Term Loan Scheme- Credit Line 1 for Minority Community
The scheme is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under this scheme, loans of up to ₹20,00,000/- are provided at a concessional interest rate to individuals from minority communities to enhance their employability.
About This Scheme
The scheme “Term Loan Scheme- Credit Line 1 for Minority Community” is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. Under this scheme, loans of up to ₹20,00,000/- are provided at a concessional interest rate to individuals from minority communities to enhance their employability. This applies to those with an annual family income of up to ₹98,000/- in rural areas and ₹1,20,000/- in urban areas. Applicants must be permanent residents of Haryana and belong to minority communities, including Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
Benefits
Under the scheme, Nigam provides loans of up to ₹20,00,000/- at a concessional interest rate to individuals from minority communities to enhance their employability.
Eligibility Criteria
The applicant should be a permanent resident of Haryana.
The age of the applicant should be between 18 and 55 years.
The annual family income of the applicant should not exceed ₹98,000/- (Rural Area) and ₹1,20,000/- (Urban Area).
The applicant should belong to a minority community, i.e., Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
The applicant should have a Parivar Pehchan Patra (PPP ID).
Application Process
Apply Online
Registration Process on Antyodaya-SARAL Portal:
Step 01: The eligible applicant may apply online through the Official Portal-
Antyodaya-SARAL Portal
.
Step 02: If the applicant is not registered on the portal, he/she gets registered there.
Step 03: For registration, click “
New User
” under ‘Sign In Here’ and fill in all the mandatory details i.e. Name, Email ID, Mobile Number, Password & State. Click on ‘Submit’.
Step 04: Verify your mobile number and email ID through the received OTP and complete the registration process.
Login to apply for the scheme:
Step 01: To avail the benefits of the scheme, visit the Official
Antyodaya-SARAL Portal
and log in through the email ID used while registering.
Step 02: Enter Password & Captcha and click on ‘Login’.
Step 03: After successful login, click on ‘Apply for Services’ and then ‘View all Available Services’
Step 04: Now, you can search for the scheme and click on the scheme to go ahead and fill out the application form.
Step 05: Enter your Parivar Pehchan Patra number – Family ID and click on “Click here to Fetch Family Data” which displays the family members registered under the given Family ID.
Step 06: Select the beneficiary/applicant name and enter the OTP that is being sent to the selected family member for verification. Click on “Click to Verify”
Step 07: Fill in all the mandatory details and upload all the mandatory documents.
Step 08: Preview the application form and click on ‘Submit’.
Tracking of Application:
Applicants can track their applications through the Official
Antyodaya-SARAL Portal
by entering their Department Name, Scheme Name, and Application Reference ID.
Official Source: View on myScheme.gov.in
Benefits
Under the scheme, Nigam provides loans of up to ₹20,00,000/- at a concessional interest rate to individuals from minority communities to enhance their employability.
Application Process
Apply Online
Registration Process on Antyodaya-SARAL Portal:
Step 01: The eligible applicant may apply online through the Official Portal- Antyodaya-SARAL Portal
.
Step 02: If the applicant is not registered on the portal, he/she gets registered there.
Step 03: For registration, click “New User
” under ‘Sign In Here’ and fill in all the mandatory details i.e. Name, Email ID, Mobile Number, Password & State. Click on ‘Submit’.
Step 04: Verify your mobile number and email ID through the received OTP and complete the registration process.
Login to apply for the scheme:
Step 01: To avail the benefits of the scheme, visit the Official Antyodaya-SARAL Portal
and log in through the email ID used while registering.
Step 02: Enter Password & Captcha and click on ‘Login’.
Step 03: After successful login, click on ‘Apply for Services’ and then ‘View all Available Services’
Step 04: Now, you can search for the scheme and click on the scheme to go ahead and fill out the application form.
Step 05: Enter your Parivar Pehchan Patra number - Family ID and click on “Click here to Fetch Family Data” which displays the family members registered under the given Family ID.
Step 06: Select the beneficiary/applicant name and enter the OTP that is being sent to the selected family member for verification. Click on “Click to Verify”
Step 07: Fill in all the mandatory details and upload all the mandatory documents.
Step 08: Preview the application form and click on ‘Submit’.
Tracking of Application:
Applicants can track their applications through the Official Antyodaya-SARAL Portal
by entering their Department Name, Scheme Name, and Application Reference ID.
References & Official Links
Scheme Details
| Full Name | Term Loan Scheme- Credit Line 1 for Minority Community |
| Short Title | TLS-CL1MC |
| Level | State |
| Scheme For | Individual |
| Categories | Banking,Financial Services and Insurance, Business & Entrepreneurship |
| States | Haryana |
| Gender | All |
| Caste/Category | OBC, Minority, EWS |
| Area | Both |
| Income Limit | ₹98,000/year |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar · 📅 03 Jun 2026
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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