Term Loan Scheme- Credit Line 1 for Minority Community helps people from minority communities in Haryana get affordable loans for employability and small business growth. The scheme offers loans of up to ₹20,00,000 at concessional interest rates through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.
From 01 August 2026, the department has shifted all loan services to the new official portal hbews.org.in. New loan applications are now accepted on this new portal, and you can also apply through the Antyodaya-SARAL portal.
Term Loan Scheme- Credit Line 1 for Minority Community - Introduction
Term Loan Scheme- Credit Line 1 for Minority Community is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It helps residents from minority communities start or grow their business by providing loans of up to ₹20,00,000 at concessional interest rates. With this support, you can improve your livelihood and employability.
To qualify for this support, you should be a permanent resident of Haryana and belong to a minority community such as Muslim, Sikh, Christian, Buddhist, Parsi, or Jain. The scheme looks at your annual family income, which should not exceed ₹98,000 for rural areas or ₹1,20,000 for urban areas. You also need your Parivar Pehchan Patra (PPP ID) ready for the application.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Term Loan Scheme- Credit Line 1 for Minority Community |
| Level | State |
| Beneficiary Type | Individual |
| State | Haryana |
| Implementing Agency | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam |
| Loan Benefit | Up to ₹20,00,000 |
| New Official Portal | hbews.org.in |
| DBT Scheme | No |
Benefits
This scheme provides the following financial support to eligible people from minority communities:
- You can get a loan amount of up to ₹20,00,000 to start or grow your business.
- Loans are offered at concessional interest rates, which makes it easier to manage repayments and invest in your career or business.
Eligibility
To be eligible for this support, you should meet the criteria given below.
Residency and age - You should be a permanent resident of Haryana and between 18 and 55 years of age.
Community and income - You should belong to a minority community, specifically Muslim, Sikh, Christian, Buddhist, Parsi, or Jain. Your annual family income must be within the specified limits of ₹98,000 for rural areas and ₹1,20,000 for urban areas. For example, if Ramesh, a resident of a rural village, has a family income of ₹90,000, he meets the criteria.
PPP ID - You should provide your Parivar Pehchan Patra (PPP ID) during the application process.
Application Process
From 01 August 2026, the department has moved all loan services to the new official portal hbews.org.in. You can also apply through the Antyodaya-SARAL portal. Follow these steps to apply online.
STEP 1 - Visit the new official portal at hbews.org.in or the Antyodaya-SARAL Portal.
STEP 2 - If you are a new user, click on the New User option under the sign-in section and provide your personal details to create an account.
STEP 3 - Verify your account using the OTP sent to your registered mobile number and email.
STEP 4 - Once registered, log in to your account using your credentials.
STEP 5 - Navigate to Apply for Services and select View all Available Services.
STEP 6 - Search for the Term Loan Scheme- Credit Line 1 for Minority Community and open the application form.
STEP 7 - Enter your Parivar Pehchan Patra number to retrieve your family details, select your name, and verify it with the OTP sent to your registered mobile number.
STEP 8 - Upload your documents, review the form, and submit your application.
You can track your application status easily at the Antyodaya-SARAL tracking portal by entering your application reference ID.
Documents
Keep the following documents ready before you start your application:
- Aadhaar Card for identity proof
- Proof of age
- Haryana Domicile Certificate for address and residency proof
- Community or religion certificate
- Parivar Pehchan Patra (PPP ID)
- PAN Card
- Passport-size photograph
- Bank account details
References
View Detailed Scheme Guidelines | New Official Portal | Antyodaya-SARAL Portal
FAQ's
What is the maximum loan amount available under this scheme?
You can receive a loan of up to ₹20,00,000 under this scheme.
Which minority communities are eligible?
This scheme covers Muslim, Sikh, Christian, Buddhist, Parsi, and Jain communities.
What is the age criteria?
You should be between 18 and 55 years old to apply.
Are there specific income requirements?
Yes, your annual family income should not exceed ₹98,000 for rural regions or ₹1,20,000 for urban regions.
Is residency proof required?
Yes, you must be a permanent resident of Haryana to qualify.
Where can I apply after 01 August 2026?
All new loan applications are accepted on the new official portal at hbews.org.in, where the department has shifted all its services from the old portal.
How do I track my application?
You can track your application online via the Antyodaya-SARAL tracking portal by entering your reference number and department details.