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Banking,Financial Services and Insurance; Education & Learning

Education Loan Scheme under NSKFDC- Haryana

This scheme offers educational loans of up to ₹10 lakhs for studies within India and up to ₹20 lakhs for studies abroad. These loans are available to eligible students pursuing regular full-time recognized professional/technical courses in India or abroad.

Authority

State/ UT

Region

Haryana

Status

Verified 2026

Updated

March 2026

What you get

Maximum Loan Limit: | - For studies within India: Up to ₹10,00,000/- - For studies abroad: Up to ₹20,00,000/- | Recovery: | - Recovery (Principal & Interest) will commence after 6 months of completion of the course or getting employment, whichever is earlier. The loan will be repaid in 20 quarterly installments in 5 years from the date of first disbursement. | - There would be a tag/maker on the Diploma/Degree of the student indicating his repayment liabilities. | Note: The Educational Loan, shall, however, be restricted to cover the admissible expenses for the remaining years of study on a pro-rata basis. Further, all Educational Loans shall be sanctioned & disbursed on a case-to-case basis.

Who can apply

The applicant should be a permanent resident of Haryana.; The applicant's age should be between 18 and 55 years.; There is no income limit.; The applicant should be Safai Karamchari or his/her dependent.; The loan shall be provided to students for pursuing regular full time recognized professional/technical courses in India or abroad.; The Education loan for a particular student shall be made admissible only once either at Diploma/Graduation or Post Graduation Diploma/Post Graduation level. However, an Educational Loan shall be offered to a student who secures admission in any integrated course of a longer duration covering both levels.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

Who can avail of this educational loan?

The loan is available to Safai Karamcharis or their dependents who are permanent residents of Haryana and are pursuing full-time recognized professional or technical courses in India or abroad.

What is the maximum loan amount available for studies within India?

The maximum loan amount for studies within India is ₹10,00,000/-.

What is the maximum loan amount available for studies abroad?

The maximum loan amount for studies abroad is ₹20,00,000/-.

What expenses are covered under this education loan?

The loan covers admission fees, tuition fees, books, stationery, examination fees, boarding and lodging expenses, insurance premium, travel expenses for studying abroad, caution money, and development funds.

Are there any age limits for applicants?

Yes, applicants should be between 18 and 55 years old.

Is there an income limit for applicants?

No, there is no income limit for applicants.

How is the loan amount disbursed?

The loan amount is disbursed through the state channelizing agencies to the concerned government-recognized educational institutions.

When does the repayment of the loan start?

Repayment starts 6 months after the completion of the course or upon gaining employment, whichever is earlier.

How long is the repayment period?

The loan is to be repaid in 20 quarterly installments over 5 years from the date of the first disbursement.

What is meant by a permanent Safai Karamchari?

A permanent Safai Karamchari is a person engaged in sanitation work, including their dependents.

How to apply for the educational loan?

Eligible applicants can apply online through the official website of HSFDC or the Antyodaya-SARAL Portal.

What is the tag/maker on the diploma/degree of the student?

The tag/maker indicates the student’s repayment liabilities for the loan taken.

Can the loan be availed for part-time courses?

No, the loan is only for regular full-time recognized professional/technical courses.