Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women
A Government of Haryana scheme giving women subsidised finance for small projects costing up to ₹1,50,000 — a 25% subsidy plus a bank loan, with the applicant contributing only 10%.
- Funding amount
- ₹1 – ₹1.5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Haryana Women Development Corporation, Government of Haryana (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
Administered by the Haryana Women Development Corporation under the Government of Haryana, the Individual Loaning Scheme is a subsidised credit line for women who want to launch or scale a small income-generating activity.
Everything hinges on the project — the venture or self-employment work the applicant plans to take up — and that project must cost no more than ₹1,50,000 in total. Within that ceiling, the Corporation blends a subsidy with bank finance, so the woman herself never has to arrange the whole sum on her own.
The scheme exists for grassroots entrepreneurship. It is built for women who struggle to reach conventional lenders, and its purpose is to make them financially independent while adding to Haryana's economy.
Applications are accepted throughout the year, so there is no closing date to chase.
Highlights
- Subsidised finance for women-led projects costing up to ₹1,50,000
- 25% subsidy on project cost — capped at ₹25,000 for SC applicants and ₹10,000 for other categories
- Applicant contributes just 10% of the project cost
- Balance arranged through commercial and nationalised banks
- Open to Haryana women aged 18–60 with annual income under ₹1,50,000
- No closing date — applications are accepted round the year
Who can apply
This scheme is reserved for women. The funding is channelled through Haryana's own Women Development Corporation, and applicants are expected to be residents of the state.
Age matters: the prospective beneficiary has to be between 18 and 60 years old at the time of applying.
There are two income conditions. Her own annual income must stay below ₹1,50,000, and neither her spouse nor her parents may be income tax payees.
The proposed activity carries its own ceiling as well — the project put forward cannot cost more than ₹1,50,000. Anything above that figure falls outside the scheme.
Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women is open to startups at any stage. It is open to startups registered anywhere in India.
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Deadline & timing
Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women 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.
What the funding covers
Support arrives as a package rather than a single cheque, and the applicant's own outlay stays small.
- Subsidy: 25% of the project cost is granted as a subsidy. The cap differs by category — ₹25,000 for Scheduled Caste applicants, and ₹10,000 for all other categories.
- Loan finance: The remaining amount is arranged through commercial and nationalised banks.
- Applicant's share: The beneficiary contributes only 10% of the project cost.
- Overall ceiling: The project being financed cannot cost more than ₹1,50,000; the scheme's funding range is listed as ₹1 – ₹1.5 lakh.
About the provider
Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women is offered by Haryana Women Development Corporation, Government of Haryana, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.
Documents you’ll need
Before you apply to Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women, 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.
Who this is best for
Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women is best suited for startups in India seeking non-dilutive funding of ₹1 – ₹1.5L. If that describes your startup, review the eligibility criteria above before applying.
Frequently asked questions
How much funding does the Individual Loaning Scheme provide?
The scheme is built around a project with a ceiling of ₹1,50,000, and its funding range is listed as ₹1 to ₹1.5 lakh. Within that limit, a 25% subsidy is combined with a bank loan, so the exact support depends on what your project costs.
Who is eligible to apply for this scheme?
Only women may apply. You must be between 18 and 60 years old, your annual income has to be under ₹1,50,000, and neither your spouse nor your parents should be income tax payees. The activity you propose must be an economically viable project costing no more than ₹1,50,000. The programme is delivered by Haryana's state Women Development Corporation, so applicants are expected to be residents of the state.
How much subsidy will I receive, and does the amount vary by category?
The subsidy works out to 25% of your project cost. The ceiling on it depends on your category — Scheduled Caste applicants can receive up to ₹25,000, while every other category is capped at ₹10,000.
How much of the project cost do I have to fund myself?
Just 10% of the project cost. The rest is covered by the subsidy and by loan finance facilitated through commercial and nationalised banks.
Is this a loan, a grant, or equity funding?
It is a combination of a subsidy and debt. The scheme is classified as debt funding — part of your project cost comes as a subsidy and the balance as a bank loan. No equity is taken in your business, so you do not surrender any ownership.
What is the last date to apply?
There isn't one. The scheme runs on a rolling basis and stays open all year round.
How do I apply online?
Go to the Antyodaya-SARAL Portal and register as a new user with your name, email ID, mobile number and a password, then verify it with the OTP you receive. Log in, open the Scheme/Services list, select the Individual Loaning Scheme, and complete every required field of the application form before submitting it.
Can I apply offline instead?
Yes. Eligible applicants can visit the nearest Atal Seva Kendra with the required documents and submit the application there.
Do I have to be a resident of Haryana?
The eligibility conditions point that way — the scheme is implemented by the Haryana Women Development Corporation, Government of Haryana, for women in the state, which makes it a Haryana-specific programme rather than a national one.
Where can I find the scheme's official page?
The Haryana Women Development Corporation publishes the scheme at https://www.hwdcl.org/revolvingfund.php.
Is DPIIT recognition required for Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women, though having it can strengthen your application and unlock other benefits.
Who offers Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women?
Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women is offered by Haryana Women Development Corporation, Government of Haryana, a government body. It is provided as non-dilutive funding.
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