The Jhota Buggi / Camel / Mule Cart Scheme, launched by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC), provides financial assistance and subsidies to Below Poverty Line (BPL) Scheduled Caste families. The scheme supports the purchase of animal-driven carts such as jhota buggies, camel carts, and mule carts, promoting traditional employment and rural mobility solutions for marginalized communities.
Highlights of HSFDC Loan & Subsidy Support
• Scheme Name: Jhota Buggi / Camel / Mule Cart Scheme
• Implementing Body: HSFDC, Haryana
• Beneficiaries: Scheduled Caste (SC) individuals from BPL families
• Project Cost Ceiling: ₹1,50,000/-
• Subsidy: 50% of project cost (Maximum ₹10,000/-)
• Loan Source: Bank Tie-up Scheme with subsidy from HSFDC
• Interest Rate: 4% per annum (with 4% penal interest if delayed)
• Repayment Terms: Moratorium & repayment begins after 180–360 days
• Application Mode: Online and Offline
• Official Website: http://hsfdc.org.in/
Key Benefits of the Scheme
• Financial support to SC individuals from BPL families for buying jhota buggies, camel carts, or mule carts
• Subsidy of 50% of the project cost (up to ₹10,000/-)
• The remaining amount is financed through a bank loan, disbursed directly to the seller
• Low-interest rate of just 4% p.a., making repayment affordable
• Scheme available for both urban and rural residents of Haryana
Loan Recovery Terms
| Loan Amount | Interest | Penal Interest | Interest Starts | Penalty Starts | Principal Recovery | Installments Start | Installment Period |
|---|---|---|---|---|---|---|---|
| Up to ₹1,50,000 | 4% p.a. | 4% p.a. | Same Day | After 180 Days | After 360 Days | After 180 Days | 180 Days |
Eligibility Criteria
• Resident of Haryana
• Must belong to the Scheduled Caste category
• Must be from a Below Poverty Line (BPL) family
• Annual family income should not exceed ₹1,80,000
• Name must appear in the official BPL Survey List
• Eligibility is verified by HSFDC field staff before forwarding to the bank
How to Apply – Online/ Offline Process
Online Application:
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Visit the HSFDC official website.
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Click on ‘Bank Tie-up Scheme’ and select Jhota Buggi / Camel / Mule Cart Scheme
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Click “Apply for Loan” and register using Aadhaar, mobile, email, and captcha
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Enter OTP, submit, and receive User ID and password
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Fill out the form, upload documents, and click “Submit”
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Log in again → Go to Edit Profile → Add surety and final details → Click “Final Submit”
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Print a copy of the submitted application
Offline Application:
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Visit the nearest HSFDC or Welfare Office in your district
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Collect and fill out the application form
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Attach all documents (self-attested)
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Submit to the official during working hours
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The field officer will verify eligibility and sponsor the case to the bank
Necessary Documents for Application
• Aadhaar Card
• Passport-size photograph
• Ration Card
• Voter ID or other valid ID proof
• Scheduled Caste Certificate
• BPL Card or proof of inclusion in BPL survey
• Proof of Income
• Any additional document as required by HSFDC or the bank
Frequently Asked Questions (FAQs)
Q: Who can apply under this scheme?
Scheduled Caste residents of Haryana from BPL families with an income under ₹1.8 lakh annually.
Q: What is the loan and subsidy structure?
Loan up to ₹1,50,000/- with 50% subsidy, capped at ₹10,000/-.
Q: How is the loan amount disbursed?
Banks disburse the composite loan directly to the seller of the cart or animal asset.
Q: Can urban residents apply?
Yes, the scheme is open to both rural and urban BPL SC families.
Q: What is the interest rate?
Only 4% per annum, with penal interest applicable after 180 days of non-payment.
Q: Is field verification necessary?
Yes, field staff verify applicant details before forwarding the case to the bank.
Q: What is the source of funding?
The scheme is funded jointly by HSFDC and partnering banks under a bank tie-up model.
Sources and References
• HSFDC Official Website
• HSFDC Registration Portal
• Government of Haryana Scheme Guidelines and Circulars
