ELPD

Education Loan for Persons with Disabilities- Haryana

6.1/10

Education loans of up to ₹50 lakhs are available for individuals with disabilities, including those who are orthopedically handicapped, visually handicapped, hearing handicapped, or mentally retarded, in Haryana. These loans are intended to support the pursuit of professional and technical education both in India and abroad. To qualify, applicants must be permanent residents of Haryana, aged between 18 and 55 years (or above 14 years for those with mental retardation), and must have a disability of more than 40%. Additionally, applicants must secure admission to a recognized course and possess a Unique Disability ID (UDID) for loans of ₹15 lakhs and above, along with a Parivar Pehchan Patra (PPP ID). This initiative aims to empower individuals with disabilities by facilitating access to higher education opportunities.

State Cash

States / UT: Haryana

Nodal department: Welfare of Scheduled Caste & Backward Classes Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Categories: Banking,Financial Services and Insurance

Sub-categories: Loan

Target beneficiaries: Individual

Tags: Education Loan, PwD, Disability

Details

The scheme "Education Loan for Persons with Disabilities" is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under this scheme, education loans of up to ₹50 lakhs are provided to persons with disabilities (Orthopedically Handicapped, Visually Handicapped, Hearing Handicapped, Mentally Retarded) for pursuing professional and technical education both in India and abroad. Permanent residents of Haryana, aged between 18 and 55 years, with a disability of more than 40%, are eligible to benefit from this scheme.

Benefits

  • Under this scheme, education loans of up to ₹50 lakhs are provided to persons with disabilities (OH/VH/HH/MR) for pursuing professional and technical education both in India and abroad

Under this scheme, education loans of up to ₹50 lakhs are provided to persons with disabilities (OH/VH/HH/MR) for pursuing professional and technical education both in India and abroad.

Eligibility

  • The applicant should be a permanent resident of Haryana State.
  • The applicant should have a disability of more than 40%.
  • The applicant's age should be between 18 and 55 years. For persons with mental retardation, the eligible age is above 14 years. An age certificate issued by a competent authority authorized by the State Government, or as mentioned in the 10th certificate or any other government-issued certificate, will be required document.
  • The applicant should have secured admission to a professional or technical course in India or abroad.
  • Unique Disability ID (UDID) registration under the Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice and Empowerment, Government of India, is mandatory for loan amounts of ₹15 lakhs and above.
  • The applicant must have a Parivar Pehchan Patra (PPP ID).

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.1
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 4.0/10 Moderate
Application complexity 6.0/10 Moderate
Financial impact 9.5/10 Good
Literacy barrier 6.0/10 Moderate
Women inclusivity 6.0/10 Moderate
Awareness 4.0/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact9.5
  • Rural utility4.0
  • Awareness4.0
  • Simplicity4.0
  • Inclusivity6.0

What problem does this scheme solve?

The scheme provides significant financial support for education to individuals with disabilities in Haryana, promoting inclusivity in higher education.

Key challenges addressed

  • Access to education for persons with disabilities
  • Financial support for pursuing professional and technical courses

Most beneficial for

  • Individuals with disabilities seeking higher education

Likely challenges

  • Complex application process for first-time users
  • Digital literacy requirements

Practical insights for citizens

While the scheme is beneficial, practical challenges in application and awareness may hinder access.

Rural challenges

  • Limited internet access
  • Lack of awareness about the scheme

Digital challenges

  • Dependence on digital literacy for application
  • Access to online portals may be limited

Implementation bottlenecks

  • Verification of disability and residency requirements

Awareness challenges

  • Low awareness among potential beneficiaries

Application analysis

Application mode
Online portal
Documents burden
Moderate, requires specific IDs and certificates
Verification complexity
High, involves multiple steps and document checks
Office dependency
Low, primarily online
DBT dependency
No direct benefit transfer involved
CSC support
Limited
Estimated citizen effort
High due to multiple steps in application process

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Inclusive
  • Target income group Low to middle-income individuals
  • Occupation reach Students pursuing professional and technical education

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time loan
Benefit practicality
High, as it provides substantial financial support for education
Financial meaningfulness
Very meaningful for pursuing higher education
Long-term impact
Positive, as it promotes education and empowerment of individuals with disabilities

Plain-language guidance

This scheme offers education loans up to ₹50 lakhs for individuals with disabilities in Haryana to pursue higher education. Applicants must be residents of Haryana and meet specific eligibility criteria.

Who should apply
Individuals with disabilities aged 18-55 who are residents of Haryana.
Who may struggle
First-time applicants and those with limited digital literacy.
Best application route
Apply online through the Antyodaya-SARAL Portal.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online

Registration Process on Antyodaya-SARAL Portal:
Step 01: The eligible applicant may apply online through the Official Portal- Antyodaya-SARAL Portal: https://saralharyana.gov.in/
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:

Applicant can track his/her application through the Official Antyodaya-SARAL Portal by entering their Department Name, Scheme Name, and Application Reference ID.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

Who is eligible for this education loan?

Permanent residents of Haryana aged between 18 and 55 years with a disability of more than 40% are eligible. For persons with mental retardation, the eligible age is above 14 years.

What types of disabilities are covered under this scheme?

The scheme covers orthopedically handicapped, visually handicapped, hearing handicapped, and mentally retarded individuals.

How much loan amount can be availed under this scheme?

Eligible applicants can avail education loans of up to ₹50 lakhs.

For which types of education can this loan be used?

The loan can be used for pursuing professional and technical education both in India and abroad.

Is there an age limit for applying for this loan?

Yes, the applicant's age should be between 18 and 55 years. For persons with mental retardation, the eligible age is above 14 years.

Is there a residency requirement for applicants?

Yes, the applicant should be a permanent resident of Haryana State.

What is the minimum disability percentage required for eligibility?

The applicant should have a disability of more than 40%.

Is UDID registration necessary for applying for this loan?

Yes, UDID registration under the Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice and Empowerment, Government of India, is mandatory for loan amounts of ₹15 lakhs and above.

Is a Parivar Pehchan Patra (PPP ID) required for the application?

Yes, the applicant must have a Parivar Pehchan Patra (PPP ID).

How can one apply for the education loan under this scheme?

Eligible applicants can apply online through the Official Portal- Antyodaya-SARAL Portal at https://saralharyana.gov.in/.

References

Scheme Details
https://kms.saralharyana.nic.in/ViewDoc?Id=dqtBI+sui3UGdiZgKVKJ9Q%3d%3d
Official Website
https://www.haryanascbc.gov.in/contribution-towards-share-capital-to-haryana-backward-classes-and-economically-weaker-sections
Antyodaya-SARAL Portal
https://saralharyana.gov.in/

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Frequently asked questions

What is the purpose of Education Loan for Persons with Disabilities- Haryana?
Education Loan for Persons with Disabilities- Haryana is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Education Loan for Persons with Disabilities- Haryana?
Eligibility for Education Loan for Persons with Disabilities- Haryana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Education Loan for Persons with Disabilities- Haryana?
Benefits under Education Loan for Persons with Disabilities- Haryana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Education Loan for Persons with Disabilities- Haryana?
Education Loan for Persons with Disabilities- Haryana is managed by Welfare of Scheduled Caste & Backward Classes Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Education Loan for Persons with Disabilities- Haryana?
Yes, eligible applicants may be able to apply online for Education Loan for Persons with Disabilities- Haryana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Education Loan for Persons with Disabilities- Haryana?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Education Loan for Persons with Disabilities- Haryana?
Applications for Education Loan for Persons with Disabilities- Haryana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Education Loan for Persons with Disabilities- Haryana?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Education Loan for Persons with Disabilities- Haryana?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Education Loan for Persons with Disabilities- Haryana.
Is Education Loan for Persons with Disabilities- Haryana available in all states?
No, Education Loan for Persons with Disabilities- Haryana is primarily available for eligible residents of Haryana and may be implemented through state government departments and local administrative offices.
Can residents outside Haryana apply for Education Loan for Persons with Disabilities- Haryana?
Eligibility for Education Loan for Persons with Disabilities- Haryana is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Can students apply for Education Loan for Persons with Disabilities- Haryana?
Eligible students studying in recognised institutions may apply for Education Loan for Persons with Disabilities- Haryana depending on educational qualification, category, income limit, and academic eligibility.
Is scholarship amount provided under Education Loan for Persons with Disabilities- Haryana?
Education Loan for Persons with Disabilities- Haryana may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.
Does Education Loan for Persons with Disabilities- Haryana provide healthcare or insurance support?
Education Loan for Persons with Disabilities- Haryana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Education Loan for Persons with Disabilities- Haryana at government hospitals?
Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Education Loan for Persons with Disabilities- Haryana?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Education Loan for Persons with Disabilities- Haryana?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Education Loan for Persons with Disabilities- Haryana?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Education Loan for Persons with Disabilities- Haryana in Haryana?
Users in Haryana may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Education Loan for Persons with Disabilities- Haryana applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.