Saksham Scheme for Backward Classes provides professional loans of up to ₹10,00,000 to young individuals from backward classes in Haryana for setting up clinics, law offices, or engineering units. The scheme is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam and is open for online application through the Antyodaya-SARAL Portal.
Saksham Scheme for Backward Classes - Introduction
Saksham Scheme for Backward Classes is a state-level scheme of the Haryana government that helps young professionals start their own practice. If you are a young professional, this scheme offers financial support of up to ₹10,00,000 to set up independent setups such as doctor's clinics, nursing homes, physiotherapy centers, bio-medical labs, law offices, engineering units, chemist shops, or architect offices.
The scheme is meant for young people who are permanent residents of Haryana and belong to the backward class category. By providing the required seed capital, this government effort helps you turn your professional qualifications into a successful self-employment venture.
Applications are accepted online only through the official Antyodaya-SARAL Portal. You need a valid Parivar Pehchan Patra (Family ID) to apply, and the whole process is done in a few simple steps after you register on the portal.
Key Information
| Key | Details |
|---|---|
| Scheme Name | Saksham Scheme for Backward Classes |
| Level | State |
| Beneficiary type | Individual |
| State | Haryana |
| Categories | Banking, Financial Services and Insurance, Business and Entrepreneurship |
| Benefit Type | Financial Loan |
| DBT Scheme | No |
| 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, you can receive financial support for starting your professional practice. The loan amount is fixed as per the purpose of the setup:
| Purpose | Maximum Loan Limit |
| Establishment of Clinics, Labs, Offices, or Units | ₹10,00,000 |
This funding helps you start your professional journey by covering the setup costs for establishments such as nursing homes, engineering units, or chemist shops. The loan is given at a concessional rate so that young professionals can focus on building their practice without a heavy money burden at the start.
Eligibility
To qualify for support under this scheme, you should meet the following criteria:
- Residence: You should be a permanent resident of Haryana.
- Age: Your age should be between 18 and 35 years.
- Category: You must belong to a backward class category.
- Income: Your total annual family income should not exceed ₹3,00,000 in both rural and urban areas.
- Training: You should hold the required professional or academic training relevant to your chosen trade.
For example, if Ramesh is a 25-year-old law graduate from a backward class in Haryana with a family income of ₹2,50,000, he meets the core eligibility requirements for this loan.
Application Process
You should apply online through the Antyodaya-SARAL Portal. Follow these steps to submit your application:
STEP 1 - Visit the official Antyodaya-SARAL Portal and click on the 'New User' option under the sign in section to register.
STEP 2 - Fill in the registration form with your name, email ID, mobile number, password, and state, then click on 'Submit'.
STEP 3 - Verify your email ID and mobile number using the OTP sent to you to complete the registration process.
STEP 4 - Log in to the portal using your registered email ID, password, and captcha.
STEP 5 - Click on 'Apply for Services' and select 'View all Available Services' to search for this scheme.
STEP 6 - Enter your Parivar Pehchan Patra (Family ID) and click to fetch your family data, then verify the applicant using the OTP sent to the selected family member.
STEP 7 - Fill in all the required fields and upload your documents carefully.
STEP 8 - Review your application details and click on 'Submit' to finish.
Tracking Your Application
You can monitor your application progress by visiting the Antyodaya-SARAL Status Portal and entering your department name, scheme name, and application reference ID.
Documents
Keep these documents ready before you start your online application:
- Identity and Citizenship Proof: Aadhaar Card.
- Age Proof: Aadhaar Card.
- Address and Resident Proof: Ration Card or Haryana Domicile Certificate.
- Caste Proof: Valid caste certificate for the reserved category.
- Additional Items: A recent professional photograph of yourself, a copy of your PAN card, and your current bank account details.
References
Visit Official Department Website
FAQ's
What is the maximum loan amount provided under this scheme?
The government provides a maximum loan amount of ₹10,00,000 under this scheme.
What types of professional setups are supported?
The scheme supports various setups, including doctors' clinics, nursing homes, physiotherapy clinics, bio-medical labs, lawyer offices, engineering units, chemist shops, and architect offices.
What is the age limit for applicants?
You should be between 18 and 35 years old to be eligible.
What is the annual income limit?
Your annual family income should not exceed ₹3,00,000.
How can I apply for this scheme?
You should apply online through the official Antyodaya-SARAL Portal.
How do I track my application status?
You can track your application status at the official status portal by entering your department name, scheme name, and application reference ID.
Is professional training mandatory?
Yes, you must hold the necessary professional or academic training required for your specific field of practice.
Can residents from other states apply?
No, this scheme is strictly for permanent residents of Haryana.