Mahila Adhikarita Yojana — ₹2L Loan for Haryana Women Safai Karamcharis — Frequently Asked Questions

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.

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.

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.

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.

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.

No. The scheme runs on a rolling basis, which means applications are accepted throughout the year.

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.

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.

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.

Yes. Applications can be tracked on the Antyodaya-SARAL portal by entering the department name, the scheme name and your application reference ID.

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.

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.

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.