AI SummaryMicro Finance Scheme- Credit Line 1 for Minority Community supports individuals and Self-Help Groups (SHGs) in Haryana by providing small loans of up to ₹1,00,000 to help meet the financial needs of the poorest families. This state-run scheme helps minority communities build small businesses and improve their earnings through an easy online application on the Antyodaya-SARAL portal.
Micro Finance Scheme- Credit Line 1 for Minority Community is a cash loan scheme run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Eligible people can receive a loan of ₹1,00,000 either directly or through their Self-Help Group to start or grow a small livelihood activity. The scheme is open for permanent residents of Haryana belonging to notified minority communities such as Muslim, Sikh, Christian, Buddhist, Parsi, or Jain.
Micro Finance Scheme- Credit Line 1 for Minority Community - Introduction
Micro Finance Scheme- Credit Line 1 for Minority Community works as a useful tool for financial inclusion by giving small loans to those who need them most. The loan amount of ₹1,00,000 is given per beneficiary, either directly or through the Self-Help Group, to support income-generating activities. The main aim is to help the poorest families reach self-sufficiency and take up small business or livelihood work.
The scheme is a state-level scheme for Haryana and is looked after by the Welfare of Scheduled Caste and Backward Classes Department. The implementing agency is the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Eligible applicants can apply online through the Antyodaya-SARAL portal using their Parivar Pehchan Patra (PPP ID).
Key Information
| Key Attribute | Details |
|---|---|
| Scheme Name | Micro Finance Scheme- Credit Line 1 for Minority Community |
| Level | State |
| Beneficiary States | Haryana |
| Category | Banking, Financial Services, Business and Entrepreneurship |
| Target Beneficiaries | Individuals and Self-Help Groups (SHGs) |
| Benefit Type | Cash Loan |
| Nodal Department | Welfare of Scheduled Caste and Backward Classes Department |
| Implementing Agency | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam |
Benefits
Under this scheme, eligible people can get financial support to grow their income. The main benefit is a small loan of ₹1,00,000 per beneficiary, given either directly or through the Self-Help Group, to meet the needs of the poorest among the poor.
- Members of Self-Help Groups can obtain a small loan of ₹1,00,000 to improve their financial standing and support small income-generating activities.
Eligibility
To apply for this support, applicants should meet the following eligibility criteria:
- Applicant should be a permanent resident of Haryana.
- Age should be between 18 and 55 years.
- Total annual family income should not exceed ₹98,000 for rural areas or ₹1,20,000 for urban areas.
- Applicant must belong to an eligible minority community: Muslim, Sikh, Christian, Buddhist, Parsi, or Jain.
- Applicant must have a valid Parivar Pehchan Patra (PPP ID).
- For Self-Help Groups, at least 75% of group members should belong to recognised minority communities. In exceptional cases, groups with 60% minority representation may also qualify.
Application Process
Applicants can apply online through the Antyodaya-SARAL portal. The process is simple and can be completed from home with the required documents ready.
STEP 1 - Visit the official Antyodaya-SARAL Portal. If you are a new user, click on New User under the Sign in section to create your account using your name, email ID, mobile number, password and state. Verify your account with the OTP sent to your phone or email.
STEP 2 - Log in to your account using the email ID used while registering. Enter your password and captcha, then click on Login.
STEP 3 - After login, click on Apply for Services and then View all Available Services. Search for this scheme and open the application form.
STEP 4 - Enter your Parivar Pehchan Patra (Family ID) and click on Click here to Fetch Family Data. Select the beneficiary and verify them using the OTP sent to their mobile. Fill in all mandatory details and upload the required documents.
STEP 5 - Preview the application form and click on Submit. You can track the progress of your application at any time by visiting the official tracking portal using your Application Reference ID.
Documents
Make sure you have the following documents ready before you start your application:
- Aadhaar Card as identity and citizenship proof
- Proof of age
- Haryana Domicile Certificate as address and resident proof
- Proof of caste or minority community status
- Parivar Pehchan Patra (PPP ID)
- Copy of PAN Card
- Recent passport-size photograph
- Active bank account details
References
For more official details, you can visit these links:
Official Scheme Details | Antyodaya-SARAL Portal | Application Tracking Portal
FAQ's
Who can apply for this scheme?
Permanent residents of Haryana who belong to minority communities (Muslim, Sikh, Christian, Buddhist, Parsi, or Jain) can apply.
What is the amount of the loan provided?
Eligible beneficiaries can receive a loan of ₹1,00,000.
What is the age requirement for applicants?
Applicants must be between 18 and 55 years of age to be eligible.
What are the income limits for this scheme?
Family income must be within ₹98,000 annually for rural applicants and ₹1,20,000 annually for urban applicants.
Which minority communities are covered?
The scheme covers Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
How can I apply for the loan?
Applicants can apply online by visiting the Antyodaya-SARAL Portal.
How will I receive the loan funds?
The funds are provided either directly to the beneficiary or through the registered Self-Help Group.
Where can I check my application status?
Applicants can check the status of their application on the official tracking page by using their Application Reference ID.