Empower Disabled Young Professionals with Subsidized Loans in Haryana – Apply Now!

Are you a professionally educated, unemployed youth with a disability residing in Haryana? The Subsidy for Disabled Young Professionals scheme, implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, is designed to support your entrepreneurial aspirations. This initiative provides loans of up to ₹25,00,000/- at subsidized interest rates ranging from 4.5% to 8% per annum, enabling you to start or expand your professional ventures. Let’s explore how this transformative scheme can help you achieve financial independence and contribute meaningfully to society.


What is the Subsidy for Disabled Young Professionals Scheme?

The Subsidy for Disabled Young Professionals scheme is a targeted financial assistance program aimed at empowering unemployed, professionally educated youth with disabilities. It offers affordable loans to individuals falling under the categories of Orthopedically Handicapped (OH), Visually Handicapped (VH), Hearing Handicapped (HH), or Mentally Retarded (MR). By providing access to low-interest loans, the scheme ensures that disabled youth can overcome financial barriers and build sustainable livelihoods aligned with their professional qualifications.


Key Benefits of the Scheme

  1. Generous Loan Amount
    • Loans up to ₹25,00,000/- are available to eligible beneficiaries.
  2. Affordable Interest Rates
    • The loan is offered at highly subsidized interest rates ranging from 4.5% to 8% per annum, depending on the category of disability and other factors.
  3. Professional Relevance
    • The proposed business or activity must be directly relevant to the applicant’s professional degree, ensuring the effective utilization of skills and education.
  4. Inclusive Support
    • The scheme focuses exclusively on unemployed, professionally educated youth with disabilities, fostering inclusivity and economic empowerment.
  5. No Collateral for Smaller Loans
    • Loans up to ₹10,00,000/- may not require collateral, reducing the burden on applicants.

Eligibility Criteria

To qualify for the Subsidy for Disabled Young Professionals scheme, 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 disability of 40% or more, certified by a competent authority.
  3. Age Limit :
    • The applicant’s age should be between 18 and 45 years.
  4. Professional Qualification :
    • The applicant must hold a professional degree or diploma from a recognized institution.
  5. Unemployment Status :
    • The scheme is specifically for unemployed, professionally educated youth with disabilities.
  6. Relevance of Activity :
    • The proposed business or venture must align with the applicant’s professional qualification.

How to Apply for the Scheme?

The application process is entirely online through the Antyodaya-SARAL Portal. Follow these steps to apply;

  1. Visit the Official Website :
    Go to the Antyodaya-SARAL Portal: https://saralharyana.gov.in/
  2. Register on the Portal :
    • Click on “New User” under ‘Sign In Here’ and fill in the required details: Name, Email ID, Mobile Number, Password, and State.
    • Verify your mobile number and email ID using the OTP received.
  3. Log In and Apply :
    • Log in using your registered email ID and password.
    • Navigate to ‘Apply for Services’ and select ‘View all Available Services’.
    • Search for the Subsidy for Disabled Young Professionals scheme and click on it to proceed.
  4. Fill Application Form :
    • Fill in all mandatory details and upload the required documents.
    • Preview the application form and submit it.
  5. Track Application Status :
    • Track your application status on the portal by entering your Department Name, Scheme Name, and Application Reference ID.

Necessary Documents for Application

Ensure you have the following documents ready before applying;

  • Identity/Citizenship Proof: Aadhaar Card.
  • Age Proof: Birth Certificate or Aadhaar Card.
  • Residence Proof: Ration Card or Haryana Domicile Certificate.
  • Disability Proof: Disability Certificate (minimum 40% disability).
  • Professional Qualification Proof: Degree or diploma certificate from a recognized institution.
  • Photograph: Recent passport-sized photograph of the applicant.
  • Bank Account Details: First page of the bank passbook.
  • Other Documents: Any additional documents as specified by the authorities.

Frequently Asked Questions (FAQs)

What is the maximum loan amount provided under this scheme?

The maximum loan amount available under this scheme is ₹25,00,000/-.

What are the interest rates for the loans?

The interest rates range from 4.5% to 8% per annum, depending on the category of disability and other factors.

What disabilities are covered under this scheme?

The scheme covers individuals with disabilities such as Orthopedically Handicapped (OH), Visually Handicapped (VH), Hearing Handicapped (HH), and Mentally Retarded (MR).

What is the age limit for applicants?

Applicants must be between 18 and 45 years of age.

What professional qualifications are required to apply?

Applicants must hold a professional degree or diploma from a recognized institution.

How can I apply for this scheme?

Applications must be submitted online through the Antyodaya-SARAL Portal.

Can I track my application status?

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

Is there a minimum disability percentage required?

Yes, the applicant must have a disability of 40% or more to be eligible.

Can applicants from other states apply for this scheme?

No, only permanent residents of Haryana are eligible.


Why Choose the Subsidy for Disabled Young Professionals Scheme?

This scheme is more than just financial assistance—it’s an opportunity for disabled youth to break free from socio-economic barriers and achieve financial independence. By offering affordable loans and supporting professional ventures, the scheme empowers individuals to utilize their education and skills effectively, contributing to both their personal growth and societal progress.

Official Website – Apply Link

Scheme Details & Guidelines

The Disabled Person loan subsidy scheme is a transformative initiative aimed at fostering entrepreneurship and economic empowerment among unemployed, professionally educated youth with disabilities in Haryana. If you’re ready to turn your professional qualifications into a thriving business, this scheme offers the perfect platform to achieve your goals.

Arjan Patel

Arjan Patel is a passionate financial educator and policy researcher with over a decade of experience in rural banking and subsidy-linked credit schemes. As the founder of www.loansubsidy.in, he is committed to simplifying government loan programs and making financial benefits accessible to every citizen. Known for his grassroots insights and clear explanations, Arjan continues to bridge the gap between policy and people through digital outreach and advisory.

Leave a Reply

Your email address will not be published. Required fields are marked *