NSKFDC Term Loan Haryana — Up to ₹15 Lakh at 6% for Safai Karamcharis — Frequently Asked Questions

The loan ranges from a minimum of ₹10,000 to a maximum of ₹15,00,000. The exact figure is worked out against the cost of the project you propose, and the loan is assessed for one beneficiary at a time.

Interest is charged at 6% per annum.

You must be a permanent resident of Haryana and between 18 and 55 years old. You also need to be a Safai Karamchari or a dependent of one. There is no income limit, but you must submit a certificate confirming your Safai Karamchari or dependent status, issued by a gazetted officer or an elected municipal or panchayat member.

No. The scheme runs on a rolling basis and applications are accepted throughout the year, so there is no fixed closing date to work towards.

No. This is a debt product — a term loan that you repay with interest at 6% per annum. HSFDC does not take a stake in your enterprise.

HSFDC provides margin money equal to 10% of the project cost. Beneficiaries living below the poverty line can additionally receive a subsidy of up to ₹10,000, which works out to 50% of the total project cost.

A wide range of self-employment ventures qualifies, including auto repair and spare-parts shops, electrical goods workshops, leather footwear manufacture, beauty parlours, welding, carpentry, photography, grocery and sanitary supply stores, readymade garments, cyber cafes, and event services such as tent houses and band parties. Since the activity is chosen by the applicant, the main test is whether it is viable.

You will typically be asked for proof of residence, proof of age, identity proof such as Aadhaar, a Safai Karamchari or dependent certificate, and the details of your project proposal. These are uploaded along with the online application.

There are two online routes. You can register on the HSFDC website through the NSKFDC Assisted Scheme section and complete the form after verifying the OTP sent to your mobile, or you can apply through the Antyodaya-SARAL portal by searching for the scheme and filling in the form there. After submitting, you can track the status on the Antyodaya-SARAL portal using your department name, scheme name and application reference ID.

The District Manager scrutinises and verifies your application, checking that you genuinely qualify and that the proposed activity is viable. Eligible cases are then forwarded to NSKFDC for final sanction, and once that is granted a sanction letter is issued and the loan is released to you.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for NSKFDC Term Loan Haryana — Up to ₹15 Lakh at 6% for Safai Karamcharis, though having it can strengthen your application and unlock other benefits.

NSKFDC Term Loan Haryana — Up to ₹15 Lakh at 6% for Safai Karamcharis is offered by Haryana Scheduled Castes Finance and Development Corporation, a government body. It is provided as non-dilutive funding.