Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs
A Haryana government debt scheme offering loans of up to ₹1.5 lakh to minority-community entrepreneurs, with Self-Help Group members as the main target group. Applications run on a rolling basis through the Antyodaya-SARAL portal.
- Funding amount
- ₹1.5L (debt / loan)
- Funding type
- Debt / Loan
- Provider
- Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
This is a small-ticket credit line for minority-community entrepreneurs in Haryana who need capital to get a micro-business moving. It is a debt product — the money is borrowed and repaid, not handed over as a grant and not exchanged for a share of the business.
The scheme is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It sits within the state's broader effort to widen access to formal credit for people from minority communities, and it treats Self-Help Groups as the main channel through which members reach the money.
The ticket size is deliberately modest: up to ₹1.5 lakh per beneficiary. That suits single-person enterprises, small trading activity and household-level income work rather than larger scale-ups.
There is no application window. The scheme is rolling and always open, so eligible applicants can file through the Antyodaya-SARAL portal at any point in the year.
Highlights
- Loans of up to ₹1.5 lakh per beneficiary
- Debt funding — the amount is repaid, no equity is taken
- For minority-community residents of Haryana, especially Self-Help Group members
- Applicants must be 18–55 and hold a Parivar Pehchan Patra (PPP ID)
- Rolling applications — no deadline, apply any time on Antyodaya-SARAL
- Implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
Who can apply
An application can only move forward if the applicant clears a set of residency, age, income and community conditions.
- Domicile: must be a permanent resident of Haryana.
- Age: between 18 and 55 years.
- Community: must belong to a notified minority community — Muslims, Sikhs, Christians, Buddhists, Parsis or Jains.
- Income (rural): yearly family income between ₹98,001 and ₹8,00,000.
- Income (urban): yearly family income between ₹1,20,001 and ₹8,00,000.
- Parivar Pehchan Patra: a valid PPP ID is mandatory.
For Self-Help Groups, at least 75% of members must come from a minority community. In exceptional cases, a group where minority membership is as low as 60% may still be considered.
The scheme is built around SHG members in particular, and the credit is intended for micro-enterprises and other small income-generating activity.
Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs 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
Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs 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
Each successful beneficiary can access a loan of up to ₹1,50,000. The amount is sanctioned as credit, so it is repaid — the scheme takes no equity and is not structured as a grant.
The money is meant to cover the capital requirement of a micro-enterprise. In practice that covers starting a new small venture, putting additional funds into a business that is already trading, or supporting other livelihood activities that bring in household income.
Because the facility is routed mainly through Self-Help Groups, minority-community members in Haryana are the target group. The stated aim is to build entrepreneurial capacity, raise incomes and improve the socio-economic position of these households.
About the provider
Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.
Documents you’ll need
Before you apply to Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs, 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
Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs 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
How much funding does this scheme offer?
The scheme extends small loans of up to ₹1,50,000 per beneficiary. This is a debt facility, so the sum is sanctioned as credit that has to be repaid rather than paid out as a one-time grant.
Is this a grant, a loan or an equity investment?
It is a loan. The scheme is classified as debt funding, which means the beneficiary borrows the money and pays it back. No equity stake in the business is taken, and nothing is given away as a grant.
Who is eligible to apply for this micro-finance scheme?
You must be a permanent resident of Haryana, aged between 18 and 55 years, and a member of a notified minority community — Muslims, Sikhs, Christians, Buddhists, Parsis or Jains. You also need a yearly family income within the scheme's bands and a valid Parivar Pehchan Patra (PPP ID). Members of Self-Help Groups are the primary target group.
What are the income limits for rural and urban applicants?
For rural applicants, the household's yearly income must fall between ₹98,001 and ₹8,00,000. For those in urban areas, the yearly income must be between ₹1,20,001 and ₹8,00,000.
Does the scheme require DPIIT recognition or MSME registration?
No. The scheme's published eligibility conditions do not list DPIIT recognition or MSME (Udyam) registration among the requirements. What it does ask for is Haryana residency, the 18–55 age band, minority-community membership, income within the prescribed range and a Parivar Pehchan Patra (PPP ID).
Can a Self-Help Group apply if not all its members belong to a minority community?
Yes, subject to a membership threshold. At least 75% of the group's members must come from a minority community. The scheme also allows an exception in special cases where minority membership is as low as 60%.
What can the loan be used for?
The credit is intended to meet the capital needs of a micro-enterprise. It can be put towards launching a new small venture, expanding an existing small business, or supporting other income-generating activities that improve a household's livelihood. The scheme does not publish a list of restricted business types.
How and where do I apply?
Applications are filed online on the official Antyodaya-SARAL portal. Register as a new user with your name, email ID, mobile number, password and state, then verify your mobile and email using the OTPs you receive. Log in, go to 'Apply for Services' and select 'View all Available Services', search for the Micro Finance Scheme — Credit Line 2 for Minority Community and open the form. Enter your PPP number or Family ID, fetch the family data, select yourself as the applicant and verify with the OTP sent to a registered family member. Complete the remaining fields, upload the supporting documents, preview the form and submit it.
Is there an application deadline?
No. The scheme runs on a rolling basis and is always open, so you can apply whenever you are ready, as long as you meet the eligibility conditions.
How can I check the status of my application?
Go to the Antyodaya-SARAL portal and track your submission using three details: the department name, the scheme name and your application reference ID.
Who offers Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs?
Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs is offered by Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a government body. It is provided as non-dilutive funding.
How do I apply for Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs?
Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.
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