The “Education Loan for Persons with Disabilities” scheme is an initiative by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It provides financial support to eligible Persons with Disabilities (PwDs) for pursuing professional and technical education in India or abroad. This scheme aims to empower students with disabilities by easing their financial burden through educational loans of up to ₹50 lakhs.
Highlights of the Divyang Loan Scheme in Haryana
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Scheme Name: Education Loan for Persons with Disabilities (PwD)
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Launched By: Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
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Target Beneficiaries: PwDs with 40% or more disability, aged 18–55 (above 14 for mentally retarded)
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Loan Amount: Up to ₹50,00,000/-
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Courses Covered: Professional and technical education (India & abroad)
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Mode of Application: Online via Antyodaya-SARAL Portal
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Eligibility ID Requirements: PPP ID & UDID (for loans above ₹15 lakhs)
Key Benefits
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Loan Amount: Up to ₹50 lakhs
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Coverage: Applicable for both domestic and international education in professional and technical fields
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Financial Inclusion: Special provisions for Orthopedically Handicapped, Visually Handicapped, Hearing Handicapped, and Mentally Retarded individuals
Eligibility Conditions
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Must be a permanent resident of Haryana
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Disability must be more than 40% (OH, VH, HH, MR)
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Age between 18 and 55 years; for mentally retarded, the minimum age is 14 years
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Must have secured admission to a professional/technical course
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UDID registration is mandatory for loan amounts of ₹15 lakhs or more
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Parivar Pehchan Patra (PPP ID) is required
Online Application via Antyodaya-SARAL Portal
Step 1: Registration
- Eligible applicants can visit the official website i.e. https://saralharyana.gov.in
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Click on “New User” under ‘Sign In Here’
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Fill in your Name, Email ID, Mobile Number, Password, and State, then click Submit
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Verify using OTP sent to mobile and email
Step 2: Login & Application
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Login with your email ID and password
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Click on ‘Apply for Services’ → ‘View all Available Services’
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Search and select “Education Loan for Persons with Disabilities”
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Enter PPP ID and fetch family details
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Select the applicant name, verify via OTP, and proceed
Step 3: Fill & Submit Application
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Complete the form with the required details
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Upload all mandatory documents
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Preview and click Submit
Tracking the Application
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Applicants can track their status on the SARAL Portal by entering Department Name, Scheme Name, and Application Reference ID
Essential Documents
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Aadhaar Card (Identity/Citizenship)
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Proof of Age (10th certificate or official age document)
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Haryana Domicile Certificate (Resident Proof)
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Disability Certificate (must show over 40%)
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Parivar Pehchan Patra (PPP ID)
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UDID (if applicable) for loans above ₹15 lakhs
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PAN Card
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Passport-size Photograph
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Admission Letter/Proof
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Course Fee Structure
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Previous Qualification Certificates
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Any other document as specified by the portal or department
Frequently Asked Questions (FAQs)
Q: Who is eligible for this education loan?
Permanent residents of Haryana aged between 18–55 years (14+ for mentally retarded), with over 40% disability and admission in professional/technical courses.
Q: What disabilities are covered?
Orthopedically Handicapped, Visually Handicapped, Hearing Handicapped, and Mentally Retarded.
Q: What is the maximum loan amount available?
Up to ₹50 lakhs for education in India or abroad.
Q: Is the scheme applicable for foreign education?
Yes, it covers both India and abroad.
Q: Is there an age limit for applying?
Yes, 18–55 years for most applicants, and 14+ for those with mental retardation.
Q: Is UDID registration mandatory?
Yes, for loans of ₹15 lakhs and above.
Q: What is PPP ID and why is it needed?
It’s the Parivar Pehchan Patra, a unique family ID for Haryana residents, required for availing of state schemes.
