The Divyangjan Swavalamban Yojana, implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, is a groundbreaking initiative aimed at empowering Persons with Disabilities (PwDs) in Haryana. This scheme provides financial assistance in the form of loans up to ₹50 lakhs for self-employment opportunities across various sectors, including agriculture, small businesses, artisanal trades, transport, technical professions, and service industries. With interest rates ranging from 5% to 9% per annum, this program ensures that individuals with disabilities have access to affordable credit to start or expand their income-generating ventures.

Objective of Haryana PwDs Self-Reliance Scheme

The primary goal of the Divyangjan Swavalamban Yojana is to promote economic empowerment and self-reliance among Persons with Disabilities (PwDs). By offering financial support, the scheme enables beneficiaries to engage in sustainable income-generating activities, thereby improving their quality of life and fostering inclusive development.

Key Benefits of the Scheme

1. Loan Amount: Beneficiaries can avail loans up to ₹50,00,000 for self-employment projects.
2. Interest Rates: Loans are offered at competitive interest rates ranging from 5% to 9% per annum, depending on the category of disability and the nature of the business.
3. Wide Coverage: The scheme supports diverse income-generating activities, including:
   • Agriculture and Allied Activities
   • Small Business/Artisan & Traditional Occupations
   • Transport Sector
   • Service Sector
   • Technical & Professional Trades/Courses

Eligibility Criteria

To qualify for the Divyangjan Swavalamban Yojana, applicants must meet the following conditions:

1. Residency: The applicant must be a permanent resident of Haryana.
2. Disability Percentage: The applicant must have a certified disability of at least 40%.
3. Age Limit:
   • General PwDs: Between 18 and 55 years.
   • Persons with Mental Retardation: Above 14 years.
4. Unique Disability ID (UDID): Mandatory for loan amounts of ₹15 lakhs and above.
5. Parivar Pehchan Patra (PPP ID): Applicants must possess a valid PPP ID.
6. Documentation: Age certificate, disability certificate, and other required proofs must be issued by competent authorities.

Types of Activities Supported

The scheme supports a wide range of income-generating activities, including but not limited to:

• Agriculture and Allied Activities: Dairy farming, poultry, fisheries, horticulture, etc.
• Small Business/Artisan Trades: Retail shops, handicrafts, tailoring, bakery, etc.
• Transport Sector: Auto-rickshaws, taxis, goods carriers, etc.
• Service Sector: Salons, repair shops, tuition centers, etc.
• Technical & Professional Courses: Training programs leading to employment or entrepreneurship.

How to Apply – Online Process

Applications for the Divyangjan Swavalamban Yojana are accepted online through the Antyodaya-SARAL Portal. Below are the steps to apply;

Registration Process:

1. Visit the Official Portal: Go to the Antyodaya-SARAL Portal: https://saralharyana.gov.in/.
2. New User Registration: Click on “New User” under ‘Sign In Here’ and fill in mandatory details such as name, email ID, mobile number, password, and state. Submit the form.
3. OTP Verification: Verify your mobile number and email ID using the OTP received. Complete the registration process.

Login and Application Submission:

1. Log In: Use your registered email ID, password, and captcha code to log in.
2. Apply for Services: Click on ‘Apply for Services’ and then ‘View all Available Services.’
3. Search for the Scheme: Locate the Divyangjan Swavalamban Yojana and click on it to proceed.
4. Enter Family ID: Provide your Parivar Pehchan Patra (PPP ID) number and click on “Click here to Fetch Family Data.” Select the beneficiary’s name from the displayed family members.
5. Verification: Enter the OTP sent to the selected family member for verification.
6. Fill Application Form: Complete all mandatory fields and upload the required documents.
7. Preview and Submit: Review the application form and click on ‘Submit.’

Tracking Application Status:

Applicants can track their application status on the Antyodaya-SARAL Portal by entering the Department Name, Scheme Name, and Application Reference ID.

Necessary Documents for Application

To ensure a smooth application process, prepare the following documents;

1. Identity/Citizenship Proof (e.g., Aadhaar Card).
2. Proof of Age (e.g., age certificate, 10th marksheet).
3. Residency/Address Proof (e.g., Haryana Domicile Certificate).
4. Disability Certificate issued by a competent authority.
5. Passport-size photograph of the applicant.
6. Parivar Pehchan Patra (PPP ID).
7. Bank account details.
8. Any other documents specified by the authorities.

Frequently Asked Questions (FAQs)

Q1. What types of activities does the scheme support?
A1. The scheme supports activities in Agriculture, Small Business, Artisan Trades, Transport, Service Sector, and Technical & Professional Courses.

Q2. What is the maximum loan amount available under this scheme?
A2. The maximum loan amount is ₹50,00,000.

Q3. Who can apply for this scheme?
A3. Permanent residents of Haryana aged between 18 and 55 years (above 14 years for persons with mental retardation) with a disability of at least 40%.

Q4. What are the benefits of the scheme?
A4. The scheme offers loans up to ₹50 lakhs at interest rates ranging from 5% to 9% for self-employment projects.

Q5. Do applicants need any specific registration?
A5. Yes, applicants must have a Parivar Pehchan Patra (PPP ID) and a Unique Disability ID (UDID) for loan amounts of ₹15 lakhs and above.

Q6. Is a Parivar Pehchan Patra (PPP ID) mandatory for the application?
A6. Yes, a valid PPP ID is mandatory for applying under this scheme.

Q7. Can applicants from other states apply for this scheme?
A7. No, the scheme is exclusively for permanent residents of Haryana.

Q8. How can eligible applicants apply?
A8. Applications can be submitted online through the Antyodaya-SARAL Portal.

Q9. How can applicants track their application status?
A9. Applicants can track their status on the Antyodaya-SARAL Portal by entering the Department Name, Scheme Name, and Application Reference ID.

Why Choose This Scheme?

The Divyangjan Swavalamban Yojana is a transformative initiative that empowers Persons with Disabilities by providing them access to affordable credit and supporting their entrepreneurial aspirations. Whether you’re looking to start a small business, venture into agriculture, or pursue technical training, this scheme offers the resources needed to achieve your goals while promoting inclusivity and economic growth.

This loan subsidy is a beacon of hope for Persons with Disabilities in Haryana, enabling them to overcome financial barriers and achieve self-reliance. By offering loans up to ₹50 lakhs at competitive interest rates, the scheme ensures that no one is left behind in the journey toward economic empowerment.

Scheme Details & Guidelines

If you’re a PwD looking to start or expand your business, don’t miss out on this opportunity. Visit the Antyodaya-SARAL Portal today and take the first step toward building a brighter future! For further details, refer to the official guidelines or contact the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.