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

An eligible individual can receive a term loan of up to ₹30,00,000, which is ₹30 lakh. The loan is offered at a concessional rate of interest, and there is no equity or ownership stake taken in return.

You must be a permanent resident of Haryana, be between 18 and 55 years of age, belong to one of the notified minority communities, fall within the prescribed annual family income band and hold a Parivar Pehchan Patra (PPP ID). Applications are made by individuals, and the loan supports that person's own business or self-employment activity.

Six communities are covered: Muslims, Sikhs, Christians, Buddhists, Parsis and Jains.

In rural areas the applicant's annual family income must be between ₹98,001 and ₹8,00,000. In urban areas the band is between ₹1,20,001 and ₹8,00,000.

It is a term loan, not a grant. The amount has to be repaid, though at a concessional rate of interest. Because it is debt funding, the scheme does not take any equity or ownership share in your venture.

No. The scheme runs on a rolling basis and remains open, so applications can be submitted through the Antyodaya-SARAL portal at any time.

Yes. The PPP ID is a mandatory requirement. During the application you enter your family ID, fetch the family data, then pick the beneficiary name and complete verification with an OTP sent to that family member.

Register on the Antyodaya-SARAL portal at saralharyana.gov.in by clicking 'New User' under 'Sign In Here' and filling in your name, email, mobile number, password and state, then verify your mobile number and email through OTP. After logging in, go to 'Apply for Services' and then 'View all Available Services', search for the scheme and open the application form. Enter your Parivar Pehchan Patra family ID, fetch the family data, verify the selected beneficiary via OTP, fill in all mandatory fields, upload the required documents, preview the form and submit it.

Yes. Applications can be tracked on the official status portal at status.saralharyana.nic.in by entering the department name, the scheme name and your application reference ID.

The funding is intended to improve your employability and earning capacity. In practice, beneficiaries use it to start or expand a small business, to pursue skill development, or for other income-generating activities.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Term Loan Scheme Credit Line 2 for Minorities — Up to ₹30L (Haryana), though having it can strengthen your application and unlock other benefits.

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. It is provided as non-dilutive funding.