Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth — Frequently Asked Questions
Answers to the questions founders most often ask about Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth — who qualifies, the funding amount, required documents and how the application works.
Frequently asked questions
How much funding can I get from the Saksham Scheme for Backward Classes?
Eligible applicants can borrow up to ₹10,00,000, that is ₹10 lakh. The money comes as a loan, so it has to be repaid.
What type of professional establishment can I set up with this loan?
The scheme covers a defined set of professional units: Doctors' Clinics, Nursing Homes, Physiotherapy Clinics, Bio-Medical Labs, Lawyers' Offices, Engineering Units, Chemist Shops and Architect Offices.
Who is eligible to apply?
You need to be a permanent resident of Haryana, be between 18 and 35 years of age, belong to the Backward Class category, have an annual family income of no more than ₹3,00,000, and hold professional and academic training relevant to the establishment you plan to set up.
Is there an age limit for applicants?
Yes. Applicants must be at least 18 years old and not older than 35 years to qualify.
What is the family income limit under the scheme?
Your annual family income from all sources must not cross ₹3,00,000. The same ceiling applies whether you live in a rural or an urban area.
Is this a grant, and does the scheme take equity in my business?
Neither. The Saksham Scheme provides a repayable loan, which makes it a debt instrument rather than a grant. Since it is borrowed money, no equity or ownership share in your venture is handed over in exchange.
Is there a last date to submit the application?
No. The scheme operates on a rolling basis with no closing date, so you can apply whenever your documents and plans are ready.
How do I apply for the Saksham Scheme?
Applications are made online through the Antyodaya-SARAL portal. If you are a first-time user, click 'New User' under 'Sign In Here' and fill in your name, email ID, mobile number, password and state, then complete verification through the OTP sent to your mobile and email. After logging in, go to 'Apply for Services', then 'View all Available Services', search for the scheme and open the application form. You will need to enter your Parivar Pehchan Patra number (Family ID), click to fetch your family data, pick the beneficiary name, verify with the OTP, fill in all mandatory details and upload the required documents. Preview the form and submit it.
Do I need DPIIT or MSME registration for this scheme?
No such registration is part of the scheme's stated conditions. What matters instead is that you are a Haryana resident, fall in the 18-35 age band, belong to the Backward Class category, stay within the ₹3,00,000 family income ceiling, and hold training relevant to the unit you want to establish.
How can I track my application after submitting it?
You can follow its progress on the Antyodaya-SARAL portal by entering your Department Name, Scheme Name and Application Reference ID.
Who offers Saksham Scheme for Backward Classes — ₹10 Lakh Loan for Haryana Youth?
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. It is provided as non-dilutive funding.
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