Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders — Frequently Asked Questions

It is a self-employment loan scheme for persons with disabilities in Haryana, run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Borrowers can draw credit of up to ₹50 lakh to start or grow an income-generating venture of their own.

Up to ₹50,00,000, which is ₹50 lakh. The exact figure sanctioned depends on your proposal, the eligibility checks and the Nigam's assessment of your application.

Your permanent home must be in Haryana, you need a certified disability of at least 40% in one of the OH/VH/HH/MR categories, and you should be aged between 18 and 55 years. For persons with mental retardation the minimum age is above 14 years. You also need a Parivar Pehchan Patra (PPP ID), and UDID registration if you are seeking ₹15 lakh or more.

Interest ranges from 5% to 9% per annum, depending on the case.

No. The scheme runs on a rolling basis, so you can submit an application at any point in the year through the Antyodaya-SARAL Portal.

Yes, for loans of ₹15 lakh and above. The Unique Disability ID issued under the Department of Empowerment of Persons with Disabilities is a mandatory requirement once you cross that loan threshold.

Yes. Holding a PPP ID is part of the basic eligibility, and the online form uses your Family ID to fetch your household's data before you pick your own name as the beneficiary and confirm it with an OTP.

No. The support is structured as a loan carrying a defined rate of interest, which makes it non-dilutive — you keep full ownership of your venture and simply repay what you borrowed along with the interest.

Agriculture and allied activities, small business along with artisan and traditional occupations, transport and service-sector ventures, and technical or professional trades and courses.

Register on the Antyodaya-SARAL Portal by choosing 'New User' under 'Sign In Here' and filling in your name, email ID, mobile number, password and state, then verify both your mobile and email through the OTPs you receive. Log in, go to 'Apply for Services' and then 'View all Available Services', search for the Divyangjan Swavalamban Yojana and open the form. Enter your Parivar Pehchan Patra Family ID, fetch the family data, select your name and authenticate it with the OTP sent to that family member, complete the remaining details, upload the required documents, preview the form and submit. To track progress, return to the same portal and search using the department name, the scheme name and your application reference ID.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders, though having it can strengthen your application and unlock other benefits.

Divyangjan Swavalamban Yojana — ₹50 Lakh Loans for Disabled Founders is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. It is provided as non-dilutive funding.