FADPD

Financial Assistive Devices for Persons with Disabilities

6.3/10

Implemented by the Haryana Backward Classes & Economically Weaker Sections Kalyan Nigam, the Financial Assistive Devices for Persons with Disabilities scheme provides financial support in the form of loans up to ₹5 lakhs for individuals with disabilities. Eligible applicants must be permanent residents of Haryana, have a disability of at least 40%, and be above 18 years of age (or 14 years for those with mental retardation). The loans can be utilized for purchasing essential assistive devices such as screen readers, motorized tricycles, scooties, and hearing aids, which are crucial for enhancing employability or facilitating self-employment. Applicants must either be employed in reputable organizations or possess confirmed appointment letters, with the head of the organization certifying the necessity of the assistive device. Self-employed individuals can also apply, with their needs assessed by the relevant authority. Applications can be submitted online through the Antyodaya-SARAL Portal, where applicants can also track their application status.

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: PwD, Assistive Devices, Loan, Disability

Details

The scheme "Financial Assistive Devices for Persons with Disabilities" is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under the scheme, loans of up to ₹5 lakhs are provided to persons with disabilities who are either employed in reputable organizations or have received confirmed appointment letters. These loans can be used to purchase assistive devices such as screen readers, motorized tricycles, scooty, hearing aids, etc., including the cost of retrofitting, to enhance their employability or improve self-employment prospects. A person who is a permanent resident of Haryana and has a disability of 40% or more is eligible to avail the benefits under this scheme.

Benefits

  • 1. Under this scheme loans of up to ₹5 lakhs are provided to the target group for the purchase of assistive devices such as screen readers motorized tricycles scooty hearing aids etc including the cost of retrofitting to enhance their employability or improve self-employment prospects
  1. Under this scheme, loans of up to ₹5 lakhs are provided to the target group for the purchase of assistive devices such as screen readers, motorized tricycles, scooty, hearing aids, etc., including the cost of retrofitting, to enhance their employability or improve self-employment prospects.

Eligibility

  1. The applicant should be a permanent resident of Haryana.
  2. The applicant should have a disability of at least 40%.
  3. The age of the applicant should be above 18 years. For persons with mental retardation, the age is relaxed to 14 years instead of the usual 18 years.
  4. The applicant should be employed, either working in a reputable organization or have a confirmed appointment letter.

Note 1: The head of the organization should certify that the proposed assistive device will improve the applicant's employability and that the device is not provided by the organization.
Note 2: For self-employment, the need for an assistive device will be assessed by the authority (SCA/RRB, etc.) scrutinizing the application and will be recommended accordingly.

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.

6.3
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 4.0/10 Moderate
Application complexity 5.0/10 Moderate
Financial impact 9.5/10 Good
Literacy barrier 6.0/10 Moderate
Women inclusivity 6.0/10 Moderate
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 utility4.0
  • Awareness4.5
  • Simplicity5.0
  • Inclusivity6.0

What problem does this scheme solve?

The scheme provides essential financial support for individuals with disabilities in Haryana, facilitating access to assistive devices that enhance employability.

Key challenges addressed

  • Financial barriers for persons with disabilities
  • Access to necessary assistive devices

Most beneficial for

  • Persons with disabilities
  • Individuals seeking employment

Likely challenges

  • Application complexity for semi-literate individuals
  • Digital access issues for rural applicants

Practical insights for citizens

While the scheme is beneficial, the reliance on digital platforms may hinder access for some eligible individuals.

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 bureaucratic hurdles

Awareness challenges

  • Low visibility of the scheme in rural areas
  • Limited outreach efforts

Application analysis

Application mode
Online portal
Documents burden
Minimal, but requires verification of disability and employment
Verification complexity
Moderate, requires certification from employers
Office dependency
Low, primarily online
DBT dependency
No direct benefit transfer involved
CSC support
Limited
Estimated citizen effort
Moderate, requires online navigation and document submission

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Equal
  • Target income group Low-income individuals with disabilities
  • Occupation reach Individuals in reputable organizations or self-employed

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time loan
Benefit practicality
High, as it directly supports purchasing assistive devices
Financial meaningfulness
9
Long-term impact
Positive, as it enhances employability and independence

Plain-language guidance

This scheme offers loans up to ₹5 lakhs for individuals with disabilities in Haryana to buy assistive devices. It helps improve their job prospects and self-employment opportunities.

Who should apply
Individuals with disabilities who are permanent residents of Haryana and have a confirmed job offer.
Who may struggle
Semi-literate individuals and those without internet access.
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: Fill in all the mandatory details and upload all the mandatory documents.
Step 06: 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.

Clarifications

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

Who is eligible for this scheme?

Permanent residents of Haryana with a disability of 40% or more, aged above 18 years (or 14 years for persons with mental retardation), and employed or having a confirmed appointment letter are eligible.

What types of assistive devices can be purchased under this scheme?

Assistive devices include screen readers, motorized tricycles, scooty, hearing aids, and the cost of retrofitting.

How much loan can be availed under this scheme?

Eligible applicants can avail loans up to ₹5 lakhs.

Can self-employed individuals apply for this scheme?

Yes, self-employed individuals can apply, and the need for an assistive device will be assessed by the scrutinizing authority.

Is there an age relaxation for persons with mental retardation?

Yes, the age limit is relaxed to 14 years instead of the usual 18 years for persons with mental retardation.

How can one apply for the scheme?

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

How can applicants track their application status?

Applicants can track their applications through the Antyodaya-SARAL Portal at https://status.saralharyana.nic.in/ by entering their Department Name, Scheme Name, and Application Reference ID.

References

Scheme Details
https://kms.saralharyana.nic.in/ViewDoc?Id=R%2fHWDGyVagIM4PkZHu1DQQ%3d%3d
Scheme Details
https://haryanascbc.gov.in/contribution-towards-share-capital-to-haryana-backward-classes-and-economically-weaker-sections
Antyodaya-SARAL Portal
https://saralharyana.gov.in/

Apply

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Frequently asked questions

What is the purpose of Financial Assistive Devices for Persons with Disabilities?
Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
Eligibility for Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
Benefits under Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
Yes, eligible applicants may be able to apply online for Financial Assistive Devices for Persons with Disabilities through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Financial Assistive Devices for Persons with Disabilities?
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 Financial Assistive Devices for Persons with Disabilities?
Applications for Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
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 Financial Assistive Devices for Persons with Disabilities available in all states?
No, Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
Eligibility for Financial Assistive Devices for Persons with Disabilities is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Does Financial Assistive Devices for Persons with Disabilities provide healthcare or insurance support?
Financial Assistive Devices for Persons with Disabilities may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities?
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 Financial Assistive Devices for Persons with Disabilities?
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 Financial Assistive Devices for Persons with Disabilities?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Financial Assistive Devices for Persons with Disabilities 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 Financial Assistive Devices for Persons with Disabilities 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.