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Banking,Financial Services and Insurance; Business & Entrepreneurship

Trade and Business Sector Scheme (HSFDC)

Under this scheme, the Corporation provides loans/benefits to individuals from BPL families, whose annual family income does not exceed ₹1,80,000/-, in both rural & urban areas for various self-employment income-generating activities such as running a stationery shop, kiryana shop, cloth shop, etc.

Authority

State/ UT

Region

Haryana

Status

Verified 2026

Updated

March 2026

What you get

Project Cost Ceiling: | - Up to ₹1,50,000/-. | Subsidy: | - Subsidy @ 50% of the total project cost (Maximum amount of subsidy is ₹10,000/-) | Margin Money: | - The Corporation provides margin money @ 10% of the project cost. | - Margin money is provided @ 4% interest per annum. | - The interest on bank loans is charged by the banks at their lending policies. | Bank Loan: | - Besides subsidy and margin money, the composite loan i.e. subsidy and margin money, and the balance amount of the bank loan is provided by the banks to the seller of the assets on behalf of the beneficiaries. | Interest criteria for the loan amount recoverable by HSFDC: | Upto Amount (₹)Interest % P.A.Penal Interest % P.A.15,000/- 4 4 | Interest Starts onPenalty Start AfterPrincipal Recovery Starts AfterInstallment Starts AfterInstallment PeriodSame Day 180 Days 360 Days 180 Days 180 Days

Who can apply

The applicant should be a resident of Haryana.; The applicant should belong to the Scheduled Caste Category.; The applicant should belong to the Below Poverty Line (BPL) family.; The applicant's annual family income should not exceed ₹1,80,000/- in both rural and urban areas.; The applicant's annual family income should not exceed the BPL limit.; The applicant's name should be included in the BPL Survey List.

Required Paperwork

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

Common Questions

Who implements the "Trade and Business Sector" scheme?

The scheme is implemented by the Haryana Scheduled Castes Finance and Development Corporation (HSFDC) in collaboration with bank tie-up schemes.

What is the maximum project cost under the scheme?

The project cost ceiling is up to ₹1,50,000/-.

What are the income-generating activities supported by this scheme?

The scheme supports activities such as running a stationery shop, kiryana shop, cloth shop, tea shop, auto repair shop, kabadi shop, fruit shop, beauty parlour, tent house, band party, or any other viable activities.

Is the scheme available to non-scheduled caste individuals?

No, the scheme is specifically designed for individuals belonging to the Scheduled Caste category.

How much subsidy is provided under the scheme?

A subsidy of 50% of the total project cost is provided, with a maximum amount of ₹10,000/-.

What is margin money and how is it provided?

Margin money is provided at 10% of the project cost at an interest rate of 4% per annum.

Who is eligible for the scheme?

Eligibility criteria include being a resident of Haryana, belonging to the Scheduled Caste Category, being part of a Below Poverty Line (BPL) family, and having an annual family income not exceeding ₹1,80,000/-.

What is the income limit for eligibility under this scheme?

The applicant's annual family income should not exceed ₹1,80,000/- in both rural and urban areas.

What verification is required for the eligibility of the applicant?

The eligibility of the applicant is verified by field staff before sponsoring the application to the bank for sanction.

How can one apply for the scheme?

Applicants can visit the official website of Haryana Scheduled Castes Finance and Development Corporation at https://hscfdc.org.in/appreg to apply.

Can applicants from urban areas apply for this scheme?

Yes, applicants from both rural and urban areas can apply, provided they meet the eligibility criteria.