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Banking,Financial Services and Insurance; Business & Entrepreneurship

Term Loan Scheme- Credit Line 1 for Minority Community

The scheme is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under this scheme, loans of up to ₹20,00,000/- are provided at a concessional interest rate to individuals from minority communities to enhance their employability.

Authority

State/ UT

Region

Haryana

Status

Verified 2026

Updated

March 2026

What you get

- Under the scheme, Nigam provides loans of up to ₹20,00,000/- at a concessional interest rate to individuals from minority communities to enhance their employability.

Who can apply

The applicant should be a permanent resident of Haryana.; The age of the applicant should be between 18 and 55 years.; The annual family income of the applicant should not exceed ₹98,000/- (Rural Area) and ₹1,20,000/- (Urban Area).; The applicant should belong to a minority community, i.e., Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.; The applicant should have a Parivar Pehchan Patra (PPP ID).

Required Paperwork

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

Common Questions

What are the minority communities recognized under this scheme?

Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.

What is the maximum loan amount available under this scheme?

Loans of up to [?]20,00,000/- are provided under this scheme.

What is the age limit for applicants?

Applicants should be between 18 and 55 years of age.

What is the income eligibility criteria for rural areas?

The annual family income should not exceed [?]98,000/- in rural areas.

What is the income eligibility criteria for urban areas?

The annual family income should not exceed [?]1,20,000/- in urban areas.

Do applicants need to be permanent residents of Haryana?

Yes, applicants must be permanent residents of Haryana.

How can one apply for this loan?

Eligible applicants can apply online through the Antyodaya-SARAL Portal (https://saralharyana.gov.in/).

Can applications be tracked online?

Yes, applicants can track their applications through the Antyodaya-SARAL Portal (https://status.saralharyana.nic.in/) by entering the Department Name, Scheme Name, and Application Reference ID.