SSWHRWCD
Subsidized Scheme for Widows: Haryana Women Development Corporation
6.5/10The scheme aims to provide financial assistance to Haryana Domiciled Widow, Divorced, and Legally Separated Women. Through this scheme, a subsidy on the total loan is provided.
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
Target beneficiaries: Individual
Tags: Self Reliant, Economic Status, Social Status, Interest, Loan
Details
The scheme "Subsidized Scheme for Widows" by the Women & Child Development Department, Haryana Government, aims to provide financial assistance to Haryana-domiciled widows, divorced, and Legally Separated Women. Through this scheme, a subsidy on the total loan is provided. The scheme is covered without collateral security by the bank. The scheme is implemented by the Haryana Women Development Corporation.
Benefits
- 1. A 25% flat subsidy subject to a maximum of ₹50 000/-
- will be provided on the total loan (not as a capital subsidy). 1. The beneficiary's share is 10% of the total loan. 1. The maximum loan limit is ₹3 00 000/-. 1. The scheme will be covered under without collateral security by the bank. 1. The balance amount will be covered from commercial/nationalised banks. Mode of Disbursement: The balance amount will be covered from commercial/nationalised banks. Moratorium Period: The moratorium period will be three months after disbursement of the loan
- A 25% flat subsidy, subject to a maximum of ₹50,000/-, will be provided on the total loan (not as a capital subsidy).
- The beneficiary's share is 10% of the total loan.
- The maximum loan limit is ₹3,00,000/-.
- The scheme will be covered under without collateral security by the bank.
- The balance amount will be covered from commercial/nationalised banks.
Mode of Disbursement: The balance amount will be covered from commercial/nationalised banks.
Moratorium Period: The moratorium period will be three months after disbursement of the loan.
Eligibility
- The applicant must be a Haryana-domiciled widow, divorced, or a legally separated Woman.
- The applicant's annual income should not exceed ₹3,00,000/- per annum.
- The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
Exclusions
- No subsidy for interest accrued on a delayed period will be allowed in case of default of payment of EMI.
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 impact8.0
- Rural utility6.0
- Awareness4.5
- Simplicity6.0
- Inclusivity9.0
What problem does this scheme solve?
The scheme provides essential financial support to widows, divorced, and legally separated women in Haryana, promoting their economic independence.
Key challenges addressed
- Financial assistance for widows and separated women
- Access to loans without collateral
Most beneficial for
- Haryana domiciled widows
- Divorced women
- Legally separated women
Likely challenges
- Digital literacy requirements for online application
- Awareness of the scheme among potential beneficiaries
Practical insights for citizens
The scheme's reliance on online applications may hinder access for some rural women.
Rural challenges
- Limited internet access
- Lack of awareness about the scheme
Digital challenges
- Need for digital literacy to navigate online portal
Implementation bottlenecks
- Potential delays in loan disbursement
Awareness challenges
- Low awareness among target beneficiaries
Application analysis
- Application mode
- Online portal
- Documents burden
- Moderate, requires multiple documents
- Verification complexity
- Moderate, involves OTP verification
- Office dependency
- Low, primarily online
- DBT dependency
- No direct benefit transfer mentioned
- CSC support
- Available through Atal Seva Kendra
- Estimated citizen effort
- Moderate effort required for application
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time subsidy on loan
- Benefit practicality
- Practical for eligible women seeking financial support
- Financial meaningfulness
- Significant for low-income beneficiaries
- Long-term impact
- Potentially improves economic status and self-reliance
Plain-language guidance
This scheme helps widows, divorced, and legally separated women in Haryana by providing financial assistance for loans. It offers a subsidy to make loans more affordable.
- Who should apply
- Haryana domiciled widows, divorced, and legally separated women.
- Who may struggle
- Women with low digital literacy or limited internet access.
- Best application route
- Apply via the Antyodaya-SARAL Portal or 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
> Fees For Service:
- Government Charges: ₹0 (No Fee)
- Service Charges: ₹10
- Atal Seva Kendra 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 this scheme by the Women & Child Development Department, Haryana?
This scheme aims to provide financial assistance to Haryana-domiciled widows, Divorced, and Legally Separated Women. It offers a subsidy on loans to help beneficiaries.
- What is the age limit for beneficiaries applying for this loan scheme?
The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
- What kind of women are considered "legally separated" for the purpose of this scheme?
The scheme includes women who are legally separated, as long as they meet the other eligibility criteria. Specific legal definitions are not provided within the document.
- Is the subsidy a capital subsidy?
No, the 25% flat subsidy is not provided as a capital subsidy.
- Do I need to provide any collateral security for the loan under this scheme?
No, this scheme will cover loans without collateral security from the bank.
- Which banks will disburse the balance of the loan?
The balance of the loan will be disbursed from commercial/nationalised banks.
- What documents are required to apply for this scheme if I am a widow?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Husband Death Certificate.
- What documents are needed if I am a divorced woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Divorce Legal Paper.
- What documents do I need if I am a legally separated woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Legally Separated Document.
- What happens if I default on my EMI payments?
No subsidy for interest accrued on a delayed period will be allowed in case of default of payment of EMI.
- Is there a period before I have to start repaying the loan?
Yes, the moratorium period will be three months after the disbursement of the loan.
- Can I apply if I am not domiciled in Haryana?
No, only Haryana Domiciled Widows, Divorced, and Legally Separated Women are eligible.
- Will the bank provide the entire loan amount, or do I need to contribute?
You need to contribute 10% of the total loan as beneficiary share, and the balance will be from commercial/nationalised banks.
Official links
References
- Guidelines
- https://kms.saralharyana.nic.in/ViewDoc?Id=lDknW0Cc5et3t4KVaAkFgQ==
- 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Eligibility for Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Benefits under Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Yes, eligible applicants may be able to apply online for Subsidized Scheme for Widows: Haryana Women Development Corporation through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Applications for Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Subsidized Scheme for Widows: Haryana Women Development Corporation.
- Is Subsidized Scheme for Widows: Haryana Women Development Corporation available in all states?
- No, Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Eligibility for Subsidized Scheme for Widows: Haryana Women Development Corporation is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
- Is Subsidized Scheme for Widows: Haryana Women Development Corporation only for women beneficiaries?
- Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: Haryana Women Development Corporation support self-employment or financial assistance for women?
- Depending on scheme guidelines, Subsidized Scheme for Widows: Haryana Women Development Corporation may provide loans, subsidies, training support, self-employment assistance, or financial welfare benefits for women.
- Who is eligible for pension benefits under Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.
- How are pension benefits provided under Subsidized Scheme for Widows: Haryana Women Development Corporation?
- Pension assistance under Subsidized Scheme for Widows: Haryana Women Development Corporation may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
- Does Subsidized Scheme for Widows: Haryana Women Development Corporation provide healthcare or insurance support?
- Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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 Subsidized Scheme for Widows: 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.