Term Loan Scheme Credit Line 1 for Minority Community — ₹20L — Frequently Asked Questions

It is a loan scheme from the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, operating under the Government of Haryana. It gives individuals from minority communities in the state access to term loans of up to ₹20 lakh on concessional terms, so they can improve their employability and move towards economic independence.

The maximum is ₹20,00,000, that is ₹20 lakh per beneficiary. The amount is offered as a term loan at concessional rates of interest, which keeps the cost of borrowing below what a typical commercial lender would charge.

It is a loan, not a grant, so the money has to be repaid. In return for the funding, the scheme takes no equity and no ownership stake in your venture — the arrangement is purely a debt obligation.

You need to hold permanent residency in Haryana, be between 18 and 55 years old, and belong to one of the minority communities the scheme recognises: Muslims, Sikhs, Christians, Buddhists, Parsis or Jains. Your family income for the year must also stay within the prescribed ceiling, and you must have a Parivar Pehchan Patra.

For rural applicants, family income for the year cannot be more than ₹98,000. For urban applicants, the ceiling is ₹1,20,000. These limits are meant to direct the benefit towards people who genuinely need financial support.

The conditions listed for this scheme do not include DPIIT recognition or MSME registration. What is mandatory is a Parivar Pehchan Patra (PPP ID), which the portal uses to fetch your family record when you apply.

The funds are meant to improve your employability. In practice they can go towards establishing a micro-enterprise, buying equipment or tools, paying for a skill development course, or covering the working capital needed to run a self-employment venture.

No. The scheme runs on a rolling basis and stays open throughout the year, so you can apply whenever your documents and Parivar Pehchan Patra details are ready. There is no batch or application round to wait for.

Applications are made online through the Antyodaya-SARAL portal. New users register first by clicking "New User" under 'Sign In Here' and filling in name, email ID, mobile number, password and state, then verify the mobile number and email ID with the OTPs received. After logging in, go to 'Apply for Services' and then 'View all Available Services', search for the Term Loan Scheme- Credit Line 1 for Minority Community, and open the form. Enter your Parivar Pehchan Patra family ID, fetch the family data, select yourself as the beneficiary and verify through the OTP sent to the selected family member. Fill in the mandatory details, upload the required documents, preview the form carefully and submit.

Yes. You can check progress on the Antyodaya-SARAL portal by entering your Department Name, Scheme Name and Application Reference ID.

Term Loan Scheme Credit Line 1 for Minority Community — ₹20L is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. It is provided as non-dilutive funding.