The Haryana Government’s Saksham Scheme for Backward Classes (SSBC) gives young professionals from the Backward Classes a loan of up to Rs 10,00,000 to start their own professional practice — a doctor’s clinic, nursing home, physiotherapy clinic, bio-medical lab, lawyer’s office, engineering unit, chemist shop or architect’s office. This is a LOAN scheme, not a grant — the money has to be repaid with interest. The scheme is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCEWKN / HBCKN), and applications are made online through the Antyodaya SARAL portal. This guide gives the eligibility, benefit, documents, full online application process, fees, status check and helpline — and, where information could not be confirmed from official sources, it says so plainly.
Scheme at a Glance
| Point | Detail |
|---|---|
| Scheme name | Saksham Scheme for Backward Classes (SSBC) |
| State / level | Haryana / State scheme |
| Nodal department | Welfare of Scheduled Caste & Backward Classes Department, Haryana |
| Implementing agency | Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCEWKN / HBCKN) |
| Who it is for | Young professionals from Backward Classes (18–35 years), permanent residents of Haryana |
| Benefit | Loan up to Rs 10,00,000 to set up a professional practice |
| Family income limit | Not more than Rs 3,00,000 per year (rural and urban both) |
| How to apply | Online — Antyodaya SARAL portal (saralharyana.gov.in) |
| Application fee | Not stated in any source — see ‘Fees and Timeline’ below |
| Last date | No fixed last date — treated as open through the year |
| DBT | No (myScheme: dbtScheme — No) — this is a loan, not DBT assistance |
What Benefit You Get
Under this scheme you get a loan of up to Rs 10,00,000 to start your own professional practice. The loan amount will depend on your project cost and the Nigam’s sanction — Rs 10 lakh is the maximum cap, not an amount every applicant is guaranteed.
This is a loan, not free money: the amount has to be repaid. myScheme does not state the interest rate, repayment period or instalment pattern — these are fixed at the time of sanction by the Nigam. Do not take the loan without knowing the interest rate; this is stated plainly in the ‘Please Note’ section below.
Which Professions the Loan Covers
As per myScheme, the loan is for setting up one of these professional practices:
| Profession | What you can set up |
|---|---|
| Doctor | Doctors’ Clinic |
| Nursing | Nursing Home |
| Physiotherapy | Physiotherapy Clinic |
| Bio-medical | Bio-Medical Lab |
| Lawyer | Lawyers’ Office |
| Engineer | Engineering Unit |
| Chemist / Pharmacist | Chemist Shop |
| Architect | Architect’s Office |
| Other professionals | Similar professional establishments (myScheme says “etc.”) |
Please note: this scheme is NOT for a general shop or small trade — it is only for professional practice. For general self-employment or small business, the Backward Classes Term Loan Scheme (post 7759) is the separate scheme — the difference is given in the ‘How This Scheme Differs’ section below.
Loan Amount — With Examples
Rs 10 lakh is the maximum cap. The examples below are by calculation only — the final sanction rests with the Nigam:
| Project | Project cost | Loan (maximum) |
|---|---|---|
| Doctor’s clinic | Rs 10,00,000 | Up to Rs 10,00,000 (cap binds) |
| Chemist shop | Rs 6,00,000 | Up to Rs 6,00,000 |
| Lawyer’s office | Rs 4,00,000 | Up to Rs 4,00,000 |
| Bio-medical lab | Rs 8,00,000 | Up to Rs 8,00,000 |
myScheme says nothing about margin money (your own contribution) or any subsidy — so it cannot be stated whether the full project cost will be covered by the loan or whether you must put in part of it yourself. Before sanction, ask the Nigam in writing how much loan, in how many instalments and at what interest rate you will get.
Who Can Apply — Eligibility
The eligibility conditions given on myScheme are these — ALL of them must be met together:
- Permanent resident of Haryana.
- Age between 18 and 35 years.
- Belong to the Backward Class category.
- Annual family income not more than Rs 3,00,000 — in both rural and urban areas.
- Have professional and academic training — that is, have completed the education/training of your profession.
Please note: “professional training” is not spelled out on myScheme — which degree or diploma counts (for example MBBS, LLB, B.Pharm, B.E.) will only be confirmed by the Nigam’s conditions when you apply. Keep your degree papers ready.
Documents Required
myScheme gives no document list. The list below is modelled on Haryana’s similar loan schemes — the list shown on the SARAL form at the time of applying will be final:
- Aadhaar card
- Haryana domicile (residence) certificate
- Backward Classes certificate
- Income certificate (proving family income below Rs 3 lakh per year)
- Parivar Pehchan Patra (PPP Family ID)
- Professional degree / diploma / training certificate (MBBS, LLB, B.Pharm, B.E. — as per your profession)
- Project report — what you plan to set up and what it will cost (the Nigam may ask for it)
- Bank account details (passbook/statement)
- Passport-size photograph and mobile number
How to Apply Online — SARAL Portal
Applications are made online only, through the Antyodaya SARAL portal. The process given on myScheme is:
First — registration on the SARAL portal:
- Step 1: Visit the official website of the Antyodaya SARAL portal — saralharyana.gov.in.
- Step 2: If you are not registered on the portal, register first.
- Step 3: Click on registration under ‘Sign In Here’ and fill in the mandatory details — Name, Email ID, Mobile Number, Password and State — then click ‘Submit’.
- Step 4: Verify your mobile number and email ID through the OTP received — registration is complete.
Then — applying for the scheme:
- Step 1: Log in to the portal with the email ID used while registering.
- Step 2: Enter the password and captcha and click ‘Login’.
- Step 3: After logging in, click on ‘Apply for Services’ and then ‘View all Available Services’.
- Step 4: Search for the scheme in the list — “Saksham Scheme for Backward Classes” — and click on it to fill the application form. (If the scheme does not appear in the list, ask on the SARAL helpline 0172-3968400 — the service name or serial number is not given on myScheme.)
- Step 5: Enter your Parivar Pehchan Patra (PPP) number and click “Click here to Fetch Family Data” — your family members’ details will appear.
- Step 6: Select the beneficiary/applicant’s name and enter the OTP sent to the selected family member’s mobile, then click “Click to Verify”.
- Step 7: Fill in all the mandatory details and upload the mandatory documents.
- Step 8: Preview the application form and click ‘Submit’ — the application is submitted. Keep the Application Reference Number safe.
Offline application: myScheme gives no offline application process for this scheme — only online applications are accepted. If you face difficulty filling the form, you can take help at the nearest Saral Kendra / CSC / Atal Seva Kendra.
What Happens After You Apply
After submission, the Nigam checks the application and documents — eligibility (residence, age, caste, income, professional training) and whether the project is viable. On sanction, the loan amount, interest rate and repayment conditions are communicated. myScheme gives no timeline for scrutiny, sanction or disbursement — so no date is written here by us. Do not buy equipment or sign a rent agreement before sanction.
Fees and Timeline
Application fee: no application fee is stated in any source for this scheme — no figure is invented here. Whatever the portal shows at the time of applying will apply. If you apply through a Saral Kendra / CSC, the centre’s service charge may apply separately — ask before applying.
Last date: myScheme gives no last date — the scheme is treated as open through the year. Still, do check the current status on the portal before applying, because the Nigam can stop applications at any time.
How This Scheme Differs From Similar Ones
There are several schemes with the name “Saksham” — the similar names cause confusion. This scheme is different from all of them:
| Scheme | For whom | Benefit | Difference |
|---|---|---|---|
| This scheme — Saksham Scheme (Backward Classes) | BC young professionals, 18–35 years | Loan up to Rs 10 lakh | For professional practice (clinic, law office) |
| Saksham Yuva Scheme | Educated unemployed youth | Rs 1,200–Rs 3,500/month allowance + Rs 6,000 honorarium | Monthly allowance, not a loan; honorarium for work |
| Contractor Saksham Yuva Scheme (Hindi guide) | CET-qualified engineer youth | Training + Rs 3 lakh interest-free loan | Only for engineers; for works contracting |
| Backward Classes Term Loan Scheme | BC, 18–55 years | Loan up to Rs 25 lakh (NBCFDC revised terms, 1 April 2025) | For general self-employment/trade; higher age limit; higher amount |
| Subsidy for Disabled Young Professionals (SDYP) (Hindi guide) | Disabled young professionals | Loan up to Rs 25 lakh, 5–8% interest | Only for disabled professionals; interest rate stated |
The biggest confusion: the information found on the internet about the “Backward Classes Term Loan” (loan up to Rs 15 lakh, 6–8% interest, age 18–55) is NOT about this scheme — it is about the Term Loan Scheme. This scheme’s interest rate and repayment period are not written on myScheme at all — so do not apply those figures to this scheme.
How to Check Status, Helpline and Contacts
After submitting the application, you can track the status as per myScheme:
- From the portal: visit the SARAL status portal https://status.saralharyana.nic.in/ → select the department and service → enter your Application Reference ID → click ‘CHECK STATUS’.
- By SMS: from your registered mobile number, send an SMS to 7738299899 — type: SARAL<space>Application ID (example: SARAL HR-XXXXXXXX). This is SARAL’s general SMS number.
- SARAL helpline: 0172-3968400 — Email: [email protected]
- Nodal department: Welfare of Scheduled Caste & Backward Classes Department, Haryana.
- Implementing agency: Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCEWKN / HBCKN) — the Nigam’s website (haryanascbc.gov.in) and hbckn.org.in did not open during our research, so the Nigam’s address/phone is not given here — ask the SARAL helpline.
Please Note — Points That Could Not Be Verified
Every figure in this guide is taken from the official source (myScheme). Still, some important points could not be fully verified from any official source — we are not inventing them; please confirm them in writing from the Nigam or the SARAL helpline before applying:
- Interest rate not stated: myScheme gives no interest rate for this scheme. The Term Loan Scheme’s 6–8% or NBCFDC’s 7%/8% rates are NOT this scheme’s — do not apply them here.
- Repayment period / moratorium not stated: in how many years the loan must be repaid and what the instalments will be — myScheme says nothing.
- Margin money / subsidy not stated: whether the full project cost will be covered by the loan or part of it must be put in by you — myScheme says nothing. No subsidy is mentioned for this scheme (unlike LVSH or the Shilpi Samridhi scheme).
- Document list not given: the list above is modelled — the list shown on the SARAL form will be final.
- SARAL service name/serial not found: myScheme does not give the SARAL service name or serial number for this scheme — search for “Saksham Scheme for Backward Classes” in the service list; if it does not appear, ask the helpline.
- Fee / RTS timeline not stated: no fee or timeline is invented here.
- How the money will come: whether the loan comes directly to the account or through a bank — myScheme says nothing; no bank is named.
- Definition of “professional training”: which degree/diploma counts is not spelled out — keep your professional papers ready.
- Already-running practice: whether professionals already running a practice can apply for expansion — myScheme says nothing.
- Age-limit difference: this scheme’s age limit is 18–35, while the Term Loan Scheme’s is 18–55 — they are different schemes; do not mix the conditions.
- Nigam’s contact not found: the Nigam’s website (haryanascbc.gov.in) and hbckn.org.in timed out on 9 November 2026 — so the Nigam’s address/phone is not given here.
- Scheme start year unknown: myScheme gives no start date for the scheme.
- DBT is No: myScheme shows dbtScheme as ‘false’ — this is a loan, not DBT assistance; the disbursement channel is not stated.
Frequently Asked Questions
1. How much loan is given under the Saksham Scheme (Backward Classes)?
Up to Rs 10 lakh — to start your own professional practice (doctor’s clinic, nursing home, law office, chemist shop, engineering unit, and so on). It is a loan, not a grant — the money has to be repaid.
2. Is this the same as the Saksham Yuva Scheme?
No. Under the Saksham Yuva Scheme, unemployed youth get a monthly allowance (Rs 1,200–Rs 3,500) and a Rs 6,000 honorarium for work — there is no loan in it. This scheme is a loan scheme only for young professionals from Backward Classes.
3. What is the interest rate?
myScheme does not state this scheme’s interest rate — so no rate is written here. The 6–8% rate seen on the internet belongs to the Term Loan Scheme, not this one. Ask the Nigam in writing before sanction.
4. Who can apply?
A permanent resident of Haryana, aged 18–35 years, from the Backward Classes, with annual family income not more than Rs 3,00,000, and having completed professional/academic training.
5. Where do I apply?
Online only — through the Antyodaya SARAL portal (saralharyana.gov.in). Register on the portal first, then log in and search for “Saksham Scheme for Backward Classes” and fill the form. PPP Family ID and OTP verification are mandatory.
6. Will I get a loan for a shop or general business too?
No — this scheme is only for professional practice (clinic, nursing home, law office, chemist shop, engineering unit, and so on). For general self-employment or trade, the Backward Classes Term Loan Scheme (post 7759) is the separate scheme.
7. What is the last date to apply?
myScheme gives no last date — the scheme is treated as open through the year. Still, do check the current status on the SARAL portal before applying.
8. How do I check the status?
On the SARAL status portal status.saralharyana.nic.in with your Application Reference ID, or by SMS to 7738299899 from your registered mobile (SARAL<space>Application ID). SARAL helpline: 0172-3968400.
Disclaimer: This information is prepared on 9 November 2026 from myScheme (myscheme.gov.in). The interest rate, repayment period, margin money and document list are not given on myScheme — please confirm them in writing from the Nigam or the SARAL helpline (0172-3968400, [email protected]) before applying. If the rules change, the Department/Nigam’s notification will apply.
Official links: myScheme — https://www.myscheme.gov.in/schemes/ssbc | SARAL portal — https://saralharyana.gov.in/ | Status check — https://status.saralharyana.nic.in/ | Department — http://haryanascbc.gov.in/
