The Term Loan Scheme – Credit Line 1 for Minority Community is a welfare initiative of the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, aimed at enhancing the self-employment and income generation capacity of individuals from minority communities. The scheme provides term loans up to ₹20,00,000/- at concessional interest rates to eligible beneficiaries in Haryana who belong to Muslim, Sikh, Christian, Buddhist, Parsi, and Jain communities.
Highlights of Minority Term Loan in Haryana
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Scheme Name: Term Loan Scheme – Credit Line 1
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Implementing Body: Haryana Backward Classes & EWS Kalyan Nigam
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Loan Amount: Up to ₹20,00,000/-
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Interest Rate: Concessional (rate specified at time of sanction)
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Eligibility: Minority communities with income below ₹98,000 (rural) / ₹1,20,000 (urban)
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Age Limit: 18 to 55 years
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Application Mode: Online through Antyodaya-SARAL Portal
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Purpose: To support economic development, entrepreneurship, and employability of minorities
Key Benefits of the Scheme
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Loan Amount: Financial assistance of up to ₹20 lakh for setting up businesses or self-employment activities
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Concessional Interest Rate: Lower interest rates help reduce financial burden
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Inclusive Support: Designed exclusively for individuals from minority communities with limited income
Eligibility Criteria
To apply for the scheme, applicants must;
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Be a permanent resident of Haryana
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Belong to a minority community:
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Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains
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Be between 18 and 55 years of age
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Have an annual family income not exceeding:
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₹98,000 in rural areas
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₹1,20,000 in urban areas
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Possess a valid Parivar Pehchan Patra (PPP ID)
How to Apply – Online via SARAL Portal
Step-by-Step Guide:
- First, visit the Official Antyodaya-SARAL Portal.
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Register (if new user):
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Click “New User” under ‘Sign In Here’
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Enter Name, Email, Mobile Number, Password & State
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Submit and complete OTP verification
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Login:
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Use a registered Email ID and Password
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Enter Captcha and click ‘Login’
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Apply for the Scheme:
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Click ‘Apply for Services’ → ‘View All Available Services’
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Search for “Term Loan Scheme – Credit Line 1”
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Click the scheme name to proceed
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Family ID Verification:
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Enter your Parivar Pehchan Patra (Family ID)
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Click “Fetch Family Data”
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Select the applicant’s name and verify the OTP
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Fill Form & Upload Documents:
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Enter required details
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Upload scanned documents
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Preview and submit the application
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Track Application:
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On the SARAL portal, track the status using:
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Department Name
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Scheme Name
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Application Reference ID
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Necessary Documents for Application
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Aadhaar Card (Identity Proof)
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Proof of Age (Aadhaar, Birth Certificate, etc.)
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Haryana Domicile Certificate (Residence Proof)
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Minority Community Certificate / Religion Proof
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Parivar Pehchan Patra (PPP ID)
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PAN Card
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Passport-size Photograph
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Bank Account Details (Passbook/ Cancelled Cheque)
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Any other documents required by the portal
FAQs
Q: What is the maximum loan amount available under this scheme?
A: The scheme offers loans up to ₹20,00,000/-.
Q: Which communities are eligible for this scheme?
A: Individuals from Muslim, Sikh, Christian, Buddhist, Parsi, and Jain communities.
Q: What is the age limit for applicants?
A: Applicants must be between 18 to 55 years old.
Q: What is the income limit in rural and urban areas?
A:
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Rural: Up to ₹98,000/year
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Urban: Up to ₹1,20,000/year
Q: Do applicants need to be permanent residents of Haryana?
A: Yes, only permanent residents of Haryana are eligible.
Q: Can the application be tracked online?
A: Yes, using the portal with Reference ID, Department, and Scheme Name.
