The NSKFDC Term Loan Scheme 2025 is a welfare initiative jointly implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) and the National Safai Karamcharis Finance & Development Corporation (NSKFDC). This scheme is specially designed to uplift Safai Karamcharis and their dependents by offering financial assistance to start income-generating ventures.
With loans up to ₹15,00,000 at subsidized interest rates, the scheme enables beneficiaries to pursue self-employment in various fields such as vehicle repair, carpentry, beauty parlors, cyber cafes, and more.
Benefits of the NSKFDC Term Loan Scheme
Loan Amount:
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Minimum: ₹10,000
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Maximum: ₹15,00,000 per eligible beneficiary
Interest Rate:
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6% per annum
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Penal interest of 4% applies after a delay of 30 days
Loan Recovery Terms:
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Interest starts: Same day as disbursement
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Penalty starts: After 30 days
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Principal Recovery: Begins after 120 days
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Installment Period: 30 days
Subsidy:
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50% subsidy on project cost (up to ₹10,000), applicable only for Below Poverty Line (BPL) beneficiaries
Margin Money:
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10% of the project cost contributed by HSFDC
Eligibility Criteria
To apply under the NSKFDC Term Loan Scheme in Haryana, the applicant must;
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Be a permanent resident of Haryana
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Be between 18 and 55 years of age
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Be a Safai Karamchari or a dependent of a Safai Karamchari
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Have a valid certificate issued by a competent authority such as:
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Gazetted Officers of schools, health departments, panchayats
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Municipal officers, Pradhan, or Cantonment/ Railway authorities
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Note: There is no income limit for applicants.
Eligible Business Activities
This scheme supports a wide range of small businesses, including;
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Auto repair and spare parts shops
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Leather footwear production
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Electrical or welding workshops
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Beauty parlors and salons
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Grocery and sanitary stores
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Cyber cafes, tent houses, and band parties
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Photography studios, carpentry work
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Ready-made garment shops, and more
How to Apply
Applicants can apply via two official platforms;
1. HSFDC Official Website
Registration Steps:
- Navigate to the HSFDC Official Website
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Go to ‘NSKFDC Assisted Scheme’ and click ‘Apply for Loan’
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Fill in your details and register using OTP verification
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Complete the application form and upload the required documents
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Apply to receive your user ID and password
Login Steps:
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Click on ‘Login’ on the homepage
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Enter credentials and fill/edit the profile
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Upload documents and click ‘Final Submit’
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Print a copy of the application for reference
2. Antyodaya-SARAL Portal
Registration Steps:
- Go to the Antyodaya-SARAL Portal
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Click “New User” and register using email, mobile, and password
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Verify details through OTP
Login & Apply:
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Login to the portal
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Click ‘Apply for Services’ → ‘View All Available Services’
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Search and select “NSKFDC Term Loan Scheme”
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Fill in the form, upload documents, and submit
Tracking Your Application
- Applicants can visit either HSFDC or Antyodaya-SARAL Portal.
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Use Application ID, Department Name, and Scheme Name to track your status.
Necessary Documents for Application
To complete your application, prepare the following documents:
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Aadhaar Card
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Qualification/Experience Certificate (if applicable)
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Project Report (if the loan exceeds ₹1,00,000)
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Ration Card for address proof
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Safai Karamchari or Dependent Certificate
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Valid Driving License (for vehicle loan)
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Any other documents as per official instructions
Frequently Asked Questions (FAQs)
Q: What is the loan limit under this scheme?
A: You can get a loan between ₹10,000 to ₹15,00,000.
Q: Who can apply for this scheme?
A: Safai Karamcharis and their dependents, aged 18 to 55 and residing in Haryana.
Q: Are there any income restrictions?
A: No, the scheme does not have an income limit.
Q: What kind of businesses are supported?
A: Various self-employment activities like workshops, cyber cafes, stores, and more.
Q: How do I apply online?
A: You can apply via the HSFDC Official Website or Antyodaya-SARAL Portal.
Q: Is there a subsidy available?
A: Yes, BPL applicants can get up to ₹10,000 as a subsidy.
