What is the purpose of Term Loan Scheme for Backward Classes?

Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

Eligibility for Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

Benefits under Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

Yes, eligible applicants may be able to apply online for Term Loan Scheme for Backward Classes through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Term Loan Scheme for Backward Classes?

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 Term Loan Scheme for Backward Classes?

Applications for Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

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 Term Loan Scheme for Backward Classes?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Term Loan Scheme for Backward Classes.

Is Term Loan Scheme for Backward Classes available in all states?

No, Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes?

Eligibility for Term Loan Scheme for Backward Classes is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.

Does Term Loan Scheme for Backward Classes provide healthcare or insurance support?

Term Loan Scheme for Backward Classes may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can beneficiaries use Term Loan Scheme for Backward Classes 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.

Does Term Loan Scheme for Backward Classes provide business loan or startup assistance?

Term Loan Scheme for Backward Classes may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.

Is collateral required under Term Loan Scheme for Backward Classes?

Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.

Can CSC centres help users apply for Term Loan Scheme for Backward Classes?

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 Term Loan Scheme for Backward Classes?

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 Term Loan Scheme for Backward Classes?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Term Loan Scheme for Backward Classes 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 Term Loan Scheme for Backward Classes 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.

TLSBC

Term Loan Scheme for Backward Classes

6.3/10

Implemented by the Haryana Backward Classes & Economically Weaker Sections Kalyan Nigam, the Term Loan Scheme for Backward Classes provides financial assistance in the form of loans up to ₹15,00,000 to individuals from Backward Classes. These loans are offered at a competitive annual interest rate ranging from 6% to 8%, aimed at enhancing the employability of beneficiaries. To qualify for this scheme, applicants must be permanent residents of Haryana, aged between 18 and 55 years, and have a family income not exceeding ₹3,00,000, regardless of whether they reside in rural or urban areas. Additionally, applicants must possess a Parivar Pehchan Patra (PPP ID) to be eligible. This initiative not only supports individuals in their entrepreneurial endeavors but also contributes to the overall economic upliftment of the Backward Classes in the state.

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, Business & Entrepreneurship

Sub-categories: Loan

Target beneficiaries: Individual

Tags: Term Loan, Backward Classes, Loan Assistance, Employability

Details

The scheme "Term Loan Scheme for Backward Classes" is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, Government of Haryana. Under this scheme, loans of up to ₹15,00,000/- are provided at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability. This applies to those with an annual family income of up to ₹3,00,000/- in both rural and urban areas. Applicants must be between 18 and 55 years old, permanent residents of Haryana, and belong to the Backward Classes.

Benefits

1. Under the scheme
Nigam provides loans of up to ₹15 00 000/- at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability

Under the scheme, Nigam provides loans of up to ₹15,00,000/- at an annual interest rate of 6% to 8% to individuals from the Backward Classes to enhance their employability.

Eligibility

The applicant should be a permanent resident of Haryana.
The applicant should be between 18 and 55 years old.
The applicant should belong to the Backward Classes category.
The annual family income of the applicant should not exceed ₹3,00,000/- in both rural and urban areas.
The applicant should have a Parivar Pehchan Patra (PPP ID).

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 6.0/10 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 8.0/10 Good

Bigger shape means a better fit for citizens

Accessibility6.0
Financial impact9.5
Rural utility4.0
Awareness4.5
Simplicity4.0
Inclusivity6.0

What problem does this scheme solve?

The Term Loan Scheme for Backward Classes provides significant financial support to individuals from backward classes in Haryana, enhancing their employability.

Key challenges addressed

Access to financial resources for entrepreneurship
Support for employability among backward classes

Most beneficial for

Individuals from backward classes seeking financial assistance
Young adults aged 18-55

Likely challenges

Digital literacy barriers for application
Awareness of the scheme among potential beneficiaries

Practical insights for citizens

The scheme is practical but may face challenges in reaching the most marginalized due to digital barriers.

Rural challenges

Limited digital literacy
Access to the internet

Digital challenges

Dependence on online application process

Implementation bottlenecks

Awareness and outreach to potential beneficiaries

Awareness challenges

Low awareness among backward classes about the scheme

Application analysis

Application mode: Online portal
Documents burden: Minimal, requires PPP ID
Verification complexity: Moderate, involves OTP verification
Office dependency: Low, primarily online
DBT dependency: No direct benefit transfer mentioned
CSC support: Not specified
Estimated citizen effort: Moderate, requires online navigation

Estimated beneficiary reach

Rural / urban reach Moderate
Gender reach Moderate
Target income group Low-income families
Occupation reach Entrepreneurs, job seekers

Benefit analysis

Benefit type: Cash
Benefit frequency: One-time loan
Benefit practicality: High, as it provides substantial financial support
Financial meaningfulness: 9
Long-term impact: Potentially significant if used for entrepreneurship

Plain-language guidance

This scheme offers loans up to ₹15,00,000 to individuals from backward classes in Haryana to help them start businesses and improve their job prospects. Applicants must be between 18 and 55 years old and have a family income below ₹3,00,000.

Who should apply: Individuals from backward classes in Haryana looking for financial assistance.
Who may struggle: Those with limited digital skills or access to the internet.
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.
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: Enter your Parivar Pehchan Patra number - Family ID and click on “Click here to Fetch Family Data” which displays the family members registered under the given Family ID.
Step 06: Select the beneficiary/applicant name and enter the OTP that is being sent to the selected family member for verification. Click on “Click to Verify”
Step 07: Fill in all the mandatory details and upload all the mandatory documents.
Step 08: 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).

What is the maximum loan amount provided under this scheme?: The maximum loan amount provided under this scheme is ₹15,00,000/-.
What is the interest rate for loans under this scheme?: The interest rate for loans under this scheme ranges from 6% to 8% per annum.
Is there an age limit to apply for this scheme?: Yes, applicants must be between 18 and 55 years old.
Can an individual from urban areas apply for this scheme?: Yes, individuals from both rural and urban areas can apply, provided their annual family income does not exceed ₹3,00,000/-.
Do I need to be a permanent resident of Haryana to apply?: Yes, applicants must be permanent residents of Haryana.
Can applicants from other states apply for this scheme?: No, only permanent residents of Haryana are eligible to apply.
How can I apply for this scheme?: Eligible applicants can apply online through the Antyodaya-SARAL Portal at https://saralharyana.gov.in/.
How can I track my application status?: Applicants can track their applications through the Antyodaya-SARAL Portal by entering their Department Name, Scheme Name, and Application Reference ID at https://status.saralharyana.nic.in/.

Official links

References

Scheme Details: https://kms.saralharyana.nic.in/ViewDoc?Id=0xaoajvXsza%2fY5ALyvrFbA%3d%3d
Official Website: https://www.haryanascbc.gov.in/contribution-towards-share-capital-to-haryana-backward-classes-and-economically-weaker-sections
Antyodaya-SARAL Portal: https://saralharyana.gov.in/

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Frequently asked questions

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