₹1L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
- Loan: up to ₹1,00,000 at 6% a year (4% a year extra if you default).
- Repayment: interest from the disbursement date; a 90-day moratorium, then instalments over 36 months.
- Release: two equal instalments; the second includes any subsidy.
- Margin money: HSFDC's share is up to 10%.
- Subsidy: up to 50% of the project cost, only for Scheduled Caste applicants with PPP-verified annual family income up to ₹3 lakh.
- Security: Projects above ₹1 lakh need a project report.
- Disbursement
- Tranched
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
The District Manager checks each application to confirm the applicant is genuine and eligible. Eligible cases go to HSFDC's head office and then to NSKFDC, which sanctions the loan. HSFDC then releases it in two equal instalments.
Application Process
- 1
Get your certificate
Get a Safai Karamchari or dependent certificate from an authorised officer.
You - 2
- 3
- 4
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.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
Who can apply for the Mahila Samridhi Yojana?
Safai Karamcharis and their dependents (women only) who are permanent residents of Haryana and aged 18 to 55. You need a Safai Karamchari or dependent certificate from an authorised officer. There is no income limit for the loan.
How much can I borrow, and at what interest?
Up to ₹1,00,000 at 6% a year, with 4% a year extra if you default. Interest starts on the disbursement date; after a 90-day moratorium you repay over 36 months.
Is there a subsidy?
Yes, up to 50% of the project cost, but only for Scheduled Caste applicants whose annual family income verified in the Parivar Pehchan Patra is up to ₹3 lakh. You do not need a BPL card.
Do I need a guarantee?
Projects above ₹1 lakh need a project report.
Which documents do I need?
Aadhaar card, your caste certificate, Parivar Pehchan Patra, PAN card, the Safai Karamchari or dependent certificate, and the bank passbook account-details page or a cancelled cheque.
How do I apply?
Apply on Antyodaya SARAL (https://saralharyana.gov.in/), as HSFDC's home page directs. The District Manager verifies your case and NSKFDC sanctions the loan. HSFDC's own portal (https://hscfdc.org.in/appreg) also opens in windows.
