Term Loan Scheme for Backward Classes

The scheme Term Loan Scheme for Backward Classes is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. Under this scheme, loans of up to ?15,00,000/- are provided at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability. This applies to those with an annual family income of up to ?3,00,000/- in both rural and urban areas. Applicants must be between 18 and 55 years old, permanent residents of Haryana, and belong to the Backward Classes.

Benefits

1. Under the scheme, Nigam provides loans of up to ?15,00,000/- at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability.

Eligibility

1. The applicant should be a permanent resident of Haryana.
2. The applicant should be between 18 and 55 years old.
3. The applicant should belong to the Backward Classes category.
4. The annual family income of the applicant should not exceed ?3,00,000/- in both rural and urban areas.
5. The applicant should have a Parivar Pehchan Patra (PPP ID).

Application Process

Online

Registration Process on Antyodaya-SARAL Portal:

1. The eligible applicant may apply online through the Official Portal- Antyodaya-SARAL Portal.

2. If the applicant is not registered on the portal, he/she gets registered there.

3. For registration, click New User under ‘Sign In Here’ and fill in all the mandatory details i.e. Name, Email ID, Mobile Number, Password & State. Click on ‘Submit’.

4. Verify your mobile number and email ID through the received OTP and complete the registration process.
   Login to apply for the scheme:

5. To avail the benefits of the scheme, visit the Official Antyodaya-SARAL Portal and log in through the email ID used while registering.

6. Enter Password & Captcha and click on ‘Login’.

7. After successful login, click on ‘Apply for Services’ and then ‘View all Available Services’

8. Now, you can search for the scheme and click on the scheme to go ahead and fill out the application form.

9. Enter your Parivar Pehchan Patra number - Family ID and click on Click here to Fetch Family Data which displays the family members registered under the given Family ID.

10. Select the beneficiary/applicant name and enter the OTP that is being sent to the selected family member for verification. Click on Click to Verify

11. Fill in all the mandatory details and upload all the mandatory documents.

12. Preview the application form and click on ‘Submit’.
    Tracking of Application:

    Applicants can track their applications through the Official Antyodaya-SARAL Portal by entering their Department Name, Scheme Name, and Application Reference ID.

    Documents Required

    1. Identity/Citizenship proof i.e. Aadhaar Card
    2. Proof of age
    3. Resident Proof/Address Proof/Ownership Proof i.e. Haryana Domicile Certificate/Ration Card
    4. Caste/Religion Proof
    5. Parivar Pehchan Patra (PPP ID)
    6. Passport-size photograph of the applicant
    7. Bank account details
    8. Any other documents as required