Haryana PwD Business Premises Loan — Up to ₹3 Lakh — Frequently Asked Questions

Beneficiaries can receive a loan of up to ₹3 lakh. The sanctioned amount goes towards developing business premises, not towards general working capital for the venture.

It is a loan — the scheme is a debt product, so the money is repayable rather than a one-time grant. The published details do not mention the government or the Kalyan Nigam taking any equity stake in the business in return for the funding.

You must be a permanent resident of Haryana and have a certified disability of at least 40%. The minimum age is 18 years, relaxed to 14 years for persons with mental retardation. On top of that, the land where the commercial or business complex will come up must be your own or held on a long-term lease of at least 20 years from a government agency.

Ownership is not the only route, but a short-term rental will not qualify. The business premises have to be developed on land you own or on land leased from a government agency for 20 years or more.

No. The scheme operates on a rolling, always-open basis, so you can apply at any point during the year through the Antyodaya-SARAL Portal.

The funding is for developing business premises — constructing a commercial or business complex, or improving an existing one — so that the beneficiary has a working space for self-employment. Within that purpose, the kind of self-employment you take up is broadly open.

Neither appears among the scheme's listed conditions. Eligibility is built around Haryana domicile, the 40% disability threshold, your age, and the ownership or long-term lease requirement for the land.

Register on the Antyodaya-SARAL Portal with your name, email, mobile number and password, then complete OTP verification for both your mobile and email. After logging in, go to 'Apply for Services', select 'View all Available Services' and search for this scheme. Fill in the application form, upload the required documents, preview it for accuracy and submit.

Once you submit, the portal generates an application reference ID. You can use that ID to check the real-time status of your application on the Antyodaya-SARAL Portal.

The portal requires supporting documents to be uploaded along with the application, although the scheme's published details do not itemise them. Expect to provide evidence for each eligibility condition — proof of Haryana residency, a disability certificate showing at least 40%, age proof, and documents establishing ownership of the land or a government lease of 20 years or more.

Haryana PwD Business Premises Loan — Up to ₹3 Lakh is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. It is provided as non-dilutive funding.