Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana

Mahila Samridhi Yojana is a self-employment credit scheme built for women from Safai Karamchari households in Haryana. It is delivered by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) — a government-owned corporation in which both the State Government of Haryana and the Government of India hold stake — in association with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).

The premise is straightforward. A woman with a workable business idea but no collateral and no credit history can borrow a small sum on soft terms and convert that idea into a livelihood. This is a debt product rather than an equity one: HSFDC recovers what it lends, along with interest, but the conditions are considerably gentler than what a commercial lender would ask for.

The scheme stays deliberately open about what it will finance. Small, local, self-run micro-enterprises are the target — tailoring shops, dairies, cloth shops, beauty parlours, tea shops, bangle shops, basketry and papad-making units are among the activities it names.

There is no closing date to chase. Applications are accepted right through the year, and a woman may submit hers either through the HSFDC website or through Haryana's Antyodaya-SARAL portal.

• Loan of up to ₹1,00,000 per unit at 4% interest per annum
• HSFDC adds 10% of the project cost as margin money
• Subsidy of up to ₹10,000 (50% of project cost) for BPL beneficiaries
• 120-day moratorium before principal recovery and installments begin
• Open only to women Safai Karamcharis, or dependent daughters of one, who are permanent residents of Haryana aged 18 to 55
• Rolling applications through the HSFDC portal or the Antyodaya-SARAL portal

This is a women-only scheme. To be considered, an applicant must:

• Be a permanent resident of Haryana.
• Be between 18 and 55 years of age.
• Be a woman Safai Karamchari, or the dependent daughter of a Safai Karamchari.

For the purposes of the scheme, a permanent Safai Karamchari is any person who does sanitation work or is employed for it — and their dependents fall within that definition as well.

There is no income ceiling on the loan itself. Income matters only for the subsidy component, which is reserved for beneficiaries living below the poverty line.

Applicants must be able to produce a certificate confirming Safai Karamchari status, or dependent status, from the designated government officials.

Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana is open to startups at any stage. It is open to startups registered anywhere in India.

Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana 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.

A beneficiary can draw up to ₹1,00,000 per unit to set up and run an economic development activity of her own.

The package has three parts:

• Loan: Up to ₹1,00,000, recovered by HSFDC at an interest rate of 4% per annum.
• Margin money: HSFDC contributes 10% of the project cost, which brings down the amount the applicant has to arrange herself.
• Subsidy: Up to ₹10,000, equal to 50% of the total project cost, and available only to beneficiaries living below the poverty line.

Repayment is structured to give a new enterprise room to stabilise. The opening 120 days are a moratorium — no principal is recovered and no installments fall due during that window. Once it ends, installments are collected every 30 days.

Payments that run more than 30 days past their due date attract penal interest of 4% per annum.

Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana 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.

Applications come in online, through either the HSFDC portal or the Antyodaya-SARAL portal.

1. Scrutiny by the District Manager — the concerned District Manager goes through the application to establish the genuineness of the applicant, confirm that she meets the eligibility conditions, and assess the self-employment project she has proposed.
2. Forwarding to NSKFDC — applications that clear this verification are sent on to the National Safai Karamcharis Finance & Development Corporation, which takes the final sanction decision on the loan.
3. Sanction letter — once NSKFDC approves, a sanction letter reaches the beneficiary, and she can proceed with her economic development activity.

Before you apply to Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana, 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.

Mahila Samridhi Yojana — ₹1 Lakh Loan for Women Safai Karamcharis in Haryana is best suited for startups in India seeking non-dilutive funding of ₹1L. If that describes your startup, review the eligibility criteria above before applying.