ILSHRWCD
Individual loaning scheme: Haryana Women Development Corporation
6.5/10The scheme aims to provide financial assistance to women for economically viable projects. Through this scheme, subsidies and loans are provided to eligible women for projects costing.
States / UT: Haryana
Nodal department: Women and Child Development Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Women and Child, Banking,Financial Services and Insurance
Sub-categories: Loan
Target beneficiaries: Individual
Tags: Women, Project, Subsidy, Loan
Details
The scheme "Individual Loaning Scheme" by the Haryana Women Development Corporation, Government of Haryana, aims to provide financial assistance to women for economically viable projects. Through this scheme, subsidies and loans are provided to eligible women for projects costing. The scheme is implemented by the Haryana Women Development Corporation.
Benefits
- 1. Financial Assistance: For economically viable projects, the total cost of which should not exceed ₹1,50,000/-. 2. Subsidy:
- 25% (subject to a maximum of ₹10,000/-) for other categories 25% (subject to a maximum of ₹25,000/-) for Scheduled Caste (SC) Categories
- Earlier, the subsidy was only 10% (subject to a maximum of ₹5,000/-) for all categories. 3. Beneficiary Share: 10% of the project cost. 4. Balance Loan Amount: Provided by commercial/nationalised banks
1. Financial Assistance: For economically viable projects, the total cost of which should not exceed ₹1,50,000/-.
2. Subsidy:
- 25% (subject to a maximum of ₹10,000/-) for other categories.
- 25% (subject to a maximum of ₹25,000/-) for Scheduled Caste (SC) Categories.
- Earlier, the subsidy was only 10% (subject to a maximum of ₹5,000/-) for all categories.
3. Beneficiary Share: 10% of the project cost.
4. Balance Loan Amount: Provided by commercial/nationalised banks.
Eligibility
- The applicant must be female.
- The applicant must require a loan for a project not exceeding ₹1,50,000/-.
- The applicant's annual income must be less than ₹1,50,000/- per annum.
- The applicant's spouse or parents are not income tax payees.
- The age of the prospective beneficiary should be between 18 and 60 years at the time of applying for the loan.
How useful is this scheme?
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.
- Accessibility5.0
- Financial impact9.0
- Rural utility6.0
- Awareness4.5
- Simplicity6.0
- Inclusivity9.0
What problem does this scheme solve?
The scheme provides essential financial support to women for project development, but its digital nature may limit accessibility for some.
Key challenges addressed
- Financial assistance for women entrepreneurs
- Support for economically viable projects
Most beneficial for
- Women in Haryana seeking financial independence
- Low-income women needing project funding
Likely challenges
- Digital literacy requirements
- Limited awareness among potential beneficiaries
Practical insights for citizens
The scheme's reliance on digital platforms may hinder access for less tech-savvy women.
Rural challenges
- Limited internet access
- Low digital literacy
Digital challenges
- Dependence on online application process
- Need for mobile and internet access
Implementation bottlenecks
- Awareness of the scheme
- Digital literacy barriers
Awareness challenges
- Limited outreach in rural areas
Application analysis
- Application mode
- Online portal
- Documents burden
- Minimal, no specific documents listed
- Verification complexity
- Moderate, requires OTP verification
- Office dependency
- Low, primarily online
- DBT dependency
- No direct benefit transfer mentioned
- CSC support
- Available at Atal Seva Kendra
- Estimated citizen effort
- Moderate, requires online navigation
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time assistance
- Benefit practicality
- Practical for eligible women with viable projects
- Financial meaningfulness
- Moderate, with a maximum subsidy of ₹25,000 for SC categories
- Long-term impact
- Potentially significant if women successfully establish businesses
Plain-language guidance
This scheme helps women in Haryana get financial support for their projects. Women can apply online for loans and subsidies.
- Who should apply
- Women in Haryana looking for financial assistance for projects.
- Who may struggle
- Women with low digital literacy or limited internet access.
- Best application route
- Apply via the Antyodaya-SARAL Portal or visit a local Atal Seva Kendra.
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.
Login to 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 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 objective of the scheme?
The scheme aims to assist women for economically viable projects.
- Is this scheme only for residents of Haryana?
Yes, the scheme is offered by the Government of Haryana,
- Do I need to be a part of a specific group or organization to apply?
The scheme is for individual women requiring a loan.
- If my spouse is an income tax payee, am I still eligible?
No, if your spouse is an income taxpayer, you are not eligible for assistance.
- How is the 10% beneficiary share to be paid?
The beneficiary share is 10%, and the balance loan amount comes from commercial/nationalised banks.
- If I have an issue with my application, whom should I contact?
You can contact the Helpline at 0172-3968400 or email saral.haryana@gov.in.
- Can I get a physical application form from the Atal Seva Kendra (CSC)?
The document mentions Atal Seva Kendra (CSC) Service Charges, implying interaction with this centre.
- Are there any provisions for women above 60 years of age?
No, the age of the prospective beneficiary should be between 18-60 years.
- Is the scheme open to all female residents, or are there specific demographics?
The scheme is open to female residents of Haryana whose annual income does not exceed ₹1.50 lac and whose spouse/parents are not income tax payers.
- Are there any specific banks I need to approach for the balance loan amount?
The balance loan amount comes from commercial/nationalised banks.
- Can I submit a photo ID other than the ones listed for residence proof?
The listed residence proofs are Ration Card, Parivar Pehchan Patra (PPP), or Family ID.
Official links
References
- Official Website
- https://www.hwdcl.org/revolvingfund.php
- Guidelines
- https://kms.saralharyana.nic.in/ViewDoc?Id=5/nQ7OuNx+eW8brql2UiBQ==
- Online Application
- https://saralharyana.gov.in/
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Individual loaning scheme: Haryana Women Development Corporation?
- Individual loaning scheme: Haryana Women Development Corporation is a government welfare initiative designed to support Individual, Individual through benefits related to Women and Child, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Individual loaning scheme: Haryana Women Development Corporation?
- Eligibility for Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation?
- Benefits under Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation?
- Individual loaning scheme: Haryana Women Development Corporation is managed by Women and Child Development Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Individual loaning scheme: Haryana Women Development Corporation?
- Yes, eligible applicants may be able to apply online for Individual loaning scheme: Haryana Women Development Corporation through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Individual loaning scheme: Haryana Women Development Corporation?
- 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 Individual loaning scheme: Haryana Women Development Corporation?
- Applications for Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation?
- 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 Individual loaning scheme: Haryana Women Development Corporation?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Individual loaning scheme: Haryana Women Development Corporation.
- Is Individual loaning scheme: Haryana Women Development Corporation available in all states?
- No, Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation?
- Eligibility for Individual loaning scheme: Haryana Women Development Corporation is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
- Is Individual loaning scheme: Haryana Women Development Corporation only for women beneficiaries?
- Individual loaning scheme: Haryana Women Development Corporation is primarily intended to support eligible women beneficiaries through welfare assistance, financial support, skill development, healthcare, or social security initiatives.
- Does Individual loaning scheme: Haryana Women Development Corporation support self-employment or financial assistance for women?
- Depending on scheme guidelines, Individual loaning scheme: Haryana Women Development Corporation may provide loans, subsidies, training support, self-employment assistance, or financial welfare benefits for women.
- Does Individual loaning scheme: Haryana Women Development Corporation provide healthcare or insurance support?
- Individual loaning scheme: Haryana Women Development Corporation may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation?
- 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 Individual loaning scheme: Haryana Women Development Corporation?
- 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 Individual loaning scheme: Haryana Women Development Corporation?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Individual loaning scheme: Haryana Women Development Corporation 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 Individual loaning scheme: Haryana Women Development Corporation 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.