Saksham Scheme for Backward Classes
By Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
Check your eligibility
Sign up and we'll tell you whether your startup qualifies for this grant.
Quick Answer
Haryana loans of up to ₹10 lakh for young Backward Class professionals setting up clinics, labs, chemist shops, lawyers' offices, engineering units or architect offices.
About this loan
The Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam offers loans of up to ₹10 lakh to young Backward Class professionals in Haryana. The Government of Haryana backs the scheme.
The loan can fund a Doctor's Clinic, Nursing Home, Physiotherapy Clinic, Bio-Medical Lab, Lawyer's Office, Engineering Unit, Chemist Shop or Architect Office. It can cover setup costs, equipment and working capital. It is a loan, so you repay it.
The aim is to help young professionals run their own practice instead of looking for a job.
You must be a permanent resident of Haryana, aged 18 to 35, from the Backward Class category, with annual family income not above ₹3,00,000/-. You also need professional and academic training that fits the establishment you plan to open.
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 ₹10L
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The Saksham Scheme provides significant financial support in the form of loans up to ₹10,00,000/- (₹10 lakh) to eligible young professionals. This capital is specifically earmarked to facilitate the establishment of various professional units such as Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops, and Architect Offices. The loan aims to cover initial setup costs, equipment procurement, and working capital needs, enabling beneficiaries to launch their enterprises successfully. As a debt instrument, the funding is repayable, empowering entrepreneurs to manage their finances responsibly while building sustainable businesses.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications for the Saksham Scheme for Backward Classes are reviewed by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. The process involves an initial screening to ensure all eligibility criteria are met, including age, residency, Backward Class category, and family income. Further assessment will likely involve verifying professional and academic training, and the viability of the proposed establishment. Final selection is based on a comprehensive evaluation of the application details and supporting documents.
Application Process
- 1
Register on Antyodaya-SARAL Portal
Create an account on the official Antyodaya-SARAL Portal if you don't have one.
You - 2
- 3
- 4
- 5
- 6
- 7
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
What kind of businesses can be set up under this scheme?
The scheme supports a wide range of professional establishments including Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops, and Architect Offices.
What is the maximum loan amount I can receive?
Eligible applicants can receive loans of up to ₹10,00,000/- (₹10 lakh) under the Saksham Scheme.
Who is eligible to apply for this scheme?
Applicants must be permanent residents of Haryana, aged between 18 and 35 years, belong to the Backward Class Category, and have an annual family income not exceeding ₹3,00,000/-. Professional and academic training is also required.
How can I apply for the Saksham Scheme?
Applications are submitted online through the Antyodaya-SARAL Portal. You will need to register on the portal first, then log in, search for the scheme, and fill out the application form with your Parivar Pehchan Patra (Family ID) details and mandatory documents.
Is there an age limit for applicants?
Yes, applicants must be between 18 and 35 years old to be eligible for the scheme.
What is the income criterion for this scheme?
Your annual family income from all sources should not exceed ₹3,00,000/- (₹3 lakh) for both rural and urban areas.
