Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families
HSFDC-backed loan of up to ₹1.5 lakh with a 50% subsidy (max ₹10,000) at 4% interest for Scheduled Caste BPL families in Haryana buying jhota buggi, camel or mule carts.
- Funding amount
- ₹1.5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Haryana Scheduled Castes Finance and Development Corporation (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
Jhota Buggi/Camel/Mule Cart Scheme is a Haryana government programme run by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC). It exists so that Scheduled Caste families living below the poverty line can buy an animal-drawn cart — a jhota buggi, a camel cart or a mule cart — and turn it into a working micro-enterprise for moving goods, farm produce or providing services.
The scheme is designed for households that cannot fund an asset of this kind on their own. An applicant has to live in Haryana, belong to the Scheduled Caste category, come from a Below Poverty Line (BPL) family and have a yearly family income within ₹1,80,000, with the applicant's name appearing in the BPL Survey List. Families in both rural and urban areas of the state are covered.
HSFDC, a corporation wholly owned by the state government, works alongside partner banks to make the purchase affordable. A subsidy is combined with a low-interest loan, the repayment schedule begins only after a moratorium, and the file moves to a bank only once HSFDC's own field staff have confirmed eligibility and genuine need. The outcome is asset ownership that supports self-employment and steadier household earnings.
Highlights
- Project cost ceiling of up to ₹1,50,000 per beneficiary
- Subsidy of 50% of project cost, capped at ₹10,000
- Loan interest of just 4% per annum
- 6-month moratorium (180 days) before installments begin
- Open to Scheduled Caste BPL families across Haryana, rural and urban
- Applications accepted round the year — no closing date
Who can apply
An application is considered only if every condition below is met:
- Domicile: the applicant must be a resident of Haryana.
- Category: the applicant must belong to the Scheduled Caste category.
- Poverty status: the family must be Below Poverty Line (BPL).
- Income: yearly family income must not be more than ₹1,80,000.
- BPL Survey List: the applicant's name must appear on the BPL Survey List.
BPL families in both rural and urban parts of Haryana qualify, and there is no fixed closing date — the scheme runs on a rolling basis.
Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families 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
Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families 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 payment:
- Project cost: the cart asset can be worth up to ₹1,50,000.
- Subsidy: 50% of the project cost, capped at ₹10,000, which directly lowers the amount the beneficiary has to finance.
- Loan: the balance is arranged as a bank loan and is recoverable by HSFDC.
- Interest: 4% per annum on that recoverable loan amount.
- Repayment: a 6-month moratorium (180 days) before installments begin, followed by an installment window of 6 months (180 days), giving a total tenure of 12 months.
The moratorium is intended to give the new cart owner time to start earning from the asset before repayments start.
About the provider
Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families is offered by Haryana Scheduled Castes Finance and Development Corporation, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.
How to apply
Applications are submitted on the . Confirm the current deadline and document checklist there before you start.
Selection process
Each application passes through HSFDC's own scrutiny before a bank is involved:
- Submission: the form is filed online through the HSFDC portal, or handed over at a credit camp, Open Darbar or similar event.
- Field verification: HSFDC field personnel go through the details submitted and check them against the scheme's conditions — residency, caste, BPL status and the income limit.
- Genuineness of need: the same field staff also assess whether the request is genuine.
- Sponsorship to a bank: a cleared case is then forwarded to a partnered bank.
- Sanction and disbursement: the bank issues the final sanction and releases the composite amount, subsidy component included.
Documents you’ll need
Before you apply to Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families, 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
Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families is best suited for startups in India seeking non-dilutive funding of ₹1.5L. If that describes your startup, review the eligibility criteria above before applying.
Frequently asked questions
What does the Jhota Buggi/Camel/Mule Cart Scheme help me buy?
It funds the purchase of an animal-drawn cart — a jhota buggi, a camel cart or a mule cart. The cart is meant to work as a micro-enterprise asset, used for transporting goods, agricultural produce or for offering services. HSFDC treats it as an income-generating purchase rather than a consumption item.
How much financial assistance is available?
The project can cost up to ₹1,50,000. Of that, 50% comes as a subsidy but is capped at ₹10,000, and the balance is extended as a bank loan. The subsidy reduces the amount you have to finance, while the loan covers the rest.
Who is eligible to apply?
You must be a resident of Haryana, belong to the Scheduled Caste category, come from a Below Poverty Line family, and have an annual family income of not more than ₹1,80,000. Your name also has to appear in the BPL Survey List. Both rural and urban BPL families in the state can apply.
What interest rate applies and when do repayments start?
The loan amount recoverable by HSFDC carries interest of 4% per annum. Repayment does not begin immediately — there is a 6-month moratorium (180 days) first, after which the installment period runs for another 6 months (180 days). That makes the total loan tenure 12 months.
Is there a deadline to apply?
No. This is a rolling scheme with no closing date, so applications can be submitted at any point in the year, subject to the eligibility conditions being met.
Does the scheme take equity in my business?
No. It is structured as a debt package — a bank loan plus a subsidy — so no equity, shareholding or ownership stake is taken. The subsidy component lowers your project cost, and the loan portion is what gets repaid, at the stated rate of interest.
How do I apply online?
Visit the HSFDC website at hscfdc.org.in/appreg and choose the relevant scheme listed under the Bank Tie-up Scheme section. Register with your name, Aadhaar number, email ID, mobile number and the captcha code, then enter the OTP sent to your mobile to verify. The detailed form opens next, where you fill in your personal, financial and project details and upload the required documents before submitting. You are given a user ID and password for future reference.
If you have already registered, log in with your user ID and password, open your dashboard under Edit Profile, add surety details and any additional documents, click Final Submit, and print a copy of the application for your records.
Can I apply offline instead?
Yes. HSFDC also collects loan applications at credit camps, Open Darbars and other community functions organised under the supervision of Deputy Commissioners and Additional Deputy Commissioners at various locations across Haryana. You can enquire locally about upcoming events and hand in your application in person.
What documents are needed for the application?
The application calls for proof of identity, proof of address, a caste certificate, a BPL card and an income certificate. Registration itself requires your name, Aadhaar number, email ID and mobile number, and at the profile stage you may also need to provide surety details and upload any further documents the bank or HSFDC asks for.
What happens after I submit my application?
HSFDC field staff verify the details you have given and confirm that you meet the residency, caste, BPL status and income conditions, and that the need is genuine. Once that check is cleared, your file is sponsored to a partnered bank, which issues the final sanction and disburses the composite loan along with the subsidy.
Is DPIIT recognition required for Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families, though having it can strengthen your application and unlock other benefits.
Who offers Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families?
Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families is offered by Haryana Scheduled Castes Finance and Development Corporation, a government body. It is provided as non-dilutive funding.
More funding from Haryana Scheduled Castes Finance and Development Corporation
Haryana Scheduled Castes Finance and Development Corporation runs 5 other programs listed on startupfunds — compare them before you decide where to apply.
Alternatives to Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families
Not sure Jhota Buggi/Camel/Mule Cart Scheme — ₹1.5L Loan for Haryana SC BPL Families is the right fit, or already applied? These are other debt open to Indian startups that founders shortlist alongside it.
Questions from founders
Ask anything about eligibility, documents or the process — answered by the community.
No questions yet — be the first to ask.