Haryana Individual Loaning Scheme

Scheme Introduction: A Brief Overview

Haryana Individual Loaning Scheme is a women self-employment and entrepreneurship promotion scheme implemented by Haryana Women Development Corporation (HWDC). The scheme has been introduced to provide financial assistance, subsidy support, and bank-linked loan facilities to eligible women who want to start their own business, self-employment activity, or income-generating project in Haryana. Through this scheme, women from economically weaker families can access financial resources for establishing small businesses and becoming financially independent.

Under the Haryana Individual Loan Scheme, eligible women can obtain assistance for economically viable projects with a maximum project cost of Rs 1.50 lakh. The scheme encourages women entrepreneurship by combining beneficiary contribution, government subsidy, and loans from commercial or nationalised banks. Women can use the financial assistance for various self-employment activities such as tailoring units, beauty parlours, boutiques, dairy farming, handicraft businesses, retail shops, food processing units, service enterprises, and other livelihood-generating ventures.

The primary objective of the Haryana Individual Loaning Scheme is to promote women empowerment, generate sustainable livelihood opportunities, and improve the socio-economic status of women belonging to low-income households. The scheme particularly focuses on helping women become self-reliant by reducing financial barriers that often prevent them from starting their own business. To ensure that assistance reaches deserving beneficiaries, the scheme is available only for women whose annual family income does not exceed Rs 1.50 lakh and whose spouse or parents are not income tax payees.

Eligible applicants are required to contribute only 10% of the project cost, while the remaining amount is financed through bank loans and government subsidy. Scheduled Caste (SC) women beneficiaries receive enhanced subsidy benefits under the scheme. The application process is available through the Antyodaya-SARAL Portal and designated service centres across Haryana. The Haryana Individual Loaning Scheme serves as an important initiative for women business loans in Haryana, women entrepreneurship development, self-employment assistance, and financial inclusion of women in the state.

Scheme Benefits

• Provides financial assistance to eligible women for starting their own business or self-employment venture.
• Offers bank-linked loans for economically viable income-generating projects.
• Provides government subsidy support to reduce the financial burden on beneficiaries.
• General category women can avail subsidy benefits under the scheme as per prescribed norms.
• Scheduled Caste (SC) women are eligible for higher subsidy assistance.
• Promotes women entrepreneurship and self-employment in Haryana.
• Helps women become financially independent and self-reliant.
• Supports the establishment of small businesses, service units, and livelihood activities.
• Improves income generation opportunities for women from low-income families.

Loan Amount, Subsidy and Financial Assistance

• Women can get financial assistance for self-employment projects costing up to Rs 1.50 lakh under the Haryana Individual Loaning Scheme.
• The beneficiary is required to contribute 10% of the total project cost.
• Women belonging to the General and Other Categories can get a subsidy of 25% of the project cost, up to a maximum of Rs 10,000.
• Scheduled Caste (SC) women can get a subsidy of 25% of the project cost, up to a maximum of Rs 25,000.
• The remaining project cost is covered through a loan from a commercial or nationalised bank.

Eligibility Requirements

• The applicant must be a woman.
• The applicant should be a resident of Haryana.
• The proposed project cost should not exceed Rs 1,50,000.
• The annual family income should be less than Rs 1,50,000.
• The applicant's spouse or parents should not be income tax payees.
• The applicant should intend to start or operate an economically viable self-employment project.
• The applicant should fulfil any additional conditions prescribed by Haryana Women Development Corporation or the financing bank.

Required Documents

• Parivar Pehchan Patra (PPP) Number / Family ID.
• Residence Proof.
• Ration Card or Parivar Pehchan Patra (PPP).
• Affidavit regarding annual family income.
• Caste Certificate (if applicable).
• Passport-size photograph.
• Aadhaar Card.
• Bank account details.
• Project proposal or business-related information, if required.
• Any other document required by the competent authority.

Steps to Apply

Eligible women can apply for the Haryana Individual Loan Scheme either online through the Antyodaya-SARAL Haryana Portal or by visiting the nearest Antyodaya Saral Kendra or Common Service Centre (CSC). Applicants should keep all required documents ready before starting the application process.

Through the SARAL Haryana Portal

• Visit the official Antyodaya-SARAL Haryana Portal.
• Log in using your registered credentials. New users must complete the registration process first.
• Search for the Haryana Individual Loaning Scheme in the list of available services.
• Fill out the online application form with the required personal, family income, and project details.
• Upload the necessary documents in the prescribed format.
• Review the application form carefully and submit it online.
• Save or print the application reference number for future use.
• The concerned department will verify the application and process it according to the scheme guidelines.

Through Saral Kendra or CSC Centre

• Visit the nearest Antyodaya Saral Kendra or Common Service Centre (CSC) in Haryana.
• Carry all the required documents, including Parivar Pehchan Patra (PPP), residence proof, income affidavit, and other supporting documents.
• Provide the required information to the service centre operator.
• The operator will fill out and submit the application through the Antyodaya-SARAL Portal on your behalf.
• Pay the applicable service charge for application submission.
• Collect the application acknowledgement or reference number after successful submission.
• Use the reference number to track the application status online.

Relevant Links

• Haryana Individual Loaning Scheme Online Application
• Haryana Individual Loaning Scheme Details
• Antyodaya-SARAL Portal
• Haryana Women Development Corporation (HWDC)

Contact Information

• Haryana Women Development Corporation
  • Phone Number: 0172-2564720
  • Email Helpdesk: [email protected], [email protected]
• Saral Haryana
  • Phone Number: 0172-3968400
  • Email Helpdesk: [email protected]