Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana)

The Term Loan Scheme — Credit Line 2 for Minority Community is a debt programme backed by the Government of Haryana and delivered through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Its purpose is straightforward: make affordable credit available to people from notified minority communities in the state so they can build an income of their own instead of depending on wage employment alone.

Borrowers can access up to ₹30 lakh per individual, priced at a concessional rate of interest. The money is meant to be put to work — setting up or growing a small business, funding skill development, or financing any other activity that generates income for the applicant. The stated aim of the scheme is to raise the employability of beneficiaries and support their economic upliftment.

The scheme is open on a rolling basis with no fixed closing date, and every application moves through the state's Antyodaya-SARAL portal. A Parivar Pehchan Patra (PPP ID) is compulsory, since the portal uses it to pull the applicant's family record and confirm identity before the file reaches the Kalyan Nigam for appraisal. Because the support is structured as a loan rather than a grant, approved applicants repay the amount at the concessional rate instead of giving up any stake in their venture.

• Up to ₹30 lakh per individual as a term loan
• Charged at a concessional rate of interest
• Open to Muslims, Sikhs, Christians, Buddhists, Parsis and Jains
• Applicants must be permanent residents of Haryana aged 18 to 55
• Parivar Pehchan Patra (PPP ID) is mandatory
• Rolling intake — no fixed deadline, apply through Antyodaya-SARAL

This scheme is aimed at individual applicants, not companies or partnerships. To qualify, you need to meet each of the following:

• Permanent residency in Haryana. Applicants must be domiciled in the state.
• Age between 18 and 55 years at the time of applying.
• Membership of a notified minority community — Muslim, Sikh, Christian, Buddhist, Parsi or Jain.
• Annual family income within the prescribed band. In rural areas the family income must fall between ₹98,001 and ₹8,00,000, while in urban areas it must be between ₹1,20,001 and ₹8,00,000.
• A valid Parivar Pehchan Patra (PPP ID). Without it, the Antyodaya-SARAL application cannot be completed, since the family details are fetched and verified against this ID.

Applications are filed in the name of an individual beneficiary, and the loan supports that person's own self-employment or business activity.

Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana) is open to startups at any stage. It is open to startups registered anywhere in India.

Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana) 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.

The scheme delivers financial support in a single form: a term loan.

• Up to ₹30,00,000 (₹30 lakh) per eligible individual.
• Concessional rate of interest, which makes the borrowing cheaper than what a comparable commercial loan would cost.
• Debt funding, so there is no dilution. The scheme does not take equity or any ownership stake in the venture — the amount is repaid by the borrower.
• Flexible use. The loan is intended for starting or expanding a small business, for skill development, or for other income-generating activities that help the beneficiary earn independently.
• Built around employability. The stated object is to strengthen the earning capacity of minority community members in Haryana and remove the financial barriers that stand in the way of their progress.

Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana) 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.

There is no competitive shortlisting round here — the route is a documentation and eligibility check, handled online from start to finish.

1. Online submission. The applicant registers on the Antyodaya-SARAL portal, logs in, selects the scheme and submits the application form with all mandatory details and the required documents.
2. Family data pull and identity verification. The Parivar Pehchan Patra family ID is entered and the family data is fetched, after which the selected beneficiary is verified through an OTP sent to that family member.
3. Scrutiny of eligibility and documents. The submitted application is reviewed against the scheme's eligibility conditions and the paperwork provided by the applicant.
4. Appraisal by the Kalyan Nigam. The Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam examines the file thoroughly to confirm it complies with every scheme guideline.
5. Approval and disbursement. Once the application clears the review, the loan is sanctioned and the amount is disbursed to the beneficiary.

Applicants can follow the status of their file on the state's tracking portal by entering the department name, the scheme name and the application reference ID.

Before you apply to Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana), 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.

Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana) is best suited for startups in India seeking non-dilutive funding of ₹30L. If that describes your startup, review the eligibility criteria above before applying.