The Mahila Adhikarita Yojana is a transformative initiative implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC). This scheme aims to uplift women Safai Karamcharis and their dependent daughters by providing financial assistance for income-generating activities.

Under this program, eligible beneficiaries can avail loans up to ₹2,00,000 for small and petty trade/business ventures such as beauty parlors, boutiques, cosmetic shops, bangle shops, and other entrepreneurial activities. The scheme also includes margin money and subsidies to ensure accessibility and affordability for women below the poverty line.

Key Benefits of the Scheme

• Loan Amount: Up to ₹2,00,000 per beneficiary/unit for income-generating activities.
• Margin Money: 10% of the project cost is provided by the Corporation.
• Subsidy: A subsidy of 50% of the total project cost (capped at ₹10,000) is available for beneficiaries below the poverty line.
• Low-Interest Rates: Affordable interest rates starting at 5% per annum.
• Penal Interest: Penal interest of 4% per annum applies if repayment terms are not adhered to.

Eligibility Criteria

To qualify for the Mahila Adhikarita Yojana, applicants must meet the following criteria:

General Eligibility

• Residency: Must be a permanent resident of Haryana.
• Gender: Only female applicants are eligible.
• Age: Should be between 18 and 55 years.
• Occupation: Must be a woman Safai Karamchari or a dependent daughter of a Safai Karamchari.

Additional Requirements

• Income Limit: There is no income limit for loan eligibility.
• Certification: Applicants must provide a certificate verifying their status as a Safai Karamchari or dependent of a Safai Karamchari, issued by a competent authority (e.g., Gazetted Officer, Municipal Body, Gram Panchayat, etc.).

Loan Details and Financial Assistance

Project Cost Ceiling

• Maximum project cost: ₹2,00,000.

Margin Money

• The Corporation provides 10% of the project cost as margin money.

Subsidy

• Beneficiaries below the poverty line are eligible for a subsidy of 50% of the total project cost, with a maximum subsidy amount of ₹10,000.

Interest and Repayment Terms

• Interest Start Date: From the date of loan disbursement.
• Penalty Start Date: After 30 days of default.
• Principal Recovery: Begins after 120 days of loan disbursement.
• Installment Period: Monthly installments start after 120 days, with a repayment period of 30 days per installment.

How to Apply – Online Process

Applicants can apply for the scheme either through the HSFDC Portal or the Antyodaya-SARAL Portal. Below are the step-by-step instructions for both platforms;

Application via HSFDC Portal

1. Visit the Official Website: Go to the HSFDC Online Portal.
2. Select the Scheme: Choose the scheme under ‘NSKFDC Assisted Scheme.’
3. Register: Click on “Apply for Loan” and fill in your details (name, Aadhaar number, email, mobile number, captcha code).
4. Verify OTP: Enter the OTP received on your mobile and submit.
5. Complete Application: Fill in all required details, upload documents, and submit the form.
6. Login and Final Submission: Log in using your credentials, update any missing information, and click “Final Submit.”
7. Print Application: Save or print your application for future reference.

Application via Antyodaya-SARAL Portal

1. Visit the Portal: Go to the Antyodaya-SARAL Portal.
2. Register as New User: If not already registered, click “New User” and provide your details (name, email ID, mobile number, password, state).
3. Verify OTP: Complete registration by verifying your mobile number and email ID.
4. Login: Use your registered email ID and password to log in.
5. Apply for Services: Click on ‘Apply for Services’ and search for the scheme.
6. Fill and Submit Form: Enter all mandatory details, upload required documents, and submit the application.

Tracking Your Application Status

Once submitted, applicants can track their application progress through the Antyodaya-SARAL Portal.

1. Visit the portal and enter your Department Name, Scheme Name, and Application Reference ID.
2. View real-time updates on the status of your application.

Note: Loan applications are scrutinized and verified by District Managers to confirm the genuineness of beneficiaries. Eligible cases are forwarded to NSKFDC for final sanction.

Necessary Documents

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

• Aadhaar Card: As proof of identity.
• Ration Card: To verify residency and household details.
• Safai Karamchari Certificate: Issued by a competent authority.
• Other Supporting Documents: As specified during the application process.

Frequently Asked Questions (FAQs)

Q.1 Who implements the Mahila Adhikarita Yojana?

The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with NSKFDC.

Q.2 When was HSFDC registered?

HSFDC was registered on January 2, 1971, under the Companies Act, 1956.

Q.3 What is the ownership structure of HSFDC?

HSFDC is a wholly government-owned corporation, with 51% shareholding by the State Government and 49% by the Government of India.

Q.4 What is the maximum loan amount under the scheme?

The maximum loan amount is ₹2,00,000.

Q.5 What types of activities can the loan be used for?

The loan can be used for small and petty trade/business ventures, including beauty parlors, boutiques, cosmetic shops, bangle shops, and other income-generating activities.

Q.6 What is the margin money provided under the scheme?

The Corporation provides 10% of the project cost as margin money.

Q.7 Is there any subsidy provided under the scheme?

Yes, beneficiaries below the poverty line are eligible for a subsidy of 50% of the total project cost, capped at ₹10,000.

Q.8 Who is eligible for the subsidy?

Only beneficiaries below the poverty line are eligible for the subsidy.

Q.9 What defines a permanent Safai Karamchari?

A permanent Safai Karamchari is a person engaged in or employed for sanitation work, including their dependents.

Q.10 How can one apply for the loan?

Applications can be submitted online through the HSFDC Portal or the Antyodaya-SARAL Portal.

Q.11 What happens after the loan application is submitted?

Applications are scrutinized and verified by District Managers. Eligible cases are forwarded to NSKFDC for final sanction.

Conclusion

The Mahila Adhikarita Yojana is a commendable initiative aimed at empowering women Safai Karamcharis and their dependent daughters by providing them with financial support for self-employment opportunities. By offering loans, margin money, and subsidies, the scheme ensures that women from marginalized communities can achieve economic independence and contribute meaningfully to society.

Scheme Details & Guidelines

If you’re a resident of Haryana and meet the eligibility criteria, take advantage of this opportunity to build a brighter future. Apply today through the HSFDC or Antyodaya-SARAL Portal and embark on your journey toward self-reliance!