Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women — Frequently Asked Questions
Answers to the questions founders most often ask about Individual Loaning Scheme — ₹1.5 Lakh Loans & Subsidy for Haryana Women — who qualifies, the funding amount, required documents and how the application works.
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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