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Banking,Financial Services and Insurance; Education & Learning

Education Loan Scheme- Credit Line 2 for Minority Community

The scheme is implemented by Haryana Backward Classes & Economically Weaker Sections Kalyan Nigam, aims to provide education loans to sections of minority population on the basis of "Creamy Layer". These loans support pursuing general/professional/technical courses at graduate levels or higher.

Authority

State/ UT

Region

Haryana

Status

Verified 2026

Updated

March 2026

What you get

- Under this scheme, Nigam provides loans of up to ₹20,00,000/- for professional degree courses in India and up to ₹30,00,000/- for courses abroad, with an interest rate of 8% for males and 5% for females. | - The education loans are provided for pursuing general/professional/ technical courses or training at the graduate and/or higher level to minority communities i.e. Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.

Who can apply

The applicant should be a permanent resident of Haryana.; The age of the applicant should be between 16 and 32 years.; The annual family income of the applicant should be between ₹98,001/- to ₹8,00,000/- (Rural Area) and ₹1,20,001 to ₹8,00,000/- (Urban Area).; The applicant should belong to a minority community, i.e., Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.; The applicant should have obtained admission to any professional and technical course approved by an appropriate agency such as AICTE, Medical Council of India, UGC, etc., in a duly accredited/recognized institute.; The applicant must have secured a minimum of 50% marks in the qualifying exam i.e., the exam whose qualification is a pre-requisite for the course.; The applicant should have a Parivaar Pehchan Patra (PPP ID).

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

Who is eligible for the loan?

Applicants must be permanent residents of Haryana, aged between 16 and 32 years, and belong to a minority community (Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains).

What is the "Creamy Layer" income criterion?

The annual family income must be between [?]98,001/- and [?]8,00,000/- for rural areas and [?]1,20,001/- and [?]8,00,000/- for urban areas.

How much loan can be availed for courses in India?

Loans up to [?]20,00,000/- are available for professional degree courses in India.

How much loan can be availed for courses abroad?

Loans up to [?]30,00,000/- are available for courses abroad.

What is the interest rate for males?

The interest rate for males is 8%.

What is the interest rate for females?

The interest rate for females is 5%.

What courses are covered under this scheme?

The scheme covers general, professional, and technical courses or training at the graduate level or higher.

What is the age limit for applicants?

Applicants must be between 16 and 32 years old.

What are the eligible minority communities?

The eligible communities are Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.

Is there a minimum academic requirement?

Yes, applicants must have secured a minimum of 50% marks in the qualifying exam.

How can one apply for the loan?

Applicants can apply online through the Antyodaya-SARAL Portal at https://saralharyana.gov.in/.

Can loans be availed for both graduate and post-graduate courses?

Yes, loans are available for both graduate and post-graduate courses.