Haryana Mahila Samridhi Yojana — Women Self-Employment Loan

What is Haryana Mahila Samridhi Yojana?

Haryana Mahila Samridhi Yojana is a scheme by the Haryana Scheduled Castes and Backward Classes Corporation (HSCBC) that provides low-interest loans to SC women for starting self-employment ventures. The scheme gives:

• Loans up to ₹60,000
• Interest rate of 5% per year
• Repayment over 3.5 years (42 months)

The scheme is specifically for Scheduled Caste women in Haryana who want to start or expand a small business.

Key Benefits

Eligible Business Activities

The loan can be used for a wide range of self-employment activities:

• Grocery/general store
• Beauty parlour / tailoring
• Food stall / small canteen
• Handicrafts and artisan work
• Dairy — buying cattle/buffalo
• Vegetable/fruit vending
• Mobile/electronics repair shop
• Any other small trade or service business

Who is Eligible?

You ARE eligible if:

• You are a Scheduled Caste (SC) woman
• You are a permanent resident of Haryana
• Your age is 18 to 55 years
• Your family's annual income does not exceed ₹3 lakh
• You have no default on any previous loan
• You have not previously availed of this scheme (first-time applicant)

Documents Required

1. Aadhaar Card — identity proof
2. Caste certificate — SC certificate from competent authority
3. Domicile certificate — Haryana residency
4. Income certificate — annual family income ≤ ₹3 lakh
5. Parivar Pehchaan Patra (PPP) — Haryana family ID
6. Bank passbook — savings account in her name
7. Business plan — brief description of the business to be started
8. Photograph

How to Apply — Step by Step

Step 1 — Apply on Saral Haryana

1. Go to saralharyana.gov.in
2. Register / Login with Aadhaar / PPP
3. Search for "Mahila Samridhi Yojana"
4. Fill the application form with business details
5. Upload documents and submit

Step 2 — Apply at HSCBC District Office

Alternatively, visit the District HSCBC Office (Haryana Scheduled Castes and Backward Classes Corporation) in your district.

Step 3 — Verification

• HSCBC verifies your SC certificate, income, and residence
• A brief interview/counselling session on business plan

Step 4 — Loan Approval and Disbursement

Approved loan is credited to your bank account via DBT.

Step 5 — Repay in EMIs

Repay in equal monthly instalments (EMI) over 42 months. Default-free repayment makes you eligible for future loans from HSCBC.

Frequently Asked Questions

1. My mother-in-law is 58 years old, SC, and wants to start a tailoring business. Is she eligible?

No. The maximum age is 55 years. At 58, she is not eligible for Mahila Samridhi Yojana.

2. Can I take this loan to buy a sewing machine?

Yes. A sewing machine for a tailoring business is an eligible use of the loan amount.

3. I have a OBC certificate, not SC. Is there a similar scheme?

HSCBC has separate loan schemes for Backward Classes (OBC) women as well. Contact the HSCBC district office or visit saralharyana.gov.in for OBC-specific schemes.

4. What happens if I can't repay?

Missing EMIs leads to penalty interest. Continued default can lead to legal action under the corporation's recovery process. If you face financial difficulties, contact HSCBC before defaulting — they may allow rescheduling.

5. I have already availed this loan 3 years ago and fully repaid. Can I apply again?

Yes, if you have fully repaid the previous loan without default. Contact HSCBC district office to confirm eligibility for a repeat loan.

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