Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana
A rolling micro-lending window from the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam that offers loans of up to ₹1,00,000 to Self-Help Group members from Haryana's minority communities.
- Funding amount
- ₹1L (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
The Micro Finance Scheme Credit Line 1 is a debt-based micro-finance window created for minority communities living in Haryana. It is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a state body that channels this credit line towards households that mainstream lenders usually pass over.
The scheme's purpose is straightforward: place a small, usable sum of capital with people who need it most. Each beneficiary can access a loan of up to ₹1,00,000, and the design deliberately focuses on the most economically fragile families within minority communities, so that they can launch or keep running a micro-enterprise or a livelihood activity of their own.
Community participation is built into how the money moves. Funds are released either straight to an individual who belongs to a Self-Help Group (SHG), or routed through the SHG itself, which lets groups pool and use the credit collectively.
Applications run on a rolling basis with no fixed closing date, and the entire process is handled online through Haryana's Antyodaya-SARAL portal.
Highlights
- Loans of up to ₹1,00,000 per beneficiary
- Reserved for members of minority communities
- Open only to permanent residents of Haryana
- Applicants must be aged 18 to 55 years
- Income limits of ₹98,000 (rural) and ₹1,20,000 (urban)
- No deadline — applications stay open on a rolling basis
Who can apply
To be considered for this credit line, an applicant has to clear several filters set by the implementing agency:
- Domicile: The applicant must hold permanent residency in Haryana.
- Age: Applicants should be between 18 and 55 years old.
- Income ceiling: The family's yearly income must not cross ₹98,000 in rural areas or ₹1,20,000 in urban areas.
- Community: The applicant must belong to a notified minority community — Muslims, Sikhs, Christians, Buddhists, Parsis or Jains.
- SHG composition: For group-based proposals, 75% of the members can be drawn from minority communities; in exceptional cases the figure is up to 60%.
- Documentation: A Parivar Pehchan Patra (PPP ID) is required before an application can be filed.
Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana 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
Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs 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.
What the funding covers
The scheme extends a loan of up to ₹1,00,000 per beneficiary to Self-Help Group members drawn from minority communities in Haryana.
Because this is a credit line and not a grant, the amount is repayable, and recipients do not surrender any equity or ownership in their venture in return for the capital.
The money is meant to serve the entrepreneurial and financial needs of the most economically disadvantaged individuals within these communities, and it can be put towards a micro-enterprise or a livelihood-generating activity.
Disbursal happens in one of two ways — either directly to the individual beneficiary, or through the Self-Help Group to which that person belongs. The group route is what gives the scheme its collective character, allowing members to build economic independence together rather than one at a time.
About the provider
Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana 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 Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs 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.
Who this is best for
Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs 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.
Frequently asked questions
What is the Micro Finance Scheme Credit Line 1, and who runs it?
It is a state-run micro-lending programme for minority communities in Haryana, implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Through it, eligible Self-Help Group members can access a repayable loan of up to ₹1,00,000 each, either directly or via their group.
How much can I borrow under this scheme?
The scheme offers loans of up to ₹1,00,000 per beneficiary. This is a debt facility, so the amount is repayable rather than a grant.
Who is eligible to apply?
You need to be a permanent Haryana resident belonging to a notified minority community, aged between 18 and 55 years, with a family income that does not exceed ₹98,000 per year in a rural area or ₹1,20,000 in an urban area. You also need a Parivar Pehchan Patra (PPP ID) to file the application.
Which communities are treated as minority communities for this scheme?
Muslims, Sikhs, Christians, Buddhists, Parsis and Jains are the communities covered under the scheme.
What are the income limits for eligibility?
A family's annual income must stay at or below ₹98,000 if it lives in a rural area, and at or below ₹1,20,000 if it lives in an urban area.
Do I have to be a member of a Self-Help Group?
The scheme is aimed at Self-Help Group members from minority communities. Loans can be released directly to an individual member or through the SHG itself. For group applications, 75% of the members can be from minority communities, with this allowed to be up to 60% in exceptional cases.
Is a Parivar Pehchan Patra (PPP ID) compulsory?
Yes. The application on the Antyodaya-SARAL portal cannot move forward without a PPP ID, since the form uses the family ID to fetch and verify the registered family's data.
Is there a last date to submit the application?
No. The scheme runs on a rolling basis and stays open, so there is no fixed closing date to work against.
Does the scheme take equity in my business?
No. This is a debt-based credit line, so the support comes as a loan that has to be repaid. You do not hand over any stake or ownership in your enterprise to receive it.
How do I apply, and can I track my application afterwards?
Applications are made online through the official Antyodaya-SARAL portal. First-time users register as a new user with their name, email ID, mobile number, password and state, then verify the mobile number and email through OTPs. After logging in, choose 'Apply for Services', open the list of available services and search for the Micro Finance Scheme Credit Line 1 for Minority Community. Enter your Parivar Pehchan Patra number and use the option to fetch family data, then select the applicant's name, complete OTP verification, fill in the mandatory fields, upload the documents the form asks for, preview everything and submit. Once submitted, you can follow the status on the SARAL status portal using the department name, scheme name and your application reference ID.
Is DPIIT recognition required for Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana, though having it can strengthen your application and unlock other benefits.
More funding from Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam
Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam runs 5 other programs listed on startupfunds — compare them before you decide where to apply.
Alternatives to Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana
Not sure Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana is the right fit, or already applied? These are other debt open to Indian startups that founders shortlist alongside it.
Questions from founders
Ask anything about eligibility, documents or the process — answered by the community.
No questions yet — be the first to ask.