AI SummaryMicro Credit Finance under NSKFDC offers affordable financial support to Safai Karamcharis and their dependents in Haryana. This scheme provides loans up to ₹1,00,000 to help start or grow a small business or income-generating activity, supporting economic independence for sanitation workers and their families.
Antyodaya-SARAL portal of Haryana government keeps the online application open for this scheme, and eligible residents can apply through the official portal. The scheme continues to run in the 2026-27 period under the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) with support from the National Safai Karamcharis Finance & Development Corporation (NSKFDC).
Micro Credit Finance under NSKFDC - Introduction
Micro Credit Finance under NSKFDC is a dedicated scheme made to help Safai Karamcharis and their dependents by providing the financial bridge needed to start a small enterprise. Anyone looking to begin a small trade or a sustainable business can use this scheme to secure funding of up to ₹1,00,000 per beneficiary.
This scheme is run by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in partnership with the National Safai Karamcharis Finance & Development Corporation (NSKFDC). HSFDC is a government-owned corporation established in 1971, and it makes sure that residents engaged in sanitation work get the required support to boost their household income.
Whether someone wants to open a small grocery shop or start a local service business, this scheme provides the capital needed. A person is eligible if the age is between 18 and 55 years. A permanent Safai Karamchari is anyone actively doing sanitation-related work, and this also covers dependents who may seek support to build a better future.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Micro Credit Finance under NSKFDC |
| Level | State |
| Target Beneficiaries | Individual |
| Beneficiary State | Haryana |
| Category | Banking, Financial Services and Insurance, Business & Entrepreneurship |
| Loan Ceiling | Up to ₹1,00,000 |
| Nodal Department | Welfare of Scheduled Caste & Backward Classes Department |
| Implementing Agency | Haryana Scheduled Castes Finance And Development Corporation |
Benefits
This scheme focuses on making entrepreneurship easy to access for Safai Karamcharis. By providing affordable credit, it helps reduce the burden of starting a small business.
Financial Support Details:
| Component | Benefit |
|---|---|
| Maximum Project Cost | Up to ₹1,00,000 |
| Margin Money | 10% of project cost |
| Subsidy | 50% of project cost (Max ₹10,000) |
The subsidy is available specifically for beneficiaries living below the poverty line.
| Loan Amount | Interest Rate (p.a.) | Penal Interest |
|---|---|---|
| Up to ₹1,00,000 | 5% | 4% |
Repayment is structured to give some breathing room. Principal recovery and installments typically start 120 days after the loan is sanctioned, which gives time to get the business up and running.
Eligibility
The following criteria should be met to apply for this financial support:
- The applicant should be a permanent resident of Haryana.
- The age should be between 18 and 55 years.
- There is no specific income limit, which makes this scheme easy to access for many households.
- The applicant should be a Safai Karamchari or a dependent of one.
Important Verification: A certificate confirming the status of Safai Karamchari or dependent is required. This document can be issued by authorized personnel such as heads of government departments (for example schools, health or forest departments), elected members of a Municipal Body, or the Pradhan of a Gram Panchayat.
Application Process
The application can be submitted online through the Antyodaya-SARAL portal of Haryana government. Digital documents should be ready before starting the process.
STEP 1 - Visit the official Antyodaya-SARAL Portal and click on the New User link if you are a first time applicant.
STEP 2 - Register using basic details and verify the identity through the OTP sent to the registered mobile number.
STEP 3 - Log in to the dashboard and search for the Micro Credit Finance scheme under View all Available Services.
STEP 4 - Fill in the required fields, upload the required documents, and submit the form.
STEP 5 - Track the application status using the application reference ID given after submission.
Once the application is submitted, a District Manager will check and verify the details to confirm authenticity. If the application is eligible, it is forwarded to NSKFDC for final sanction.
Documents
Keep the following documents ready to complete the application:
- Aadhaar Card for identity verification.
- Ration Card as proof of residence and household details.
- Safai Karamchari Certificate or dependency certificate signed by the competent authority.
- Any additional documents as may be asked during the application process.
References
FAQ's
Who implements this finance scheme?
The scheme is run by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).
When was the HSFDC established?
HSFDC was established on January 2, 1971.
Who is eligible for the loan?
Permanent residents of Haryana aged 18 to 55 who are Safai Karamcharis or their dependents are eligible.
What is the maximum loan amount?
A loan of up to ₹1,00,000 per beneficiary can be received.
What activities are covered?
The loan is made to support small trades, local businesses, and various income-generating activities.
Is there a margin money requirement?
Yes, the corporation provides margin money at 10% of the total project cost.
Is there a subsidy available?
Yes, a 50% subsidy on the total project cost (up to a maximum of ₹10,000) is available for those living below the poverty line.
Is there an income limit?
No, there is no income limit for this scheme.
How can I track my application?
The application status can be tracked on the official Antyodaya-SARAL portal by entering the reference ID.