ISSHSFDC

Industrial Sector Scheme (HSFDC)

Under this scheme, the Corporation provides loans/benefits to individuals from BPL families, whose annual family income does not exceed ₹1,80,000/-, in both rural & urban areas for various self-employment income-generating activities such as carpentry, leather and leather goods manufacturing, etc.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: हरियाणा

नोडल विभाग: Welfare of Scheduled Caste & Backward Classes Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: बैंकिंग, वित्तीय सेवाएँ और बीमा, व्यवसाय और उद्यमिता

उप-श्रेणियाँ: Loan

लक्षित लाभार्थी: व्यक्तिगत

टैग: Industrial Sector, HSFDC, Loan, BPL, Scheduled Caste, Trade, Business, Self-Employment

विवरण

The scheme "Industrial Sector" is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the bank tie-up schemes. The HSFDC is a Company registered under the Companies Act, 1956 on 02.01.1971. It is a wholly Government-owned Corporation with a 51% share of the State Government and a 49% share of the Government of India.
Under this scheme, the Corporation provides loans/benefits to individuals from Below Poverty Line (BPL) families, whose annual family income does not exceed ₹1,80,000/-, in both rural and urban areas for various self-employment income generating activities such as carpentry, leather, and leather goods manufacturing, handloom operations, flour milling, welding work, soap making, mixi manufacturing, and other viable activities.

लाभ

  • Project Cost Ceiling:
  • Up to ₹1,50,000/-. Subsidy:
  • Subsidy @ 50% of the total project cost (Maximum amount of subsidy is ₹10,000/-) Margin Money:
  • The Corporation provides margin money @ 10% of the project cost
  • Margin money is provided @ 4% interest per annum
  • The interest on bank loans is charged by the banks at their lending policies. Bank Loan:
  • Besides subsidy and margin money, the composite loan i.e. subsidy and margin money, and the balance amount of the bank loan is provided by the banks to the seller of the assets on behalf of the beneficiaries. > Interest criteria for the loan amount recoverable by HSFDC: Upto Amount (₹) Interest % P.A. Penal Interest % P.A. 15,000/- 4 4 Interest Starts on Penalty Start After Principal Recovery Starts After Installment Starts After Installment Period Same Day180 Days360 Days180 Days180 Days

Project Cost Ceiling:

  • Up to ₹1,50,000 /-.

Subsidy:

  • Subsidy @ 50% of the total project cost (Maximum amount of subsidy is ₹10,000/-)

Margin Money:

  • The Corporation provides margin money @ 10% of the project cost.
  • Margin money is provided @ 4% interest per annum.
  • The interest on bank loans is charged by the banks at their lending policies.

Bank Loan:

  • Besides subsidy and margin money, the composite loan i.e. subsidy and margin money, and the balance amount of the bank loan is provided by the banks to the seller of the assets on behalf of the beneficiaries.

Interest criteria for the loan amount recoverable by HSFDC:

**Upto Amount (₹)****Interest % P.A.****Penal Interest % P.A.**15,000/- 4 4

Interest Starts onPenalty Start AfterPrincipal Recovery Starts AfterInstallment Starts AfterInstallment PeriodSame Day180 Days360 Days180 Days180 Days

पात्रता

  1. The applicant should be a resident of Haryana.
  2. The applicant should belong to the Scheduled Caste Category.
  3. The applicant should belong to the Below Poverty Line (BPL) family.
  4. The applicant's annual family income should not exceed ₹1,80,000/- in both rural and urban areas.
  5. The applicant's annual family income should not exceed the BPL limit.
  6. The applicant's name should be included in the BPL Survey List.

Note: The eligibility of the applicant is verified by the field staff before sponsoring the same to the bank for sanction.

अपवर्जन


आवेदन प्रक्रिया

Online

> Registration Process on Haryana Scheduled Castes Finance and Development Corporation:

Step 1: Visit the official website of Haryana Scheduled Castes Finance and Development Corporation and select the scheme under ‘Bank Tie-up Scheme’.
Step 2: Click on "Apply for Loan" to begin the registration process.
Step 3: Fill in your details, including your name, Aadhaar number, email, mobile number, and captcha code, then click "Register".
Step 4: Enter the OTP sent to your mobile and click "Submit".
Step 5: The application form will open.
Step 6: Enter your details and upload the required documents.
Step 7: Click "Submit" to complete your application, and you will receive your user ID and password.
> Login to apply for the scheme:

Step 1: Visit the official website of the Haryana Scheduled Castes Finance and Development Corporation and on the home page, click on ‘Login’ option.
Step 2: Enter your user ID/Username, password, and captcha code.
Step 3: Click "Login".
Step 4: Once logged in, the dashboard will open in front of you Click on "Edit Profile".
Step 5: Fill in surety details, upload required documents, and update other details.
Step 6: Click "Final Submit".
Step 7: After submitting, you can print out your application for your reference.

Offline

The Corporation also collects/fills up loan applications in credit camps, Open Darbars, and other functions organized under the supervision of Deputy Commissioners/Additional Deputy Commissioners.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

Who implements the Scheme?
The Haryana Scheduled Castes Finance and Development Corporation (HSFDC) implements the scheme in collaboration with bank tie-up schemes.
Who is eligible for the loan under this scheme?
Individuals from BPL families, whose annual family income does not exceed ₹1,80,000/- and who are residents of Haryana, belonging to the Scheduled Caste Category, are eligible.
What types of trades or businesses are covered under the scheme?
Trades and businesses such as carpentry, leather and leather goods manufacturing, handloom operations, flour milling, welding work, soap making, mixer manufacturing, and other viable trades or businesses are covered.
What is the project cost ceiling for the scheme?
The project cost ceiling is up to ₹1,50,000/-.
Is there a subsidy provided under the scheme?
Yes, a subsidy of 50% of the total project cost, up to a maximum of ₹10,000/-, is provided.
What is margin money in the context of this scheme?
Margin money is provided by the Corporation at 10% of the project cost with an interest rate of 4% per annum.
How is the bank loan structured under this scheme?
Besides subsidy and margin money, banks provide a composite loan (subsidy, margin money, and balance amount of bank loan) to the seller of the assets on behalf of the beneficiaries.
How is the eligibility of the applicant verified?
The eligibility of the applicant is verified by the field staff before sponsoring the application to the bank for sanction.
Can applicants from urban areas apply for this scheme?
Yes, applicants from both rural and urban areas can apply for this scheme.
Where can one apply for the scheme?
Applicants can apply through the official website of the Haryana Scheduled Castes Finance and Development Corporation at [https://hscfdc.org.in/appreg](https://hscfdc.org.in/appreg). <br>
Is the scheme available to non-scheduled caste individuals?
No, the scheme is specifically designed for individuals belonging to the Scheduled Caste category.

संदर्भ

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अभी आवेदन करें

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

  • Aadhaar Card
  • Income Certificate
  • Caste Certificate (if applicable)
  • Residence Proof
  • Bank Account Details
  • Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

  1. Check eligibility criteria
  2. Collect required documents
  3. Fill the application form
  4. Submit the application online or at the relevant office
  5. Track application status