Micro Finance Scheme Credit Line 1: ₹1 Lakh Loan for Minority SHGs in Haryana — Frequently Asked Questions

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.

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.

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.

Muslims, Sikhs, Christians, Buddhists, Parsis and Jains are the communities covered under the scheme.

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.

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.

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.

No. The scheme runs on a rolling basis and stays open, so there is no fixed closing date to work against.

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.

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.

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.