The Shilpi Samridhi Yojana, launched by the Haryana Scheduled Castes Finance and Development Corporation (HSCFDC), is a transformative initiative aimed at economically empowering Scheduled Caste artisans. This scheme provides financial assistance in the form of loans and subsidies to help artisans pursue various income-generating activities, thereby improving their economic status and quality of life. By offering support for projects with a unit cost of up to ₹50,000/-, the scheme ensures that beneficiaries have access to the resources needed to establish or expand their businesses.

Key Highlights of the Scheme

• Loan Amount: Up to ₹50,000/- per project.
• Margin Money: 10% of the project cost to be contributed by the beneficiary.
• Subsidy: 50% of the total project cost, subject to a maximum of ₹10,000/-.
• Purpose: To support Scheduled Caste artisans in undertaking economic development activities such as handicrafts, small-scale manufacturing, or other skill-based ventures.

This scheme is designed to uplift marginalized communities by fostering entrepreneurship and enhancing their livelihood opportunities.

Who Can Apply?

To be eligible for the Shilpi Samridhi Yojana, applicants must fulfill the following criteria:

1. Residency: Must be a permanent resident of Haryana.
2. Category: Belong to the Scheduled Caste (SC) category.
3. Income: The annual family income should not exceed ₹3,00,000/-.
4. Age: Should be between 18 to 45 years.
5. Experience: Adequate knowledge and experience in the proposed activity.
6. No Defaults: Should not be a defaulter of any previous loan from the Corporation or banks.
7. Unique Unit: Should not already own a similar unit or business.

How to Apply?

The application process for the Shilpi Samridhi Yojana is conducted online through the Antyodaya SARAL Portal. Follow these steps to apply;

Stage 1: Registration

1. Visit the SARAL Portal: Go to https://saralharyana.gov.in
2. Register as a New User: In the “SIGN IN HERE” section, click “New user? Register here.”
3. Fill the Registration Form: Provide all mandatory details, including your email ID, mobile number, and create a strong password (minimum 9 characters with one special character, numeric, uppercase, and lowercase letters). Enter the captcha code and submit the form.
4. Verify OTP: An OTP will be sent to your registered email and mobile number. Validate it within 15 minutes to complete registration.

Stage 2: Applying for the Scheme

5. Log In: Use your registered email ID and password to log in to the portal.
6. Apply for Service: In the left pane, click on ‘Apply for Service’ and then select ‘View All Available Services.’
7. Select the Scheme: Choose the Shilpi Samridhi Yojana from the list of available schemes.
8. Fill the Application Form: Provide all required details, agree to the self-declaration, and enter the captcha code before submitting the form.
9. Upload Documents: Attach all mandatory documents, such as Aadhaar Card, Ration Card, and Scheduled Caste Certificate, and save them.
10. Submit Application: Verify all details and click ‘Submit.’ Download and print the generated acknowledgment receipt for future reference.

Track Your Application Status

You can track the status of your application through the following methods;

Through the SARAL Portal

1. Navigate to the Antyodaya-SARAL Haryana Portal.
2. Click on the “Tracking Feature.”
3. Select the department and service from the dropdown menu.
4. Enter your Application Reference ID and check the status.

Through SMS

Send an SMS in the following format to 7738299899:
SARAL<space>Application ID

List of Required Documents

• Aadhaar Card: Proof of identity.
• Ration Card: Proof of family income and SC category.
• Scheduled Caste Certificate: Valid certificate issued by the competent authority.
• Other Documents: Any additional documents specified by the Corporation.

Benefits of the Scheme

• Financial Support: Loans of up to ₹50,000/- for economic development activities.
• Affordable Contribution: Beneficiaries need to contribute only 10% of the project cost as margin money.
• Generous Subsidy: 50% subsidy on the total project cost, capped at ₹10,000/-.
• Skill-Based Opportunities: Encourages artisans to utilize their skills for sustainable income generation.
• Economic Upliftment: Helps improve the socio-economic status of Scheduled Caste families.

Frequently Asked Questions (FAQs)

Q1. What is the purpose of the Shilpi Samridhi Yojana?

The scheme aims to provide financial assistance to Scheduled Caste artisans in Haryana for undertaking income-generating activities, thereby improving their economic status.

Q2. Who is eligible for this scheme?

Permanent residents of Haryana belonging to the Scheduled Caste category, aged between 18 to 45 years, with an annual family income not exceeding ₹3,00,000/-, are eligible.

Q3. What is the maximum loan amount available under this scheme?

The maximum loan amount is ₹50,000/- per project.

Q4. Is there any subsidy available under this scheme?

Yes, beneficiaries receive a subsidy of 50% of the total project cost, subject to a maximum of ₹10,000/-.

Q5. Can I apply for multiple projects under this scheme?

No, the beneficiary should not already own a similar unit or business.

Q6. How can I track my application status?

You can track your application status online through the SARAL Portal or via SMS by sending SARAL<space>Application ID to 7738299899.

Q7. What happens if I fail to repay the loan on time?

Failure to repay the loan may result in penalties or impact your credit score. It is recommended to adhere to the repayment schedule.

Sources and References

• Guidelines issued by the Haryana Scheduled Castes Finance and Development Corporation.
• Official website: https://saralharyana.gov.in/

The Shilpi Samridhi Yojana is a commendable initiative by the Haryana Scheduled Castes Finance and Development Corporation to empower Scheduled Caste artisans and promote economic equality. By providing affordable loans and generous subsidies, the scheme enables artisans to harness their skills and build sustainable livelihoods.