AI SummaryThe Haryana Scheduled Castes Finance and Development Corporation (HSFDC), together with the National Safai Karamcharis Finance & Development Corporation (NSKFDC), continues to run the Mahila Adhikarita Yojana in 2026. This scheme helps female Safai Karamcharis and their dependent daughters start small businesses by providing loans up to ₹2,00,000 for income-generating activities like beauty parlors, boutiques, cosmetic shops, and bangle shops.
Eligible women can apply through the Antyodaya-SARAL Portal or directly on the HSFDC registration page. The loan comes with a low interest rate of 5% per annum, and beneficiaries below the poverty line can get a subsidy of up to ₹10,000.
Mahila Adhikarita Yojana under NSKFDC - Introduction
Mahila Adhikarita Yojana provides financial support to woman Safai Karamcharis and their dependent daughters who want to set up small-scale trade businesses or various income-generating ventures. Through this scheme, applicants can access a loan of up to ₹2,00,000 to start projects such as beauty parlors, boutiques, cosmetic shops, or bangle shops.
This initiative is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in partnership with the National Safai Karamcharis Finance & Development Corporation (NSKFDC). The HSFDC, a wholly government-owned body established in 1971, operates with a 51% stake held by the State Government and a 49% stake held by the Government of India.
Key Information
| Scheme Name | Mahila Adhikarita Yojana under NSKFDC |
|---|---|
| Level | State |
| Scheme For | Individual |
| Beneficiary State | Haryana |
| Categories | Business & Entrepreneurship, Women and Child |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Welfare of Scheduled Caste & Backward Classes Department |
| Implementing Agency | Haryana Scheduled Castes Finance And Development Corporation |
Benefits
This scheme supports your business goals by providing the following financial assistance:
| Benefit Component | Details |
|---|---|
| Maximum Loan Amount | ₹2,00,000 |
| Margin Money | 10% of project cost |
| Maximum Subsidy Limit | ₹10,000 (only for beneficiaries below poverty line) |
| Subsidy Rate | 50% of project cost |
Interest and Repayment terms:
| Amount (₹) | Interest Rate per Annum | Penal Interest per Annum |
|---|---|---|
| Up to 2,00,000 | 5% | 4% |
Repayment begins after 120 days of loan disbursement with installment payments due every 30 days.
Eligibility
You should meet the following criteria to apply:
- You must be a permanent resident of Haryana.
- You must be a female applicant.
- You should be aged between 18 and 55 years.
- You must be either a woman Safai Karamchari or a dependent daughter of one.
Example: If Sunita is a Safai Karamchari, both she and her daughter (if she is between 18-55) are eligible to apply.
You must provide a valid Safai Karamchari status certificate from an authorized officer, such as a gazetted officer, Municipal Body member, or Gram Panchayat Pradhan.
Application Process
You can apply online through two primary channels:
Apply via HSFDC Website
STEP 1 - Visit the official HSFDC registration page at hscfdc.org.in/appreg and select the scheme under the Bank Tie-up section.
STEP 2 - Click on Apply for Loan to finish your registration using your Aadhaar details and mobile number.
STEP 3 - Once registered, log in to your dashboard, fill in your surety details, and upload the necessary documents.
STEP 4 - Finally, submit your application and keep a printed copy for your records.
Apply via Antyodaya-SARAL Portal
STEP 1 - Register or log in to the Antyodaya-SARAL Portal.
STEP 2 - Navigate to Apply for Services and search for the scheme.
STEP 3 - Fill in the required details, upload your documents, and hit Submit.
District Managers verify all applications before they are processed by the NSKFDC for final loan approval.
Documents
Ensure you have the following documents ready for your application:
- Aadhaar Card
- Ration Card
- Valid Safai Karamchari certificate issued by a competent authority
- Any other proof of identity or business documents as requested during the process
References
Antyodaya-SARAL Portal | Scheme Details
FAQ's
Who implements Mahila Adhikarita Yojana?
This scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) alongside the National Safai Karamcharis Finance & Development Corporation (NSKFDC).
What is the maximum loan amount provided?
You can avail of a maximum loan amount of ₹2,00,000 per beneficiary.
Are there specific activities for which the loan is granted?
Yes, the loan supports income-generating activities such as running a boutique, beauty parlor, cosmetic shop, or bangle shop.
Who qualifies for the subsidy?
A subsidy of 50% of the project cost (maximum ₹10,000) is available specifically for beneficiaries living below the poverty line.
Is there an income limit for applicants?
No, there is no income limit to apply for this loan.
What is the age requirement?
Applicants must be between 18 and 55 years of age.
How is the loan verified?
District Managers scrutinize your application to ensure your identity as a Safai Karamchari before forwarding the file to NSKFDC for sanction.