Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis
HSFDC and NSKFDC jointly offer women from Haryana's Safai Karamchari families a business loan of up to ₹2 lakh at 5% a year, with 10% margin money and a subsidy of up to ₹10,000 for BPL households.
- Funding amount
- ₹2L (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
The Mahila Adhikarita Yojana is a credit scheme for women belonging to Safai Karamchari families in Haryana. It is implemented jointly by two bodies: the Haryana Scheduled Castes Finance and Development Corporation (HSFDC), a state-owned corporation established in 1971, and the National Safai Karamcharis Finance & Development Corporation (NSKFDC), which issues the final sanction for each loan.
The money is meant for enterprise at the grassroots. A beneficiary can launch or expand a small trade or income-generating activity — a beauty parlour, a boutique, a cosmetics or bangle shop, or another micro-enterprise — with a project cost of as much as ₹2,00,000. The package combines a low-interest loan with margin money contributed by HSFDC, and families below the poverty line can also claim a subsidy.
Repayment begins only after a four-month moratorium and interest is fixed at 5% per annum, which suits women who would otherwise find it hard to arrange upfront capital. No income limit is prescribed for applicants, and there is no fixed closing date — applications are accepted round the year. The larger aim is to help women from the community earn on their own terms and add to their household income.
Highlights
- Loan of up to ₹2,00,000 per project unit for a woman-run micro-enterprise
- Interest fixed at 5% per annum
- HSFDC contributes 10% of the project cost as margin money
- Below-poverty-line applicants can get a subsidy capped at ₹10,000
- Principal repayment starts only after a 120-day moratorium
- For Safai Karamchari women and their dependent daughters in Haryana; applications open round the year
Who can apply
Who can apply: the scheme is open only to women who are permanent residents of Haryana.
- Gender: female applicants only.
- Age: between 18 and 55 years.
- Community status: the applicant must be a woman Safai Karamchari, or the dependent daughter of a Safai Karamchari.
- Income: no income limit has been prescribed.
- Documentation: a certificate confirming Safai Karamchari status or dependency, issued by a Gazetted Officer or an elected member of a local body, has to be produced.
Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis 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
Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis 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
Loan amount: up to ₹2,00,000 per project unit, which is the maximum project cost the scheme will finance for an eligible micro-enterprise.
Margin money: HSFDC contributes 10% of the project cost as margin money, so the applicant has to arrange less capital on her own.
Subsidy: beneficiaries from below-poverty-line families can receive a subsidy of up to 50% of the project cost, capped at ₹10,000.
Interest: the loan is charged at 5% per annum.
Moratorium: recovery of principal starts only after a 4-month (120-day) moratorium, giving the new venture time to settle.
About the provider
Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis 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
Every loan application passes through two levels of review.
- District Manager scrutiny: the District Manager concerned examines the application and verifies that the applicant is genuine and satisfies the eligibility conditions.
- NSKFDC sanction: cases that clear this verification are forwarded to the National Safai Karamcharis Finance & Development Corporation, which takes the final decision on sanctioning the loan.
- Sanction letter: after NSKFDC sanctions the case, the sanction letter is issued to the beneficiary for grant of the loan.
Applicants can follow the progress of a submitted application on the Antyodaya-SARAL portal by entering the department name, the scheme name and the application reference ID.
Documents you’ll need
Before you apply to Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis, 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
Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis is best suited for startups in India seeking non-dilutive funding of ₹2L. If that describes your startup, review the eligibility criteria above before applying.
Frequently asked questions
What exactly is the Mahila Adhikarita Yojana?
It is a loan-based scheme for women from Safai Karamchari families in Haryana, implemented by HSFDC together with NSKFDC. A beneficiary receives a loan to start or grow a small business or income-generating activity, along with margin money from HSFDC and a possible subsidy for below-poverty-line families.
How much funding can I receive?
One project unit can be financed up to ₹2,00,000. On top of the loan, HSFDC provides 10% of the project cost as margin money, and applicants from below-poverty-line families are eligible for a subsidy of up to 50% of the project cost, subject to a ceiling of ₹10,000. The loan carries interest at 5% per annum.
Who is eligible to apply?
The scheme is for women only, aged 18 to 55 years, who are permanent residents of Haryana. The applicant must be a woman Safai Karamchari or the dependent daughter of a Safai Karamchari. No income limit has been prescribed, so a family's earnings do not disqualify an applicant.
What kind of business can the loan be used for?
Small and petty trade and other income-generating activities qualify. Beauty parlours, boutiques, cosmetic shops and bangle shops are the examples given under the scheme, and the venture has to stay within the ₹2,00,000 project-cost ceiling for a single unit.
What proof of Safai Karamchari status do I need?
You need a certificate confirming Safai Karamchari status, or dependency on a Safai Karamchari, from an authorised signatory. Acceptable authorities include the head of a government department at or above Gazetted Officer rank, elected members of a municipal body or corporation, the Pradhan of a Gram Panchayat, a local revenue officer, or an officer of a local municipal office, cantonment or the railways at or above Gazetted Officer rank.
Is there a last date to apply?
No. The scheme runs on a rolling basis, which means applications are accepted throughout the year.
When does loan repayment begin?
There is a moratorium of 120 days, roughly four months, before recovery of principal starts. After that period, instalments are usually paid on a monthly basis.
How do I apply for the Mahila Adhikarita Yojana?
There are two online routes. On the HSFDC website you can select the scheme listed under 'Bank Tie-up Scheme' and click 'Apply for Loan'; registration requires your name, Aadhaar, email, mobile number and a captcha, followed by OTP verification, after which you complete the detailed form and upload documents and receive a user ID and password. You then log in, update your profile, fill in surety details, upload any remaining documents and click 'Final Submit', printing the application for your records. Alternatively, use the Antyodaya-SARAL portal: create an account with your name, email, mobile number, password and state, verify the OTP, log in, go to 'Apply for Services' then 'View all Available Services', search for Mahila Adhikarita Yojana, fill in the mandatory fields, upload documents, preview and submit. The HSFDC application link is https://hscfdc.org.in/#accordionExample.
What happens after I submit my application?
The District Manager concerned scrutinises and verifies the application to confirm that the applicant is genuine and eligible. Eligible cases are then sent to NSKFDC for final sanction, and once sanctioned, a sanction letter is issued to the beneficiary for grant of the loan.
Can I track my application?
Yes. Applications can be tracked on the Antyodaya-SARAL portal by entering the department name, the scheme name and your application reference ID.
Does the scheme take equity in my business?
No. This is a debt-based scheme: a loan repaid with interest at 5% per annum, supported by HSFDC margin money and, where applicable, a subsidy. HSFDC and NSKFDC do not take a stake in the venture.
Is DPIIT recognition required for Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis, though having it can strengthen your application and unlock other benefits.
Who offers Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis?
Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis is offered by Haryana Scheduled Castes Finance and Development Corporation, a government body. It is provided as non-dilutive funding.
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