Haryana Micro Finance Scheme Credit Line 2 — ₹1.5L Loans for Minority SHGs — Frequently Asked Questions

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.

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.

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.

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.

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).

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%.

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.

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.

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.

Go to the Antyodaya-SARAL portal and track your submission using three details: the department name, the scheme name and your application reference ID.

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.

Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.