LVSH

Laghu Vyavassay Scheme

5.6/10

Laghu Vyavassay Scheme is an initiative by the Haryana Scheduled Castes Finance and Development Corporation aimed at empowering individuals from Scheduled Castes in Haryana through financial assistance for self-employment and income-generating activities. Under this scheme, eligible applicants can secure loans of up to ₹2,00,000, with a margin money requirement of 10% of the project cost. Additionally, a subsidy of 50% on the total project cost is available, capped at ₹10,000. To qualify, applicants must be permanent residents of Haryana, aged between 18 and 45 years, and belong to a Scheduled Caste. The income ceiling for beneficiaries is structured such that 50% of them have an annual family income of up to ₹1,50,000, while the remaining 50% can have an income of up to ₹3,00,000. The scheme is designed to uplift disadvantaged communities by facilitating access to necessary funds for entrepreneurial ventures.

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: Business & Entrepreneurship

Sub-categories: Loan

Target beneficiaries: Individual

Tags: Loan, Scheduled Caste, Entrepreneurship, Subsidy, Employment

Details

"Laghu Vyavassay Scheme" is an economic empowerment scheme by the Haryana Scheduled Castes Finance and Development Corporation, Government of Haryana. Through this scheme, loans are provided to individuals from Scheduled Castes for the betterment of their economic status through self-employment/ income-generating activities. The applicant should be in the age group of 18 and 45 years, and should be a permanent resident of Haryana.

Benefits

  • - Loan for various economic development schemes having unit cost up to ₹2,00,000/-
  • Margin Money at 10% of the project cost
  • Subsidy at 50% of the total project cost, subject to a maximum of ₹10,000/-

  • Loan for various economic development schemes having unit cost up to ₹2,00,000/-.

  • Margin Money at 10% of the project cost.

  • Subsidy at 50% of the total project cost, subject to a maximum of ₹10,000/-.

Eligibility

  • The applicant should be a permanent resident of Haryana.
  • The applicant should be from a Scheduled Caste.
  • The applicant should be in the age group of 18 to 45 years.
  • The income ceiling is atleast 50% of the beneficiaries having annual family income upto ₹1,50,000/- and balance 50% of the beneficiaries having annual family income upto ₹3,00,000/-.

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.

5.6
/ 10
Public Benefit Score
Accessibility 5.0/10 Moderate
Rural usefulness 3.0/10 Challenging
Application complexity 6.0/10 Moderate
Financial impact 9.0/10 Good
Literacy barrier 6.0/10 Moderate
Women inclusivity 5.0/10 Moderate
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility5.0
  • Financial impact9.0
  • Rural utility3.0
  • Awareness4.5
  • Simplicity4.0
  • Inclusivity5.0

What problem does this scheme solve?

The Laghu Vyavassay Scheme aims to empower Scheduled Caste individuals in Haryana through financial assistance for self-employment.

Key challenges addressed

  • Access to financial resources for self-employment
  • Economic upliftment of Scheduled Castes

Most beneficial for

  • Scheduled Caste individuals aged 18-45
  • Low-income families

Likely challenges

  • Digital literacy requirements
  • Understanding the application process

Practical insights for citizens

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

Rural challenges

  • Limited internet access
  • Digital literacy

Digital challenges

  • Dependence on online application
  • Need for OTP and email verification

Implementation bottlenecks

  • Potential delays in loan processing
  • Verification of eligibility criteria

Awareness challenges

  • Limited outreach to rural populations
  • Need for better communication of benefits

Application analysis

Application mode
Online portal
Documents burden
Minimal, specific documents required
Verification complexity
Moderate, involves OTP verification
Office dependency
Low, primarily online
DBT dependency
Not applicable
CSC support
Available at CSC centres
Estimated citizen effort
Moderate, requires some digital literacy

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Moderate
  • Target income group Low-income families
  • Occupation reach Entrepreneurs and self-employed individuals

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time loan with subsidy
Benefit practicality
Practical for self-employment initiatives
Financial meaningfulness
Significant for low-income individuals
Long-term impact
Potentially positive impact on economic status

Plain-language guidance

The Laghu Vyavassay Scheme helps Scheduled Caste individuals in Haryana get loans for starting their own businesses. It offers financial support to improve their economic situation.

Who should apply
Individuals from Scheduled Castes aged 18-45 in Haryana.
Who may struggle
Those with limited digital skills or access to the internet.
Best application route
Apply via the Antyodaya SARAL Portal or local CSC.

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

Step 1: Visit the official website of the "Antyodaya SARAL" Portal.
Step 2: In the "SIGN IN HERE" section, click "New user? Register here".
Step 3: The registration form will open in a new window of the browser. Fill in all the mandatory fields of the form. Create a strong password. The password should be at least '9' characters with at least one special character(!@#$%^&*), one numeric, one small case and one upper case letter (i.e ADmin@357). Fill in the captcha code and click "Submit".
Step 4: An OTP will be sent to the email ID and the Mobile Number provided in the registration form. The OTP received will be for single use only and will be valid for 15 minutes from the time of request. The verification link received over email will be valid for 48 hours from the time of request. On successfully validating the Email ID and Mobile Number via OTP, the following message will be displayed to the user: "You have successfully registered on https://saralharyana.gov.in/. Please login to the application using your email ID and password".
Step 5: Visit the official website of the "Antyodaya SARAL" Portal. In the "SIGN IN HERE" section, log in using your Login ID and Password.
Step 6: On the next screen, in the left pane, click on ‘Apply for Service’, then click "View All Available Services".
Step 7: You will be shown a list of schemes/services. Click on the scheme you intend to apply for. You will be taken to its online application form.
Step 8: In the application form, fill in all the mandatory details, click on ‘Self-Declaration’. Enter the verification code/Captcha and click on the ‘Submit’ button.
Step 9: Preview all the filled details and click on ‘Attach Annexure’. Upload all the mandatory documents and click on ‘Save Annexure’.
Step 10: After verifying all the details, click on the ‘Submit’ button. Take a printout of the generated ‘Acknowledgement Receipt’ for future reference.
<br>

> Track Your Application/ Appeal

Through Portal
Step 1: Visit the SARAL Portal at https://status.saralharyana.nic.in/
Step 2: Click "Tracking Feature".
Step 3: Select the department and service from the dropdown menu.
Step 4: Enter your Appeal/ Application Reference ID (provided to you when you applied for the service) and click on "CHECK STATUS".
Through SMS
From your registered mobile number, send the following SMS to 7738299899:
SARAL<space>Application ID
<br>

> SARAL Helpline

0172-3968400 (7:00 AM to 8:00 PM; Monday to Saturday, excluding Govt Holidays)
saral.haryana@gov.in
<br>

> User Manual for Application

https://saralharyana.gov.in/resources/homePage/6/pdf/Using%20Saral.pdf

Clarifications

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

Which department/ organisation is the management authority for this scheme?

The Scheme is being implemented and monitored by the Haryana Scheduled Castes Finance and Development Corporation.

What process will be followed by the corporation for the administration of this scheme?

The concerned officials of the corporation shall verify, administer and sanction loans for assistance under this Scheme within their respective jurisdiction on the basis of criteria as decided by the corporation .

What measures are in place to prevent misuse of this scheme?

In case of any misrepresentation of facts or furnishing false information by an applicant, all his/ her claims under the scheme shall be revoked by the corporation.

Is there any application fee is applicable?

No, however ₹10/- may be applicable as service charges.

How to track the applications?

After submitting the application you will be getting an Application Reference ID which you can enter on the homepage to check the status of your application. Also SMS will be sent to you at each step of the application after submitting.

I do not remember my password, what should I do?

In case you do not remember your password please click on forgot password and enter your email id and an email will be sent to you for next steps.

Will I receive any SMS, Email on completing the application?

After each step you will sent an SMS and an Email notifying you of the status and next steps that require any appointment or verification.

Can I save my application and submit again after that?

Yes, you can save the application in middle and you can see the application in the view incomplete applications and you can proceed from their.

How to apply offline? Are there any centres at district, Tehsil, Village level?

The schemes will be available at District, Tehsil and sub division level at Antyodaya Kendra/ SARAL Kendra/ Antyodaya-Saral Kendra. Also this schemes will be available at CSC centres as well.

Can I pay through the portal itself?

Yes, all the intermediary payment steps can be made through the portal itself and acknowledge slip will be generated.

What type of assistance shall be provided by The Corporation in collaboration with NSFDC for a single unit cost upto ₹2,00,000/-.?

The Corporation in collaboration with NSFDC can provide loan for various economic development schemes having unit cost upto ₹2,00,000/-.

What percentage of the project cost does the Corporation provide as margin money?

The Corporation provides margin money at 10% of the project cost.

How much subsidy does the HSFDC corporation provide, and what is the maximum amount of subsidy one can receive for a project?

The corporation (HSFDC) provide subsidy at 50% and maximum amount of subsidy is ₹10,000/- of the total project cost.

References

Guidelines
https://kms.saralharyana.nic.in/ViewDoc?Id=MxDQfHadxKB6KIsFyql89g==

Apply

Apply now

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Frequently asked questions

What is the purpose of Laghu Vyavassay Scheme?
Laghu Vyavassay Scheme is a government welfare initiative designed to support Individual, Individual through benefits related to Business & Entrepreneurship, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Laghu Vyavassay Scheme?
Eligibility for Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme?
Benefits under Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme?
Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme?
Yes, eligible applicants may be able to apply online for Laghu Vyavassay Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Laghu Vyavassay Scheme?
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 Laghu Vyavassay Scheme?
Applications for Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme?
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 Laghu Vyavassay Scheme?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Laghu Vyavassay Scheme.
Is Laghu Vyavassay Scheme available in all states?
No, Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme?
Eligibility for Laghu Vyavassay Scheme is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Does Laghu Vyavassay Scheme provide business loan or startup assistance?
Laghu Vyavassay Scheme may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.
Is collateral required under Laghu Vyavassay Scheme?
Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.
Can CSC centres help users apply for Laghu Vyavassay Scheme?
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 Laghu Vyavassay Scheme?
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 Laghu Vyavassay Scheme?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Laghu Vyavassay Scheme 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 Laghu Vyavassay Scheme 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.