The Education Loan Scheme – Credit Line 2 for Minority Communities is a welfare initiative by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It aims to provide financial assistance in the form of education loans to minority students from Haryana to pursue graduate and higher-level professional or technical education in India or abroad. This scheme ensures that financial limitations do not hinder the educational aspirations of students from Muslim, Sikh, Christian, Buddhist, Parsi, and Jain communities.
Highlights of Haryana Minority Loan for Education
-
Scheme Name: Education Loan Scheme – Credit Line 2
-
Launched By: Haryana Backward Classes & EWS Kalyan Nigam
-
Target Group: Minority community students (Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains)
-
Loan Amount: Up to ₹20,00,000 (India) and ₹30,00,000 (Abroad)
-
Interest Rate: 8% for males, 5% for females
-
Mode of Application: Online via Antyodaya-SARAL Portal
-
Minimum Academic Requirement: 50% marks in the qualifying examination
-
Income Limit: ₹8,00,000 per annum (based on “Creamy Layer” definition)
Key Benefits of the Scheme
-
Loan Amount:
-
Up to ₹20,00,000 for professional degree courses in India
-
Up to ₹30,00,000 for higher education abroad
-
-
Interest Rate:
-
8% for male students
-
5% for female students
-
-
Coverage:
-
Includes general, professional, and technical courses approved by recognized bodies like AICTE, UGC, Medical Council, etc.
-
Eligibility Criteria
To apply for this scheme, the applicant must;
-
Be a permanent resident of Haryana
-
Belong to a minority community: Muslim, Sikh, Christian, Buddhist, Parsi, or Jain
-
Be 16 to 32 years old
-
Belong to a family with an annual income:
-
₹98,001 to ₹8,00,000 (Rural)
-
₹1,20,001 to ₹8,00,000 (Urban)
-
-
Have scored at least 50% in the last qualifying exam
-
Have secured admission in a recognized course approved by bodies like AICTE, UGC, MCI, etc.
-
Possess a Parivar Pehchan Patra (PPP ID)
How to Apply – Online Portal
Registration Process
- First, the interested and eligible applicants can visit the Antyodaya-SARAL Portal.
-
Click on “Citizen Login” → “Please Register Here”
-
Enter:
-
Aadhaar Number
-
User Type
-
Parivar Pehchan Patra (PPP ID)
-
-
Click ‘Fetch’ and verify details
-
Complete registration via OTP verification
-
Set a password and log in
Filling Application
-
Log in and select ‘Apply for Services’ → ‘View All Available Services’
-
Search for Education Loan – Credit Line 2
-
Fill the form, upload the required documents
-
Preview and click Submit
-
Confirmation and application number will be sent via email
Tracking Your Application
Use the SARAL portal to track the application with:
-
Department Name
-
Scheme Name
-
Application Reference ID
Essential Documents
-
Aadhaar Card (Identity proof)
-
Age Proof
-
Haryana Domicile Certificate (Resident Proof)
-
Caste/Religion/Community Certificate
-
PPP ID
-
PAN Card
-
Passport-size Photograph
-
Bank Account Details
-
Fee Structure from Institution
-
Admission Proof
-
Previous Qualification Certificate
-
Any other supporting documents
Frequently Asked Questions (FAQs)
Q: Who is eligible under this scheme?
A: Minority students (Muslims, Sikhs, Christians, Buddhists, Parsis, Jains) who are permanent residents of Haryana and meet the income and academic criteria.
Q: What is the “Creamy Layer” income limit?
A: Family income should not exceed ₹8,00,000 annually.
Q: How much can I get for studying in India?
A: Up to ₹20,00,000.
Q: What is the maximum amount for foreign education?
A: Up to ₹30,00,000.
Q: What is the interest rate for girls and boys?
A: 5% for females and 8% for males.
Q: What types of courses are covered?
A: General, professional, and technical courses at the graduate or higher level.
Q: What is the minimum qualifying mark?
A: At least 50% in the previous qualifying exam.
Q: Can this loan be used for both UG and PG courses?
A: Yes, it is available for both graduate and postgraduate levels.
Q: How can I apply for this loan?
A: Apply online through the Antyodaya-SARAL Portal following the steps mentioned above.
