Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana)

Empowering Persons with Disabilities through the Divyangjan Swavalamban Yojana

The “Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana)” is a progressive initiative launched by the Government of Haryana. This scheme aims to facilitate self-employment opportunities for individuals with disabilities, providing them with access to financial support to establish their businesses in various sectors. Loans of up to ₹50 lakhs can be obtained, enabling disabled individuals to thrive in diverse fields such as agriculture, small businesses, artisan trades, transport, and services.

Overview of the Scheme

Implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, the Divyangjan Swavalamban Yojana is designed to assist persons with disabilities to engage in income-generating activities. The scheme offers financial aid in the form of loans, which can be utilized across multiple sectors including:

• Agriculture and Allied Activities
• Small Business/Artisan & Traditional Occupations
• Transport and Service Sectors
• Technical & Professional Trades/Courses

Financial assistance is provided to individuals categorized as OH (Orthopedically Handicapped), VH (Visually Handicapped), HH (Hearing Handicapped), and MR (Mentally Retarded), with interest rates varying between 5% and 9% per annum.

Key Benefits of the Scheme

The Divyangjan Swavalamban Yojana offers a multitude of advantages aimed at enhancing the economic stability of persons with disabilities:

• Access to loans up to ₹50,00,000 for self-employment purposes.
• Support for a wide array of income-generating activities across various sectors.
• Loans with competitive interest rates ranging from 5% to 9% based on the applicant’s category.

Eligibility Requirements

To qualify for the benefits under this scheme, applicants must meet the following criteria:

• Must be a permanent resident of Haryana.
• Should have a disability that is at least 40% as certified by a competent authority.
• Age should be between 18 and 55 years; for individuals with mental retardation, the minimum age is above 14 years.
• A Unique Disability ID (UDID) is mandatory for loan applications exceeding ₹15 lakhs.
• Possession of a Parivar Pehchan Patra (PPP ID) is required.

Steps to Apply for the Scheme

Individuals wishing to avail of the benefits can apply online through the Antyodaya-SARAL Portal. The application process is as follows:

Registration Process

1. Visit the Antyodaya-SARAL Portal to begin your application.
2. If you are not already registered, click on “New User” under ‘Sign In Here’ to create an account.
3. Fill in the required details including Name, Email ID, Mobile Number, Password, and State, then click ‘Submit’.
4. Verify your mobile number and email through the OTP received to complete registration.

Login and Application Submission

1. Log in to the Antyodaya-SARAL Portal using the email ID registered.
2. Enter your Password and Captcha and click ‘Login’.
3. Once logged in, navigate to ‘Apply for Services’ and then select ‘View all Available Services’.
4. Search for the Divyangjan Swavalamban Yojana and click on it to access the application form.
5. Enter your Parivar Pehchan Patra number and click on “Click here to Fetch Family Data” to view registered family members.
6. Select the beneficiary/applicant’s name and enter the OTP sent for verification.
7. Fill in all mandatory fields and upload the required documents.
8. Review your application and click ‘Submit’ to complete the process.

Tracking Your Application

Applicants can monitor their application status by visiting the Antyodaya-SARAL Portal and entering the relevant details such as Department Name, Scheme Name, and Application Reference ID.

For more information, please visit the myScheme.gov.in website.