Saksham Scheme for Backward Classes 2026
Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam provides loans up to ₹30 Lakhs at a Read More... low interest rate to minority community members to boost their job skills and earning potential. Read less
Details
Looking to boost your career or start a new venture? The Haryana government, through its Backward Classes and Economically Weaker Sections Kalyan Nigam, has a special scheme to help individuals from minority communities enhance their employability. The 'Term Loan Scheme - Credit Line 2 for Minority Community' offers financial assistance in the form of loans at attractive interest rates.
What Is This Scheme?
This scheme is designed to provide financial support to individuals from minority communities in Haryana. It offers loans of up to ₹30,00,000/- at a concessional interest rate. The main goal is to help people improve their skills, enhance their employability, and thus increase their earning capacity.
Who Can Benefit From This Scheme?
The scheme is specifically for permanent residents of Haryana who belong to minority communities. These include Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. There are also income criteria based on whether you live in a rural or urban area.
Why This Scheme Is Important
In today's competitive world, acquiring new skills and enhancing employability is crucial. This scheme aims to bridge the financial gap for minority community members, ensuring they have access to funds for education, training, or business ventures that can lead to better job opportunities and economic growth.
Objective
Benefits
- Under the scheme, loans of up to ₹10,00,000/- are provided to young professionals for setting up Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops, Architect Offices, etc.
Sources and references
Eligibility Criteria
- You must be a permanent resident of Haryana.
- Your age should be between 18 and 55 years.
- Your annual family income must be between ₹98,001/- and ₹8,00,000/- if you live in a rural area.
- If you live in an urban area, your annual family income should be between ₹1,20,001/- and ₹8,00,000/-.
- You must belong to one of the notified minority communities: Muslims, Sikhs, Christians, Buddhists, Parsis, or Jains.
- You must have a valid Parivar Pehchan Patra (PPP ID).
How To Apply
Eligible candidates can apply for this loan scheme exclusively online. The application process is managed through the Antyodaya-SARAL Portal. You can access the portal and submit your application via the following link:
Make sure you have all the required documents ready before you start the online application.
Documents Required
- Identity Proof / Citizenship Proof (like Aadhaar Card)
- Proof of Age
- Resident Proof / Address Proof / Ownership Proof (like Haryana Domicile Certificate)
- Caste / Religion Proof
- Parivar Pehchan Patra (PPP ID)
- Copy of PAN Card
- A recent passport-size photograph of the applicant
- Bank account details
- Any other documents as may be required by the Nigam
FAQ’s
Who can apply for this loan scheme?
This scheme is for permanent residents of Haryana who belong to minority communities like Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. Your age should be between 18 and 55 years, and your family income must fall within specific limits for rural and urban areas. You also need a Parivar Pehchan Patra (PPP ID).
What is the maximum loan amount available?
You can apply for a loan of up to ₹30,00,000/- under this scheme. This financial assistance is provided at a concessional interest rate to help you enhance your employability.
Can I apply if I am not a resident of Haryana?
No, this scheme is exclusively for individuals who are permanent residents of Haryana. Non-residents are not eligible to apply.
What are the income requirements for rural applicants?
If you are applying from a rural area in Haryana, your annual family income should be between ₹98,001/- and ₹8,00,000/- to be eligible for this scheme.
What if I live in a city? What are the income limits for urban applicants?
For applicants residing in urban areas, the annual family income should be between ₹1,20,001/- and ₹8,00,000/- to meet the eligibility criteria for this loan scheme.
Is it compulsory to have a Parivar Pehchan Patra (PPP ID) to apply?
Yes, it is mandatory. All applicants must possess and provide their Parivar Pehchan Patra (PPP ID) as part of the application process.
Which religious groups are considered minority communities for this scheme?
The scheme specifically includes individuals from Muslim, Sikh, Christian, Buddhist, Parsi, and Jain communities as eligible minority groups.
How do I submit my application for this loan?
The application must be submitted online. You can do this through the official Antyodaya-SARAL Portal. The link for submission is https://saralharyana.gov.in/.
Can I track the status of my loan application?
Yes, you can track your application status. Visit the official Antyodaya-SARAL Portal and use their status tracking facility at https://status.saralharyana.nic.in/.
What is the age range for applicants?
The scheme is open to individuals aged between 18 and 55 years. If you fall within this age bracket and meet other criteria, you can apply.
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