Shilpi Samridhi Yojana — ₹50,000 Loan + Subsidy for Haryana SC Artisans — Frequently Asked Questions

Three things are offered against the same project. There is a loan where the unit cost can go up to ₹50,000, margin money equal to 10% of the project cost, and a subsidy of 50% of the project cost that is capped at ₹10,000. The subsidy and the margin money together reduce how much of the project you have to fund yourself.

You need to be a permanent resident of Haryana and belong to the Scheduled Caste category. Your annual family income must not be more than ₹3,00,000, and your age has to be between 18 and 45 years. The scheme also expects you to have adequate knowledge and experience of the activity you are proposing, and it excludes anyone who has defaulted with the Corporation or a bank, misused an earlier loan from the Corporation, or already owns another similar unit.

It is a debt-based scheme. The core component is a loan, so that portion has to be repaid. The subsidy element — 50% of the project cost, up to ₹10,000 — works in your favour by shrinking the repayment burden, and the margin money covers 10% of the project cost. Nothing here is an equity arrangement, so you do not hand over any stake in your business.

There is no closing date. The scheme is rolling, which means applications are accepted on an ongoing basis, so you can submit whenever your details and documents are ready.

Yes, both apply. An applicant must be in the 18 to 45 years age group, and the family's annual income cannot be more than ₹3,00,000.

The conditions laid down for this scheme revolve around domicile, community, income, age, experience and a clean borrowing record. DPIIT recognition and MSME or Udyam registration are not listed among the requirements.

Applications are submitted online on the Antyodaya SARAL portal at https://saralharyana.gov.in/login.do. Register as a new user, verify your email and mobile number through the OTP, then log in. From there, choose "Apply for Service" and "View All Available Services", pick Shilpi Samridhi Yojana, fill in the form, complete the self-declaration, attach your annexures and submit. Do keep the acknowledgement receipt.

Have an email ID and a mobile number handy, since both need to be verified by OTP — the OTP stays valid for 15 minutes and the email verification link for 48 hours. You will also need to create a password of at least 9 characters containing one special character, one number, one lowercase and one uppercase letter, and to have your mandatory supporting documents ready for upload at the "Attach Annexure" stage.

No. Applicants who have misused a previous loan from the Corporation, who are defaulters of the Corporation or a bank, or who already hold another similar unit do not qualify for the scheme.

Shilpi Samridhi Yojana — ₹50,000 Loan + Subsidy for Haryana SC Artisans is offered by Haryana Scheduled Castes Finance and Development Corporation, a government body. It is provided as non-dilutive funding.