AI SummaryTerm Loan Scheme- Credit Line 2 for Minority Community provides loans of up to ₹30,00,000/- to people from minority communities in Haryana at concessional interest rates. The loan is meant to improve employability and support eligible applicants who want to start or grow their own business.
Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam runs this state scheme on behalf of the Government of Haryana. As of August 2026, applications for the scheme are being accepted online through the official Antyodaya-SARAL portal. Permanent residents of Haryana belonging to Muslim, Sikh, Christian, Buddhist, Parsi, or Jain communities can apply.
Term Loan Scheme- Credit Line 2 for Minority Community - Introduction
The scheme offers financial support to individuals from minority groups so that they can become self-employed or improve their earning capacity. Loans up to ₹30,00,000/- are given at concessional interest rates, which means the interest charge stays lower than regular bank loans. The main aim is to make credit available to people who need it for business purposes.
For example, if Ayesha lives in an urban area of Haryana and meets the income conditions, she can use this support to start her own tailoring shop. The scheme helps people who need a push toward self-reliance by making loan money affordable.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Term Loan Scheme- Credit Line 2 for Minority Community |
| State | Haryana |
| Loan Amount | Up to ₹30,00,000/- |
| Interest Rate | Concessional rate |
| Beneficiary | Individuals from minority communities |
| Main Department | Welfare of Scheduled Caste and Backward Classes Department |
| Department Running the Scheme | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam |
| Application Mode | Online through Antyodaya-SARAL Portal |
| Official Website | saralharyana.gov.in |
Benefits
You can get a loan of up to ₹30,00,000/- at a concessional interest rate under this scheme. The rate is lower than what commercial banks normally charge for term loans, so the repayment burden stays manageable for small businesses. The money can be used to buy machinery, set up a shop, or expand an existing business. The scheme is also helpful for people who want to improve their employability and job skills.
Eligibility
To apply for this support, you should meet the following conditions:
- You should be a permanent resident of Haryana.
- Your age should be between 18 and 55 years at the time of applying.
- You should belong to a notified minority community such as Muslim, Sikh, Christian, Buddhist, Parsi, or Jain.
- You should have a valid Parivar Pehchan Patra (PPP ID).
- Your annual family income should fall within the limits given below.
The income limit depends on whether you live in a rural or urban area:
| Area Type | Income Range |
|---|---|
| Rural | ₹98,001/- to ₹8,00,000/- |
| Urban | ₹1,20,001/- to ₹8,00,000/- |
Application Process
Registration on Antyodaya-SARAL Portal
STEP 1 - Open the official Antyodaya-SARAL Portal and click on the New User link under the sign-in section.
STEP 2 - Fill in your name, email ID, mobile number, password, and state, then click on Submit.
STEP 3 - Verify your mobile number and email ID using the OTP received, and complete the registration process.
How to Apply
STEP 1 - Log in to the official portal using your registered email ID, password, and captcha.
STEP 2 - After login, click on Apply for Services and then View all Available Services.
STEP 3 - Search for Term Loan Scheme- Credit Line 2 for Minority Community and open the service.
STEP 4 - Enter your Parivar Pehchan Patra number (Family ID) and click on Click here to Fetch Family Data.
STEP 5 - Select the applicant name and complete OTP verification for the chosen family member.
STEP 6 - Fill in all required details, upload the required documents, preview the form, and click on Submit.
Tracking Your Application
You can check your application status anytime on the official tracking portal by entering the department name, scheme name, and application reference ID.
Documents
Keep digital copies of these documents ready before starting the application:
- Aadhaar Card for identity proof.
- Proof of age, such as birth certificate or class 10 marksheet.
- Haryana Domicile Certificate for residence proof.
- Proof of caste or religion, such as a minority community certificate.
- Parivar Pehchan Patra (PPP ID).
- Copy of PAN Card.
- Latest passport-size photograph.
- Active bank account details, including a bank passbook copy.
References
Use these official resources for more details and to apply:
- Official Scheme Details
- Official Service Page for Term Loan Scheme- Credit Line 2 for Minority Community
- Antyodaya-SARAL Portal
- National Government Services Portal
FAQ's
What is the maximum loan amount?
You can get a loan of up to ₹30,00,000/- under this scheme at a concessional interest rate.
Which minority communities are eligible?
The scheme covers Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains who are permanent residents of Haryana.
What is the age criteria?
You should be between 18 and 55 years old at the time of applying.
Are there specific income requirements?
Yes. Rural applicants need an annual family income between ₹98,001/- and ₹8,00,000/-, while urban applicants need an income between ₹1,20,001/- and ₹8,00,000/-.
Is a Parivar Pehchan Patra (PPP ID) required?
Yes, you must provide a valid PPP ID to apply for the scheme.
Is the application process online?
Yes, you should apply through the official Antyodaya-SARAL portal at saralharyana.gov.in.
Can I track my application?
Yes, you can track your application status on the official tracking portal at status.saralharyana.nic.in.
Can residents from other states apply?
No, this scheme is only for permanent residents of Haryana.