AI SummaryTerm Loan Scheme for Backward Classes helps individuals from backward communities improve their employability by offering financial support. Operated by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, this scheme provides low-interest loans up to ₹15,00,000 for eligible residents of Haryana whose annual family income stays within ₹3,00,000.
Haryana government keeps this scheme open for eligible residents. From 01 August 2026, loan applications are being accepted through the new Kalyan Nigam online portal, while the Antyodaya-SARAL portal continues to support related online services. Eligible people can also look at related support such as Saksham Scheme for Backward Classes.
Term Loan Scheme for Backward Classes - Introduction
Term Loan Scheme for Backward Classes is a supportive scheme managed by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. It provides financial support to start or expand a venture, which in turn improves employability for people from backward communities.
Eligible individuals can get loans up to ₹15,00,000 at an annual interest rate of 6% to 8%. The scheme is open to both rural and urban residents who meet the income limit of up to ₹3,00,000 per year. Applicants should be between 18 and 55 years old and hold permanent residency in Haryana.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Term Loan Scheme for Backward Classes |
| Level | State |
| Beneficiary State | Haryana |
| Category | Banking, Financial Services, Insurance, Business and Entrepreneurship |
| Target Beneficiaries | Individuals from Backward Classes |
| Sub Category | Loan |
| Benefit Type | Cash |
| Maximum Loan | ₹15,00,000 |
| Interest Rate | 6% to 8% per year |
| Main Department | Welfare of Scheduled Caste and Backward Classes Department |
| Implementing Agency | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam |
| Application Mode | Online |
Benefits
This scheme gives eligible people a useful financial push to grow their career or business:
- Loan amount of up to ₹15,00,000 is available to eligible applicants.
- Interest stays low, between 6% to 8% per year, which makes repayments easier while income grows.
Eligibility
Check these points before applying to make sure the application is accepted:
- The applicant should be a permanent resident of Haryana.
- Age should be between 18 and 55 years.
- The applicant must belong to a community recognized under the Backward Classes category.
- Total annual family income should not exceed ₹3,00,000, whether living in a rural or urban area.
- A valid Parivar Pehchan Patra (PPP ID) is required.
Application Process
From 01 August 2026, loan applications are being accepted through the new Kalyan Nigam online portal. The Antyodaya-SARAL portal also lists this service for eligible residents. Follow these steps to apply:
STEP 1 - Visit the official Antyodaya-SARAL portal at saralharyana.gov.in and register as a new user if you do not have an account yet.
STEP 2 - Click on New User under the sign-in section, provide name, email, mobile number, and state, and submit the details.
STEP 3 - Verify the contact information using the OTP sent to the registered mobile number or email.
STEP 4 - Log in to the portal and go to Apply for Services, then select View all Available Services.
STEP 5 - Search for Term Loan Scheme for Backward Classes to open the application form.
STEP 6 - Enter the Parivar Pehchan Patra (Family ID) number and fetch the family data.
STEP 7 - Select the applicant, verify the record with the OTP sent to the family member's registered mobile number, fill in the required details, upload documents, and submit the application.
Tracking Application Status
Track the current status of the application by logging into the Antyodaya-SARAL Status Portal with the reference ID.
Documents
Keep the following documents ready to make the application process smooth:
- Aadhaar Card as proof of identity and citizenship.
- Any official government document as proof of age.
- Haryana Domicile Certificate or Ration Card as residential and address proof.
- Valid Caste Certificate to prove the category.
- Parivar Pehchan Patra (PPP ID).
- Recent passport-size photograph.
- Active bank account details.
References
For further details, visit these official portals:
- Scheme Guidelines and Details
- Antyodaya-SARAL Portal for Online Services
- Antyodaya-SARAL Status Portal
FAQ's
What is the maximum loan amount available under this scheme?
Eligible applicants can receive a maximum loan amount of up to ₹15,00,000.
What interest rate will I have to pay?
The annual interest rate for this scheme is set between 6% and 8%.
Are there specific age requirements to apply?
Yes, the applicant must be between 18 and 55 years old to be eligible.
Can an urban resident apply for this loan?
Yes, the scheme is available to both rural and urban applicants as long as the annual family income remains at or below ₹3,00,000.
Is it mandatory to be a Haryana resident?
Yes, only permanent residents of Haryana are eligible to apply.
Can people from other states apply?
No, this financial support is strictly reserved for permanent residents of Haryana.
Where do I submit my application?
Loan applications are now accepted through the new Kalyan Nigam online portal from 01 August 2026, and the service is also listed on the Antyodaya-SARAL portal at https://saralharyana.gov.in/.
How can I check the status of my application?
Track the application status at https://status.saralharyana.nic.in/ by entering the application reference number.