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Banking,Financial Services and Insurance; Business & Entrepreneurship

Micro Credit Finance under NSKFDC- Haryana

Under this scheme, loan is provided to Safai Karamchari and their dependents for projects with a maximum cost up to ₹1,00,000/- per beneficiaries for small and petty trade/business and various income generating activities.

Authority

State/ UT

Region

Haryana

Status

Verified 2026

Updated

March 2026

What you get

Project Cost Ceiling: | The Corporation (HSFDC), in collaboration with NSKFDC, provides loans of up to ₹1,00,000/- per beneficiary for small and petty trade/business and various self-employment income-generating activities. | Margin Money: | • The Corporation provides margin money @ 10% of the project cost. | Subsidy: | The corporation provides a subsidy @ 50% of the total project cost (Maximum subsidy amount is ₹10,000/-). | Note: The subsidy is only provided to the beneficiary below the poverty line. | Interest criteria for the loan amount recoverable by HSFDC: | Upto Amount (₹)Interest % P.A.Penal Interest % P.A.1,00,000/-54 | Interest Starts onPenalty Start AfterPrincipal Recovery Starts AfterInstallment Starts AfterInstallment PeriodSame Day30 Days120 Days120 Days 30 Days

Who can apply

The applicant should be a permanent resident of Haryana.; The applicant's age should be between 18 and 55 years.; There is no income limit.; The applicant should be either Safai Karamchari or his/her dependent.

Required Paperwork

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

Common Questions

Who implements the Micro Credit Finance scheme?

The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with the National Safai Karamcharis Finance & Development Corporation (NSKFDC).

When was the HSFDC established?

HSFDC was established on January 2, 1971.

Who is eligible for the loan under this scheme?

Permanent residents of Haryana aged between 18 and 55 who are either Safai Karamcharis or their dependents.

What is the maximum loan amount provided under this scheme?

The maximum loan amount is [?]1,00,000 per beneficiary.

What types of activities can the loan be used for?

The loan can be used for small trades, businesses, and various income-generating activities.

Is there a margin money requirement for the loan?

Yes, the corporation provides margin money at 10% of the project cost.

Is there a subsidy provided under this scheme?

Yes, a subsidy of 50% of the total project cost, up to a maximum of [?]10,000, is provided to beneficiaries living below the poverty line.

Is there an income limit for applicants?

No, there is no income limit for applicants.

How can one apply for the loan?

Applicants can apply online through the official HSFDC website or the Antyodaya-SARAL Portal.

What is the process after applying for the loan?

Applications are scrutinized and verified by District Managers. Eligible cases are sent to NSKFDC for loan sanction, followed by the issuance of the requisite sanction.

What does 'permanent Safai Karamchari' mean?

It refers to a person engaged in or employed for sanitation work, including their dependents.