Divyangjan Swavalamban Yojana Haryana: PwD Business Loans

The Divyangjan Swavalamban Yojana is a highly impactful welfare and financial assistance scheme implemented in Haryana through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCN). Supported at the central level by the National Divyangjan Finance and Development Corporation (NDFDC), this scheme provides Persons with Disabilities (PwD) with the vital capital needed to set up small businesses, pursue self-employment, and secure their financial independence.

By offering highly concessional credit, the scheme empowers disabled citizens across Haryana to transition from job seekers to self-reliant entrepreneurs, creating sustainable livelihoods in various sectors.

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Objective of the Scheme

Persons with Disabilities often run into significant structural and societal barriers within the conventional job market. The primary objective of the Divyangjan Swavalamban Yojana is to level the playing field by backing self-employment initiatives with affordable, low-interest business loans. The government aims to give PwD individuals the means to earn their own living, improve their socio-economic status, and participate meaningfully in the state’s economy on their own terms.

Key Benefits and Financial Assistance

The scheme provides a robust financial support system customized to the scale of the proposed business.

1. Loan Amount and Structure

Applicants can secure term loans or working capital loans up to a maximum limit of ₹50 Lakhs. The interest rates are heavily subsidized and scale according to the loan amount:

2. Additional Concessions

• Women’s Rebate: A 1% interest rebate is specifically allowed for women with disabilities (other than Orthopedically Handicapped) for self-employment loans up to ₹50,000.
• Extended Tenure: Borrowers enjoy a flexible repayment tenure that can extend up to a maximum of 10 years, ensuring EMIs remain affordable.
• Zero Prepayment Penalty: Borrowers can clear the loan ahead of schedule without incurring any prepayment or foreclosure charges.

Supported Activities

While the scheme primarily focuses on the service and trading sectors, it broadly supports any viable income-generating activity, including:

• Small Business / Trading: Retail shops, grocery stores, and wholesale distribution.
• Service Sector: Mobile repair shops, tailoring units, computer centers, and diagnostic labs.
• Agriculture & Allied Activities: Dairy farming, poultry, and agricultural equipment custom hiring.
• Transport Sector: Purchasing commercial vehicles (like e-rickshaws or small loaders) for goods and passenger transport.

Eligibility Criteria

To successfully secure funding under the Divyangjan Swavalamban Yojana, applicants must fulfill the following criteria:

• Disability Status: Must hold a valid disability certificate or Unique Disability ID (UDID) confirming a minimum of 40% disability. (UDID is mandatory for loans above ₹15 Lakhs).
• Age Limit: Must be aged between 18 and 55 years. (Note: For individuals with mental retardation, the minimum eligible age is relaxed to 14 years).
• Residency: Must be a permanent resident of Haryana holding a valid Haryana Domicile Certificate.
• Family ID: Must possess an active Parivar Pehchan Patra (PPP ID – Haryana Family ID).
• Credit History: Must have a clean financial track record and not be a defaulter on any previous government-sponsored loan.

Exclusions: Who Cannot Apply

The implementing agency will reject applications that fall under the following conditions:

• Persons without a valid medical board-certified disability certificate.
• Non-residents of Haryana.
• Individuals proposing large-scale, heavy manufacturing sector ventures that fall outside the defined scope of the scheme’s micro-enterprise focus.
• Those who have already availed of and defaulted on similar state or central self-employment loan schemes.

Application Process

The application process in Haryana is streamlined and fully digitized for the convenience of the applicants:

1. Visit the Portal: Go to the official Antyodaya-SARAL Portal of the Haryana Government (saralharyana.gov.in).
2. Register/Login: Create a new user profile using your email ID and mobile number, or log in if you already have an account.
3. Select the Scheme: Click on ‘Apply for Services’, search for the Divyangjan Swavalamban Yojana (under the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam), and select it.
4. Fill the Form: Enter your personal details, Parivar Pehchan Patra (PPP) number, disability details, and your proposed business plan.
5. Upload Documents: Attach clear, scanned copies of all mandatory documents.
6. Submit and Track: Submit the application. You will receive an Application Reference ID which you can use to track the status of your loan approval directly on the SARAL portal.

Documents Required

Keep the following digital and physical documents ready when applying:

• Disability Proof: Valid Disability Certificate (at least 40%) and UDID Card.
• Haryana Specific ID: Parivar Pehchan Patra (PPP ID).
• Identity & Age Proof: Aadhaar Card.
• Address Proof: Haryana Domicile/Resident Certificate.
• Business Details: A detailed business proposal, project report, or description of the intended income-generating activity.
• Banking Details: A clear copy of the bank account passbook.
• Photographs: Recent passport-size photographs of the applicant.

Frequently Asked Questions (FAQ)