AI SummaryShilp Sampada Term Loan Scheme for Backward Classes is a state-level scheme of Haryana government that offers term loans of up to ₹10,00,000 to artisans and handicraft persons from backward class communities. The scheme helps preserve traditional arts and crafts and trains artisans in modern tools like computers and CAD. Applications are accepted online through the Antyodaya-SARAL portal.
Shilp Sampada Term Loan Scheme for Backward Classes is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCKN). The Nigam gives loans at an interest rate of 6% to 7% per year, with repayment spread over 60 monthly installments. The loan can be used to buy better equipment, expand a craft business, or modernize traditional skills.
Shilp Sampada Term Loan Scheme for Backward Classes - Introduction
Shilp Sampada Term Loan Scheme for Backward Classes is made for skilled artisans and craftspeople who want financial support to grow their work. The scheme is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam and provides financial support of up to ₹10,00,000. It is designed to help artisans preserve traditional skills while upgrading them with modern technology such as computers, CAD, and design development.
For example, a traditional weaver from a rural district of Haryana can use this loan to invest in better equipment and reach wider markets. To qualify, the applicant must be a permanent resident of Haryana, belong to a backward class, and be between 18 and 35 years of age. The total annual family income should not cross ₹3,00,000 in both rural and urban areas.
Key Information
| Key Parameter | Details |
|---|---|
| Scheme Name | Shilp Sampada Term Loan Scheme for Backward Classes |
| Beneficiary Level | State |
| Target Audience | Artisans and handicraft persons from backward classes |
| Financial Assistance | Up to ₹10,00,000 |
| Rate of Interest | 6% to 7% per year |
| Repayment | 60 monthly installments |
| Nodal Department | Welfare of Scheduled Caste and Backward Classes Department |
| Implementing Agency | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam |
| Benefit Type | Term Loan |
Benefits
This scheme gives clear advantages to artisans who want to grow in the craft sector. The main benefits are listed below.
- Financial Support: An eligible artisan can get a term loan of up to ₹10,00,000 to fund a traditional art or handicraft business. The interest rate is kept low at 6% to 7% per year.
- Skill Enhancement: The scheme provides training in modern technological tools such as computers, CAD, and design development, which helps artisans stay competitive in the current market.
- Easy Repayment: The loan is repaid in 60 monthly installments, which keeps the payment burden light for small craft businesses.
Eligibility
Applicants should meet the following criteria to get benefit from this scheme.
- The applicant must be a permanent resident of Haryana state.
- The applicant must belong to a backward class category.
- The age of the applicant should be between 18 and 35 years.
- The total annual family income should not exceed ₹3,00,000 in both rural and urban areas.
- The applicant should work as an artisan or handicraft person.
Application Process
Applications are submitted online through the official Antyodaya-SARAL Portal. Follow the steps given below to apply.
STEP 1 - If you are a new user, register on the Registration Page by providing your name, email, mobile number, and password.
STEP 2 - Verify your account using the OTP sent to your mobile or email.
STEP 3 - Log in to the portal using your credentials and go to the 'Apply for Services' section.
STEP 4 - Search for 'Shilp Sampada Term Loan Scheme for Backward Classes' and open the service page.
STEP 5 - Enter your Parivar Pehchan Patra (Family ID) and click 'Click here to Fetch Family Data'.
STEP 6 - Select your name from the displayed family members and verify using the OTP sent to you.
STEP 7 - Fill in all required information and upload the necessary documents.
STEP 8 - Review your application and click 'Submit'. You can track your status anytime at the Application Status Portal using your reference ID.
Documents
Keep the following documents ready while applying for the scheme.
- Identity Proof: Aadhaar Card.
- Age Proof: Aadhaar Card or birth certificate.
- Resident Proof: Ration Card or Haryana Domicile Certificate.
- Caste Proof: Valid Caste Certificate for backward classes.
- Additional items: A recent photograph of the applicant and bank account details.
References
FAQ's
What are the benefits of the scheme?
Eligible artisans can get a term loan of up to ₹10,00,000 at an interest rate of 6% to 7% per year and gain training in modern technologies like computers and CAD.
Is there an age limit to apply?
Yes, the applicant must be between 18 and 35 years old to be eligible.
Do I need to be a resident of Haryana?
Yes, only permanent residents of Haryana are eligible to apply.
What type of training is provided?
The scheme provides training in modern technological tools, including computers, CAD, and design development, to help artisans upgrade their traditional skills.
What is the income criteria?
The total annual family income should not exceed ₹3,00,000 in both rural and urban areas.
Does this apply to urban residents?
Yes, artisans from both urban and rural areas are eligible provided they meet all other requirements.
How do I apply?
You should apply online through the official Antyodaya-SARAL Portal.
How can I track my application status?
You should use the Antyodaya-SARAL Status Portal and enter your department name, scheme name, and application ID.