AI SummaryEducation Loan Scheme for Backward Classes helps students from backward communities in Haryana get affordable loans for professional and technical studies. Managed by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, it offers low-interest financing up to ₹15,00,000 for studies in India and ₹20,00,000 for studies abroad. Applications are being accepted online through the Antyodaya-SARAL portal.
The scheme is open for eligible residents of Haryana. Students who belong to a designated Backward Class and meet the income and academic criteria can apply for this support through the official state portal.
Education Loan Scheme for Backward Classes - Introduction
Education Loan Scheme for Backward Classes is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It provides financial support to students from backward communities who want to pursue professional or technical education at graduate and higher levels. The main aim is to make higher education reachable for students even when money is a problem.
The scheme covers courses approved by recognised bodies such as AICTE, UGC and the Medical Council of India. Students can take up studies either in India or abroad, and the loan amount depends on the place of study. The interest rate is kept low so that the repayment burden stays manageable for the family.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Education Loan Scheme for Backward Classes |
| Level | State |
| Scheme For | Individual |
| Beneficiary State | Haryana |
| Category | Social Welfare & Empowerment, Education & Learning |
| Benefit Type | Cash |
| Nodal Department | Welfare of Scheduled Caste & Backward Classes Department |
Benefits
This scheme offers meaningful financial relief for the education journey of eligible students. The maximum loan amount depends on where the course is being pursued.
| Study Location | Maximum Loan Amount |
|---|---|
| India | ₹15,00,000 |
| Abroad | ₹20,00,000 |
Students also get attractive interest rates on the loan amount:
- For all students, the interest rate is 4% per annum.
- For girl students, the interest rate is 3.5% per annum, a special incentive to encourage education of women.
Eligibility
To apply for this support, applicants need to meet the following conditions:
- Be between 18 and 55 years of age.
- Hold permanent residency in Haryana.
- Have a total annual family income not exceeding ₹3,00,000.
- Belong to a designated Backward Class.
- Maintain at least 50% marks in the previous qualifying examination.
- Possess a valid Pariwar Pehchan Patra (PPP ID).
- Have secured admission into a professional or technical course recognised by bodies like the AICTE, UGC or the Medical Council of India.
Application Process
Online
STEP 1 - Visit the Antyodaya-SARAL Portal and click on "New User/Register Here" to create a profile using email, mobile number and password. Verify the account through the OTP sent to the mobile or email.
STEP 2 - Sign in with the registered credentials. Go to the "Scheme/Services list", select this scheme and click on "Apply for Service/Scheme". Fill in the details accurately and submit the form.
STEP 3 - Track the application status online through the application tracking portal or by sending an SMS to 9954699899. For help, contact the helpline at 0172-3968400 or email saral.haryana@gov.in.
Online via CSC
Applicants can also visit the nearest Atal Seva Kendra with all required documents and apply through the assisted desk. Official government fees are not applicable, although a small service charge of ₹10 is payable at these centers.
Documents
Keep these documents ready to make the application process smooth:
- Aadhar Card for identity and age proof.
- Haryana Domicile Certificate for address and residency verification.
- Caste Certificate for the reserved category.
- A recent passport-sized photograph.
- Pariwar Pehchan Patra (PPP ID).
- Proof of admission and the official fee structure from the institute.
- Certificates of previous academic qualifications.
References
Official Guidelines | Application Portal
FAQ's
What is the objective of this scheme?
The scheme provides low-interest education loans to backward class students for professional and technical courses.
Who is eligible to apply?
Students aged 18 to 55 who are permanent residents of Haryana, belong to the Backward Classes and have a family income under ₹3,00,000 are eligible.
What are the interest rates?
The interest rate is 4% per annum, reduced to 3.5% for girl students.
How can I track my application?
Applicants can track the status through the SARAL portal or by sending an SMS to 9954699899.
Which courses are covered?
Professional and technical courses approved by organisations like the AICTE, UGC or the Medical Council of India are covered.