Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders

The Divyangjan Swavalamban Yojana is a self-employment lending scheme operated by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a Government of Haryana body. Its aim is practical: to make business finance reachable for entrepreneurs living with a disability in the state, so a workable plan does not collapse simply because credit is out of reach.

Although the scheme is named for small businesses in the service and trading segment, the activities it can fund stretch well beyond that label. Borrowers can put the money into agriculture and allied activities, artisan and traditional occupations, transport and service businesses, and technical or professional trades and courses.

Support comes as debt rather than a grant. Amounts reach ₹50 lakh, and interest is set somewhere between 5% and 9% per annum depending on the case. There is no closing date — applications are accepted right through the year, and the process runs online.

• Loan of up to ₹50 lakh for self-employment
• Interest of 5% to 9% per annum
• Open to Haryana residents with 40% or more disability
• Rolling scheme — no application deadline
• Covers agriculture, artisan, transport, service and technical trades
• Apply online through the Antyodaya-SARAL Portal

Domicile: Haryana must be your permanent place of residence. The scheme is a state programme and does not extend outside it.

Disability level: a certified disability of at least 40% is required, falling in the OH, VH, HH or MR categories.

Age: applicants should be between 18 and 55 years. For persons with mental retardation, the minimum age is relaxed to above 14 years.

Unique Disability ID (UDID): registration is compulsory where the loan being sought is ₹15 lakh or more.

Parivar Pehchan Patra (PPP ID): every applicant must hold a PPP ID. The online form uses this Family ID to pull up the household's records before you nominate yourself as the beneficiary.

Together these conditions describe an individual applicant who is setting up or expanding their own income-generating activity within Haryana.

Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders is open to startups at any stage. It is open to startups registered anywhere in India.

Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

• Loan size: up to ₹50,00,000 (₹50 lakh) per borrower, offered for self-employment.

• Cost of borrowing: interest falls in the 5% to 9% per annum range, varying with the case.

• Non-dilutive: because the support is a loan, the Nigam takes no stake or shares in your venture — you retain ownership and repay the amount with interest.

• What it can finance: income-generating ventures in agriculture and allied activities, small business and artisan or traditional occupations, the transport and service sectors, and technical or professional trades and courses.

The broader intent is to help persons with disabilities in Haryana earn independently and stand on their own feet through their own enterprise.

Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

Applications are filed online and processed by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.

• Eligibility is verified first — permanent residence in Haryana, the declared disability percentage, the applicant's age, and the mandatory registrations (UDID where the loan size calls for it, plus the PPP ID).

• A selection committee then examines the details supplied with the application against the scheme's guidelines.

• The committee also weighs the viability of the self-employment or small business activity being proposed.

• Final sanction of the loan follows from that overall assessment.

Before you apply to Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.

Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders is best suited for startups in India seeking non-dilutive funding of ₹50L. If that describes your startup, review the eligibility criteria above before applying.