What is the purpose of Education Loan Scheme for Backward Classes Haryana?

Education Loan Scheme for Backward Classes Haryana is a government welfare initiative designed to support Individual, Individual through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Education Loan Scheme for Backward Classes Haryana?

Eligibility for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Benefits under Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Yes, eligible applicants may be able to apply online for Education Loan Scheme for Backward Classes Haryana through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Applications for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Education Loan Scheme for Backward Classes Haryana.

Is Education Loan Scheme for Backward Classes Haryana available in all states?

No, Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?

Eligibility for Education Loan Scheme for Backward Classes Haryana is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.

Can students apply for Education Loan Scheme for Backward Classes Haryana?

Eligible students studying in recognised institutions may apply for Education Loan Scheme for Backward Classes Haryana depending on educational qualification, category, income limit, and academic eligibility.

Is scholarship amount provided under Education Loan Scheme for Backward Classes Haryana?

Education Loan Scheme for Backward Classes Haryana may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.

Can CSC centres help users apply for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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.

ELSBCH

Education Loan Scheme for Backward Classes Haryana

7.0/10

Eligible individuals from Backward Classes in Haryana can benefit from the Education Loan Scheme, which provides financial assistance for pursuing professional and technical education. The scheme allows applicants to secure education loans of up to ₹15,00,000 for studies within India and ₹20,00,000 for studies abroad. The interest rate is set at 4% per annum, with a reduced rate of 3.5% for female students. To qualify, applicants must be between 18 to 55 years of age, permanent residents of Haryana, and have an annual family income not exceeding ₹3,00,000. Additionally, they must belong to Backward Classes, have secured admission to approved professional or technical courses, and achieved a minimum of 50% marks in their qualifying examination. A Pariwar Pehchan Patra (PPP ID) is also required for application. This initiative aims to empower students from marginalized communities by facilitating access to higher education.

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: Social welfare & Empowerment, Education & Learning

Sub-categories: Loan, Universities and higher education

Target beneficiaries: Individual

Tags: Pursing, Professional Degree, Technical Degree, Graduation

Details

The scheme "Education Loan Scheme for Backward Classes" by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana, aims to provide education loans to members of Backward Classes for pursuing professional and technical education at the graduate and higher levels. Through this scheme, education loans are provided to eligible Backward Classes students to help them pursue professional and technical courses. The scheme is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.

Benefits

1. Education loan for pursuing professional and technical education at the graduate and higher levels. 1. The maximum loan amount provided is ₹15 00 000/- for studies in India. 1. The maximum loan amount provided is ₹20 00 000/- for studies abroad. 1. The interest rate is 4% per annum. 1. For girl students the interest rate is 3.5% per annum

Education loan for pursuing professional and technical education at the graduate and higher levels.
The maximum loan amount provided is ₹15,00,000/- for studies in India.
The maximum loan amount provided is ₹20,00,000/- for studies abroad.
The interest rate is 4% per annum.
For girl students, the interest rate is 3.5% per annum.

Eligibility

The applicant should be between 18 to 55 years of age.
The applicant should be a permanent resident of Haryana.
The annual family income of the applicant should not exceed ₹3,00,000/- in both rural and urban areas.
The applicant should belong to Backward Classes.
The applicant should have obtained admission for any professional and technical courses approved by an appropriate agency, such as AICTE, Medical Council of India, UGC, etc., in a duly accredited/recognised institute.
The applicant should have a minimum of 50% marks in the qualifying exam, i.e., the exam whose qualification is a prerequisite for the course.
The applicant should have a Pariwar 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.

7.0

/ 10

Public Benefit Score

Accessibility 6.0/10 Moderate

Rural usefulness 6.0/10 Moderate

Application complexity 4.0/10 Moderate

Financial impact 9.5/10 Good

Literacy barrier 3.0/10 Good

Women inclusivity 9.0/10 Good

Awareness 4.5/10 Moderate

Implementation reliability 7.0/10 Good

Bigger shape means a better fit for citizens

Accessibility6.0
Financial impact9.5
Rural utility6.0
Awareness4.5
Simplicity6.0
Inclusivity9.0

What problem does this scheme solve?

The Education Loan Scheme for Backward Classes Haryana provides essential financial support for students from marginalized communities to pursue higher education.

Key challenges addressed

Access to education for Backward Classes
Financial support for professional and technical courses

Most beneficial for

Students from Backward Classes
Female students due to lower interest rates

Likely challenges

Digital literacy requirements
Awareness of the scheme among potential beneficiaries

Practical insights for citizens

The scheme is practical but may face challenges in rural implementation due to digital barriers.

Rural challenges

Limited internet access
Lack of awareness about the scheme

Digital challenges

Dependence on online application process
Need for digital literacy

Implementation bottlenecks

Verification delays
Potential lack of support for first-time applicants

Awareness challenges

Low awareness in rural areas
Limited outreach programs

Application analysis

Application mode: Online portal
Documents burden: Moderate, requires PPP ID and academic documents
Verification complexity: Moderate, involves age and income verification
Office dependency: Low, primarily online
DBT dependency: No direct benefit transfer
CSC support: Available at local CSCs
Estimated citizen effort: Moderate, requires online registration and application

Estimated beneficiary reach

Rural / urban reach Moderate
Gender reach High
Target income group Low-income families
Occupation reach Students

Benefit analysis

Benefit type: Cash
Benefit frequency: One-time loan disbursement
Benefit practicality: High, as it directly supports education costs
Financial meaningfulness: High, with loans up to ₹20,00,000 for studies abroad
Long-term impact: Positive, enabling higher education and better job prospects

Plain-language guidance

This scheme helps students from Backward Classes in Haryana get loans for higher education. It offers financial support for professional and technical courses.

Who should apply: Students from Backward Classes aged 18-55 with a family income under ₹3,00,000.
Who may struggle: Individuals with low digital literacy or those unaware of the scheme.
Best application route: Apply via the Antyodaya-SARAL Portal or local CSC with required documents.

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 1: Visit the Official Portal: Antyodaya-SARAL Portal.
Step 2: For registration, click on “New User/Register Here” and fill in all the mandatory details,i.e., Name, Email ID, Mobile Number & password. Click on ‘Submit’.
Step 3:**** Verify the OTP received in the provided Email and Mobile Number. Alternatively, click on the Verification Link to activate the profile.

Apply for the Scheme

Step 1: Visit the Official Portal: Antyodaya-SARAL Portal.
Step 2:**** The “Sign in here” option is available on the right side of the screen. Fill in the required credentials and click on the ‘Login’ button.
Step 3: In the opened window, click on “Scheme/Services list”, and a list of schemes will appear on the screen.
Step 4: Now, select the scheme and click on “Apply for Service/Scheme”.
Step 5: Fill in all the details in the online application form and click on "Submit".

Track Your Service Online

Track Application/Appeal: Click here. - Track Ticket: Click here.

Track Your Service Through SMS

Registered Mobile Number: Type 'SARAL' and send it to 9954699899 to track your application. - Other Mobile Number: Type SARAL<space><Application ID/Ticket No.> and send to 9954699899 to track your application/ticket.

Contact Us

Helpline: 0172-3968400 - Email: saral.haryana@gov.in

NOTE:

Govt. Charges: No Fee.

Service Charges: ₹10/-.

Atal Seva Kendra Service Charges: ₹10/-.

Online - via CSC

The eligible applicant may visit the nearest Atal Seva Kendra with all the required documents to apply for the scheme.

Clarifications

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

What is the schemes primarily aimed at?: The scheme is primarily aimed at providing education loans to members of Backward Classes for pursuing professional and technical education at graduate and higher levels.
What is the age limit to be eligible for this education loan scheme?: The applicant's age should be between 18 to 55 years to be eligible for the scheme.
Do I need to be a resident of Haryana to apply for this education loan?: Yes, you must be a permanent resident of Haryana to be eligible for this education loan.
Which social class do I need to belong to to avail of this loan?: You must belong to Backward Classes to be eligible for this education loan scheme.
What kind of courses are covered under this education loan scheme?: The scheme covers professional and technical courses approved by appropriate agencies such as AICTE, Medical Council of India, UGC, etc., in a duly accredited/recognised institute.
Is there a minimum marks requirement in the qualifying exam to be eligible for the loan?: Yes, the applicant should have obtained a minimum of 50% marks in the qualifying exam, which is a prerequisite for the course.
What is the interest rate on the education loan for male students?: The interest rate for the education loan is 4% interest per annum for male students.
Is there a different interest rate for girl students under this scheme?: Yes, for girl students, the education loan is provided at an interest rate of 3.5% per annum.
Does the scheme cover education at higher levels beyond graduate?: Yes, the scheme provides education loans for professional and technical education at higher levels.
Is there a specific name for the department that manages this scheme?: Yes, the scheme is managed by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.
Is there a helpline number available for queries related to the scheme?: Yes, the helpline number is 0172-3968400.
Is there an email address where I can send inquiries regarding the scheme?: Yes, you can send inquiries to saral.haryana@gov.in.
What academic documents from my past qualifications are needed?: You will need to provide your previous qualification certificate.
Will I need to submit details about the course fees?: Yes, a fee structure document is required.

Official links

References

Guidelines: https://kms.saralharyana.nic.in/ViewDoc?Id=PimDcqouTH2TuKlDJGclRQ==
Online Application: https://saralharyana.gov.in/

Apply

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Frequently asked questions

What is the purpose of Education Loan Scheme for Backward Classes Haryana?: Education Loan Scheme for Backward Classes Haryana is a government welfare initiative designed to support Individual, Individual through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Education Loan Scheme for Backward Classes Haryana?: Eligibility for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Benefits under Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Yes, eligible applicants may be able to apply online for Education Loan Scheme for Backward Classes Haryana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Applications for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Education Loan Scheme for Backward Classes Haryana.
Is Education Loan Scheme for Backward Classes Haryana available in all states?: No, Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes Haryana?: Eligibility for Education Loan Scheme for Backward Classes Haryana is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Can students apply for Education Loan Scheme for Backward Classes Haryana?: Eligible students studying in recognised institutions may apply for Education Loan Scheme for Backward Classes Haryana depending on educational qualification, category, income limit, and academic eligibility.
Is scholarship amount provided under Education Loan Scheme for Backward Classes Haryana?: Education Loan Scheme for Backward Classes Haryana may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.
Can CSC centres help users apply for Education Loan Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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 Scheme for Backward Classes 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.