Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth

The Saksham Scheme for Backward Classes is a credit programme of the Government of Haryana, run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. It exists to give young Backward Class professionals in the state access to repayable finance, so they can open their own practice or unit rather than only hunting for salaried work.

The money can be used for the kinds of professional set-ups the scheme recognises — Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops and Architect Offices. Borrowing is capped at ₹10,00,000 (₹10 lakh) per beneficiary, and the funds are meant to cover setting up the establishment, buying equipment and meeting working capital requirements.

The broader purpose is self-reliance. By backing first-generation professional ventures from Backward Class families, the scheme widens access to capital for a group that often finds it hard to raise, creates local employment, and pushes essential services such as healthcare and legal advice into more corners of Haryana.

There is no closing date — applications are accepted round the year — and the entire process runs online through the Antyodaya-SARAL portal.

• Loan of up to ₹10,00,000 (₹10 lakh) per beneficiary
• Open to Backward Class professionals aged 18 to 35
• Only permanent residents of Haryana may apply
• Annual family income must not exceed ₹3,00,000
• Funds clinics, nursing homes, labs, law, engineering, chemist and architect units
• No deadline — applications are accepted round the year on the Antyodaya-SARAL portal

Eligibility under this scheme is judged on the individual applicant, so the qualifying conditions are personal rather than company-level. All of the following must be met:

• You must be a permanent resident of Haryana.
• Your age must fall between 18 and 35 years.
• You must belong to the Backward Class category.
• Your annual family income, whether you live in a rural or an urban area, must not exceed ₹3,00,000.
• You must hold professional and academic training that is relevant to the establishment you propose to set up.

Because a relevant qualification is expected, the training you hold should line up with the venture you are proposing — a medical background for a clinic, nursing home, physiotherapy clinic or bio-medical lab, for instance, and a matching professional qualification for a law office, engineering unit, chemist shop or architect's office.

Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth is open to startups at any stage. It is open to startups registered anywhere in India.

Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth 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.

The scheme offers a repayable loan of up to ₹10,00,000 (₹10 lakh) to each eligible young professional. It is a debt instrument, not a grant, so the amount is repaid by the beneficiary over time.

The loan is intended to fund:

• Initial costs of setting up the professional establishment
• Procurement of equipment needed to run it
• Working capital requirements of the new venture

It can be used for any of the recognised professional units under the scheme — Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops and Architect Offices.

Because the support comes as a loan, the recipient does not part with any ownership of the business in return; there is no equity component attached to the funding.

Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth 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.

Applications are examined by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, the body that implements the scheme.

• Eligibility screening: the Nigam begins by checking that the applicant satisfies each qualifying condition — age, Haryana residency, Backward Class category and the family income ceiling.
• Assessment of training and proposal: the application then moves to a closer look at the applicant's professional and academic training, and at whether the establishment being proposed is viable.
• Final selection: the outcome rests on an overall evaluation of the application details and the documents submitted in support of it.

Before you apply to Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth, 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.

Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth is best suited for startups in India seeking non-dilutive funding of ₹10L. If that describes your startup, review the eligibility criteria above before applying.