To support employability and entrepreneurship among Backward Class communities, the Government of Haryana has introduced the Term Loan Scheme for Backward Classes. This scheme is implemented through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, offering substantial financial assistance at a low-interest rate to eligible individuals.
Under this initiative, applicants can avail of a loan of up to ₹15,00,000 at 6% to 8% annual interest, allowing them to start or expand income-generating activities and achieve financial independence.
Benefits of the Term Loan Scheme
The scheme provides financial assistance in the form of term loans with the following benefits;
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Loan Amount: Up to ₹15,00,000/-
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Interest Rate: Between 6% to 8% annually
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Purpose: To promote self-employment and skill development among Backward Class individuals in Haryana
This affordable credit option helps boost economic opportunities in both rural and urban areas.
Eligibility Criteria
To apply for the Haryana Term Loan Scheme 2025, applicants must fulfill the following conditions;
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Must be a permanent resident of Haryana
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Must belong to a Backward Class as per the state guidelines
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Age should be between 18 to 55 years
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Annual family income must not exceed ₹3,00,000, whether in rural or urban regions
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Must possess a valid Parivar Pehchan Patra (PPP ID)
How to Apply – Online Application Process
All applications must be submitted via the Antyodaya-SARAL Portal, Haryana’s official citizen service platform.
Registration Steps:
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Visit the Antyodaya-SARAL Portal.
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If you’re a new user, click on “New User” under the ‘Sign In Here’ section.
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Fill in mandatory details like Name, Email ID, Mobile Number, Password, and State, then click Submit.
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Verify your mobile number and email ID using the OTP sent.
Application Steps (Login):
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Login using the registered email ID, password, and captcha.
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Click ‘Apply for Services’ and then select ‘View All Available Services’.
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Search for “Term Loan Scheme for Backward Classes”.
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Click to open the application form.
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Enter your Parivar Pehchan Patra (PPP ID) and click “Fetch Family Data”.
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Select the applicant from the list and verify via OTP.
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Fill in all mandatory fields and upload the required documents.
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Preview the application and click Submit to complete the process.
Necessary Documents for Application
Applicants need to upload the following documents;
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Aadhaar Card (Identity/Citizenship Proof)
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Proof of Age
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Domicile/Resident Proof (e.g., Ration Card or Haryana Residence Certificate)
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Caste/Religion Certificate
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Parivar Pehchan Patra (PPP ID)
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Bank Account Details
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Recent Passport-Size Photograph
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Any additional documents required by the portal
Tracking Application Status
Applicants can track their application by visiting the Antyodaya-SARAL Portal and entering;
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Department Name
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Scheme Name
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Application Reference ID
Frequently Asked Questions (FAQs)
Q: What is the maximum loan amount under this scheme?
A: Up to ₹15,00,000 can be availed under the scheme.
Q: What is the applicable interest rate?
A: The loan is available at an interest rate ranging from 6% to 8% annually.
Q: Who can apply for this scheme?
A: Backward Class residents of Haryana aged 18–55 years with annual income up to ₹3 lakh.
Q: Are urban applicants eligible?
A: Yes, both rural and urban residents are eligible under the scheme.
Q: Can someone from another state apply?
A: No, only permanent residents of Haryana are eligible.
Q: What is Parivar Pehchan Patra (PPP)?
A: It is a family ID issued by the Government of Haryana, mandatory for scheme registration.
Q: Where can I apply online?
A: Through the official Antyodaya-SARAL Portal: https://saralharyana.gov.in/
Q: How can I check my application status?
A: By entering your application reference ID on the Antyodaya-SARAL Portal.
