If you are a person with a disability in Haryana and want to start your own small shop or service business — a kirana store, a tailoring shop, a mobile repair shop or a beauty parlour — the government has a loan scheme for you. The name is the Small Business in Service/Trading Sector for Persons with Disabilities scheme — also called the Divyangjan Swavalamban Yojana (DSY). This is a loan, not a grant — the money has to be repaid with interest. On myScheme it appears as Haryana list serial 24 (pages 1–5), slug sbstspddsy, short title SBSTSPD(DSY); the nodal department is the Welfare of Scheduled Castes and Backward Classes Department, and the implementing agency is the Haryana Backward Classes and Economically Weaker Section Kalyan Nigam (HBCKN) — the same Nigam that runs the Backward Classes Term Loan (guide 7759) and the NSKFDC Education Loan (guide 7767) in Haryana.
Biggest confusion first: myScheme and the current NDFDC Guidelines say a loan of up to Rs 50 lakh — but NHFDC’s 2021 documents put a separate limit on the activity itself: Rs 3 lakh for sales/trading work and Rs 5 lakh for service-sector work. Which figure applies to your business today is not settled by the documents — this guide states the conflict openly and tells you to get the correct figure in writing from HBCKN. The same kind of conflict also exists on repayment (7 years versus 10 years), interest rebate (2% + 0.5% versus 1%), age limit (18–55 versus no upper limit) and income limit — all flagged below.
Scheme at a Glance
| Particular | Detail |
|---|---|
| Scheme name | Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana); myScheme Haryana list serial 24 (pages 1–5); myScheme slug sbstspddsy; short title SBSTSPD(DSY) |
| Whose scheme | Central Government’s NDFDC (earlier NHFDC) — implementing agency in Haryana is HBCKN; nodal department — Welfare Department (Scheduled Castes and Backward Classes Welfare) |
| Benefit | Loan up to Rs 50 lakh — for self-employment (myScheme and current Guidelines); but the 2021 limit for service/trading work was Rs 3 lakh (sales/trading) / Rs 5 lakh (service) — conflict below |
| Interest | Simple interest 5%–9% per annum (by amount); rebate for women and timely repayment — see below |
| Who gets it | Haryana permanent resident; 40% or more disability; age 18–55 years (myScheme) — the Guidelines say above 18 years with no upper limit (conflict below) |
| Income condition | myScheme writes no income limit; the old NHFDC form had rural Rs 50,000/year and urban Rs 1,00,000/year — whether it still applies today is unverified (see below) |
| Repayment | Up to 10 years in total per the current NDFDC Guidelines; the old documents write 7 years — conflict below |
| How to apply | Online — Antyodaya SARAL portal; on paper at the HBCKN district office/head office too; service name/serial not verified — search by name (see below) |
| Timeline | No annual last date — apply all year round; RTS timeline and fee not verified (see below) |
| Fee | No fee for this service was verified; the NDFDC Guidelines write a maximum price of Rs 10 for the printed application form |
How Much Loan? — Full Interest Rate List
This scheme’s interest rate depends on the amount of the loan, not on the type of disability. The current rates (simple interest) come from the NDFDC Guidelines for Credit Based Funding (re-read on 9 November 2026; the official PDF is at ndfdc.nic.in, which did not open from here, so the content was re-read from a mirror copy at ndfdcloanaccount.co.in — the content matches the official read of 19 April 2026 exactly; cite only the official URL in the guide). myScheme says the interest “varies by OH/VH/HH/MR category, 5%–9%” — the guidelines say it varies by amount slab. The 2021 NHFDC documents had only four slabs and a maximum of 8% (up to Rs 25 lakh), because the total loan cap then was Rs 25 lakh; the current cap is Rs 50 lakh, so a fifth slab (9% for Rs 30–50 lakh) has been added.
| Loan amount | Interest (per annum, simple) | Note |
|---|---|---|
| Up to Rs 50,000 | 5% | Lowest interest — for small work |
| More than Rs 50,000 and up to Rs 5 lakh | 6% | Most shop/service loans will fall in this slab — the 2021 service limit was also Rs 5 lakh |
| More than Rs 5 lakh and up to Rs 15 lakh | 7% | Current Guidelines; in the 2021 table this slab went up to Rs 25 lakh, at 8% interest |
| More than Rs 15 lakh and up to Rs 30 lakh | 8% | Current Guidelines only — the 2021 table went up to Rs 25 lakh only |
| More than Rs 30 lakh and up to Rs 50 lakh | 9% | Only in the current Guidelines — the 2021 table had no 9% slab at all |
| Rebate for women | 1% rebate | Current Guidelines: 1% rebate for disabled women / persons with a disability other than OH on self-employment loans up to Rs 50,000 |
| Rebate for timely repayment | 1% | Told in the Lok Sabha in December 2024 — 1% rebate since October 2023 for those who repay on time without default; the old (2021) documents write 2% (women) + 0.5% (timely) — conflict below |
| Example — Rs 3 lakh, 6%, 5 years | Total interest Rs 90,000; total repayment Rs 3,90,000; yearly instalment Rs 78,000 | Calculated on simple interest — illustration only; the corporation will fix the actual instalment |
Three worked examples (arithmetic illustrations on the current rates, not official calculations): Rs 3 lakh at 6% for 5 years → interest Rs 90,000, total Rs 3,90,000, about Rs 78,000 a year; Rs 5 lakh at 6% for 7 years → interest Rs 2,10,000, total Rs 7,10,000, about Rs 1,01,429 a year; Rs 50 lakh at 9% for 10 years → interest Rs 45,00,000, total Rs 95,00,000, Rs 9,50,000 a year. Project share: on a Rs 5 lakh project NDFDC gives 90% (Rs 4,50,000), the state corporation 5% (Rs 25,000) and you contribute 5% (Rs 25,000); on a Rs 10 lakh project NDFDC 85% (Rs 8,50,000), the corporation 5% (Rs 50,000) and you contribute 10% (Rs 1,00,000). Note the warning: the Rs 3 lakh and Rs 5 lakh examples assume the loan is available at those amounts — but the 2021 activity-wise caps (trading Rs 3 lakh / service Rs 5 lakh) and the current Rs 50 lakh ceiling conflict, so confirm the eligible amount with HBCKN in writing first.
Which Work Does the Loan Cover?
According to myScheme, this scheme’s loan is for self-employment in many kinds of work — agriculture, small business, transport, service and technical work. But this guide’s subject is only the small business in the service/trading sector — the table below lists each kind of work together with its 2021 limit, so that the difference between the Rs 50 lakh ceiling and the activity-wise limit is clear:
| Work | Examples |
|---|---|
| Sales/trading shop | Kirana, cloth, stationery, general store — 2021 limit Rs 3 lakh |
| Service-sector work | Repair (mobile, electrical), tailoring, beauty parlour, photocopy/xerox, computer centre — 2021 limit Rs 5 lakh |
| Artisan and traditional work | Handicrafts, weaving, pottery, blacksmithy and other traditional trades — included in myScheme; no separate limit written |
| Commercial vehicle | Auto-rickshaw, taxi and work vehicles — 2021 limit Rs 10 lakh (a separate scheme segment) |
| Small industrial / production unit | Manufacturing, fabrication and production units — up to Rs 25 lakh (a separate myScheme scheme — Small Industries Unit, slug siupd) |
| Agriculture and allied work | Crops, irrigation, horticulture, farm machinery — up to Rs 10 lakh (separate guide 7822 — agriculture loan) |
| Technical / professional work | Work linked to professional education — up to Rs 25 lakh under the Young Disabled Professionals scheme; age 18–45 years |
The Biggest Confusion — This Loan vs Other Schemes
There are many schemes for persons with disabilities, and each has different terms — the most common confusion is which scheme is a loan and which is a grant, and which scheme is for which work. The table below makes the difference clear:
| Scheme | For whom | Amount / interest | Special condition |
|---|---|---|---|
| This scheme — service/trading small business loan (NDFDC/HBCKN) | Person with 40%+ disability, for shop/service work | Up to Rs 50 lakh (myScheme); Rs 3–5 lakh in 2021; 5–9% interest | It is a LOAN — it must be repaid; the business must be run by the disabled person (2021 condition) |
| Agriculture loan — NDFDC (guide 7822) | Person with 40%+ disability, for farming | Up to Rs 10 lakh; 5–7% interest | It is a LOAN; agricultural background required (per the old form) |
| Small industry loan — NDFDC (slug siupd) | Person with 40%+ disability, for production/manufacturing | Up to Rs 25 lakh | It is a LOAN; the owner/chief executive must be the disabled person |
| Business premises subsidy — NDFDC (slug sdbppd) | Person with 40%+ disability, to build premises on own land | Up to Rs 3 lakh | The name says “Subsidy”, but the benefit says “loans up to Rs 3 lakh” — conflict below; land must be owned or on a government lease of more than 20 years |
| Backward Classes Term Loan — NBCFDC (guide 7759) | Backward Classes, for any income-generating work | Up to Rs 25 lakh; 7–8% interest | BC category only; income up to Rs 5 lakh; also run by HBCKN |
| NSKFDC Education Loan (guide 7767) | Safai Karamchari families, for studies | Rs 10 lakh (India) / Rs 20 lakh (abroad); 6–7% interest | Only for studies; given by HSFDC |
| Divyang Pension (guide haryana-divyang-pension-3200) | Disabled persons above 18 years | Rs 3,200 a month (from 01.11.2025) | It is a GRANT — never repaid; 60%+ disability (per the district page) |
| Non-School Going Disabled Children Assistance (guide 7814) | Children aged 0–18 who cannot attend school | Rs 2,600 a month per child | It is a GRANT; a children’s scheme — not a loan |
Who Is Eligible?
Every condition below must be met — these conditions come from the myScheme detail (slug sbstspddsy) and the NDFDC’s current Guidelines; wherever sources conflict or a fact is unverified, the guide says so plainly.
| Condition | Detail |
|---|---|
| Indian citizen | The applicant must be an Indian citizen |
| Haryana permanent resident | Permanent resident (domicile) of Haryana — the project must also be in Haryana |
| Disability 40% or more | Certificate from a Central/State Government Medical Board — below 40% disability this loan is not given; disability as defined in the PwD Act 2016; all 21 kinds of disability are included |
| Age 18–55 years (myScheme) | Per myScheme, age must be between 18 and 55 years; but the current Guidelines say only “above 18 years” with no upper limit — conflict below |
| Age relaxation for mental retardation | For persons with mental retardation, age above 14 years — written in both myScheme and the Guidelines |
| UDID registration | UDID registration is compulsory for loans of Rs 15 lakh and above (myScheme); the current Guidelines list UDID possession as a general eligibility condition — conflict below |
| Parivar Pehchan Patra (PPP ID) | The applicant must have a PPP ID — this is a myScheme condition; in a SARAL application the family data is fetched from the Family ID |
| Education/experience and running the business yourself | Relevant education, technical qualification or experience for the work (old form); per the 2021 documents the small business must be run by the disabled person himself/herself, and at least 15% of employees must be disabled — confirm whether this still applies with HBCKN |
| No large outstanding debt | No large outstanding debt with any institution; not a financial defaulter; no loan from any other government agency for the same purpose — an affidavit is required |
Who Is Not Eligible?
In any of the situations below, this loan will not be given — check yourself against this list before applying.
- Disability below 40% — NDFDC gives no loan below 40% disability; the Divyang Pension (60%+) and Divyang Scholarship (40%+) have different conditions — do not mix them with this loan.
- Age below 18 years — the only relaxation is 14 years for mental retardation; for everyone else 18 years is compulsory. myScheme also writes a 55-year upper limit — the Guidelines have no such limit (conflict below).
- Not a Haryana permanent resident — a resident of another state should take a loan from his own state’s channelising agency; HBCKN in Haryana gives loans only to Haryana residents.
- Work outside shop/service — agriculture has the agriculture loan (guide 7822), production has the small industry loan (Rs 25 lakh) and studies have the education loan — this scheme covers only the small business in the service/trading sector.
- Already took a government loan for the same work — if a loan was already taken from another government agency for the same project, the application will be rejected; a false affidavit can also lead to recovery.
- Large outstanding debt or default — if there is a large outstanding debt with any bank/institution, or a default on an earlier loan, no new loan will be given.
The Income Question — The Most Confusing Part
The most tangled question about this scheme is the income limit — and no single source gives a straight answer. The myScheme detail for this scheme writes no income limit — neither rural nor urban. The objectives in the NDFDC’s current Guidelines say loans are given “subject to such income and/or economic criteria as may be prescribed by the Government from time to time” — but the eligibility part of the Guidelines (para 4.1) lists only three conditions: Indian citizen, 40%+ disability, age above 18 — no income figure is written there. On the other hand, NHFDC’s old Common Application Form clearly writes: “Unemployed disabled persons whose family income is less than Rs 50,000 per annum in rural areas and less than Rs 1,00,000 per annum in urban areas” — that form is old (it writes the agriculture loan limit as Rs 5 lakh, while today it is Rs 10 lakh), so whether that limit still applies today is unverified. NDFDC’s micro-finance scheme (a separate scheme) has income limits of Rs 80,000/year rural and Rs 1,00,000/year urban — that is not this scheme’s limit; do not mix them. So before applying, ask HBCKN in writing whether any income limit applies today — and if so, how much. Keeping an income declaration / income certificate ready with the application is safe, whether or not a limit applies.
Documents Required
The list below is made from the checklist in NHFDC’s Common Application Form — myScheme gives no documents list for this scheme, so if even one paper is missing, the case will get stuck; also confirm the exact list with the HBCKN district office before applying.
| No. | Document | Note |
|---|---|---|
| 1 | Disability certificate (40% or more) | From a Central/State Government Medical Board — this is the most important paper; also keep the UDID card ready (UDID compulsory for loans of Rs 15 lakh and above — per myScheme) |
| 2 | Age proof | Birth certificate / panchayat or municipal certificate / school certificate / Class 10 certificate |
| 3 | Haryana residence proof | Domicile certificate / ration card / voter card / Parivar Pehchan Patra (PPP) — PPP ID is separately required per myScheme |
| 4 | Income declaration / income certificate | An income declaration has to be given in the form itself; also keep an income certificate ready — confirm with HBCKN whether a limit applies (see above) |
| 5 | Education/technical qualification and project details | Project name, location, cost, sources of finance, monthly income-expenditure, marketing arrangement, repayment schedule and implementation time — all of these have to be filled in the form |
| 6 | Photos, affidavit, caste certificate and clearances | One passport photo + one full photo; affidavit (no other government loan taken for the same purpose); caste certificate SC/ST/OBC (self-declaration also accepted — current Guidelines); clearances such as pollution control board if needed |
Two more things to know — Aadhaar card and bank passbook are usually asked for in a SARAL application (an application linked to the Parivar Pehchan Patra), so keep them ready too, although myScheme does not mention them separately for this scheme. And the application form has to be submitted in two copies (per the old form) — one copy stays with the corporation, the other with you.
How to Apply
The application for this loan is made online — on the Antyodaya SARAL portal, and also on paper at the HBCKN office. Follow the steps below from the myScheme application process — both routes are given below.
| Step | What to do |
|---|---|
| 1 | Check eligibility — be a Haryana permanent resident, have 40% or more disability, be above 18 years of age (above 14 years for mental retardation), have a PPP ID, and have the qualification/experience for the work |
| 2 | Prepare documents and project — disability certificate, age and residence proof, income declaration, proof of education/experience, project cost and repayment schedule (see the list above) |
| 3 | Register on SARAL — register as a “New User” on saralharyana.gov.in; verify with mobile and email OTP and log in |
| 4 | Find the service — after logging in, go to “Apply for Services” and “View all Available Services”; search for the scheme by name — the SARAL service name and serial for this scheme are not verified, so search by the scheme name and confirm the service yourself |
| 5 | Fill and submit the form — fill all required details, enter the Family ID to fetch family data, verify with OTP, upload documents, review the form and submit; paper route — take the form from the HBCKN district office/head office, fill it in two copies, attach documents and submit; check status on the SARAL status portal with the reference ID, or by SMS — send “SARAL<Application ID>” from the registered mobile to 7738299899 |
Please note — the SARAL service name and serial for this scheme were not found in any source — no name or serial has been invented. The agriculture loan’s service serial 133 (December 2018 list) was found, but that is not this scheme’s serial. So search for the scheme by name on the portal and confirm the service yourself. The SARAL portal did not open from here, so the steps above are taken from myScheme and the SARAL service list — check the service name and form on the portal yourself. If you face any difficulty in the online application, visit the HBCKN district office or head office (SCO 813-14, Sector 22-A, Chandigarh) for help.
Fee, Timeline and Status Check
- Fee: No fee for this SARAL service was found in any official source — no fee has been invented. The NDFDC Guidelines only write that a printed application form may be given for a maximum of Rs 10. If you apply through a CSC, a CSC service charge may apply — ask HBCKN/CSC for the amount.
- Timeline: There is no annual last date — you can apply all year round; no RTS timeline for this service was found in any source — no number of days has been invented.
- Status check: On the SARAL status portal (status.saralharyana.nic.in) enter the department name, scheme name and application reference number; by SMS — send “SARAL<Application ID>” from the registered mobile to 7738299899; you can also ask at the HBCKN office.
- Who will sanction it: Per the old (2021) NHFDC documents, a loan up to Rs 5 lakh is sanctioned by the State Channelising Agency (HBCKN), and a loan above Rs 5 lakh is sanctioned by NDFDC itself — so a Rs 50 lakh loan will come with NDFDC’s sanction; the current Guidelines delegate sanctioning power to the implementing agencies — confirm today’s arrangement with HBCKN.
- Processing time: How many days loan sanction takes is not written in any official source — no number of days has been invented.
How Will the Loan Reach You? — Sanction, Instalments and Repayment
After sanction, the loan money goes straight into your work — the process is as follows:
- Project share — Per the current NDFDC Guidelines, for a project up to Rs 50,000 NDFDC gives 100%; for Rs 50,000–Rs 1 lakh NDFDC 95% + corporation 5%; for Rs 1–5 lakh NDFDC 90% + corporation 5% + your contribution 5%; above Rs 5 lakh (for example Rs 10 lakh) NDFDC 85% + corporation 5% + your contribution 10% — so on a Rs 5 lakh project you pay Rs 25,000 from your pocket, and on a Rs 10 lakh project Rs 1 lakh.
- Moratorium (grace period) — A 3-month grace period is given for principal repayment; the implementing agency can extend it to 1 year (informing NDFDC with reasons). In the old form the moratorium period had to be requested by the applicant with reasons — no fixed period was written.
- Repayment — conflict on the period — The old documents write a maximum of 7 years (including moratorium), the current Guidelines write up to 10 years in total; the Andhra Pradesh implementing agency’s guidelines write repayment of 3 years up to Rs 1 lakh and 5 years up to Rs 5 lakh for service/trading loans — confirm today’s period with HBCKN. In the old form instalments could also be quarterly/half-yearly; agriculture loan instalments are yearly.
- No charge for early repayment — You can repay the whole loan at any time after repayment starts, with no prepayment charge.
- Interest waived on the beneficiary’s death — Per the current Guidelines (para 9), if the beneficiary dies during the loan period, interest is waived from the date of death (subject to conditions and documents).
- What happens on delay — The NDFDC Guidelines write liquidated damages of 3% above the normal rate on overdue payments by the implementing agencies; the penalty at the beneficiary level will be as per the corporation’s own policy — ask HBCKN for the rate; no rate has been invented.
Scale of the Scheme — How Many People in Haryana Got It?
A Haryana-level figure for this scheme alone (only the service/trading loan) was not found in any official source — so no figure has been invented in this guide. The firm figure that was found is for all NDFDC loan schemes together: in its reply to Lok Sabha Starred Question 311 (17 December 2024), the government said that in the five years from 2019-20 to 2023-24, NDFDC gave concessional loans to 88,133 persons with disabilities across India — of whom 4,457 were from Haryana. This count is for all NDFDC schemes (self-employment, agriculture, education, small business, vehicles and others) — so do not take it as the scale of this scheme. HBCKN is also the state channelising agency for NBCFDC and NMDFC — according to a 1998 news report the corporation had set a target of giving Rs 2 crore in loans to 400 disabled persons that year; fresh year-wise figures were not found.
Frequently Asked Questions (FAQ)
1. How much loan will I get under this scheme?
Up to Rs 50 lakh as per myScheme and the current Guidelines — for self-employment. But please note: NHFDC’s 2021 documents write a separate limit for this activity — Rs 3 lakh for sales/trading work and Rs 5 lakh for service-sector work. Get the actually sanctionable amount confirmed in writing from HBCKN; do not take Rs 50 lakh as a guarantee.
2. What is the interest rate — 5%, 6%, 7%, 8% or 9%?
By amount: up to Rs 50,000 — 5%; Rs 50,000 to Rs 5 lakh — 6%; Rs 5 lakh to Rs 15 lakh — 7%; Rs 15 lakh to Rs 30 lakh — 8%; Rs 30 lakh to Rs 50 lakh — 9%. This is simple interest, not compound. A 1% rebate for women (on loans up to Rs 50,000) and a 1% timely repayment rebate are separate — but the rebate figures conflict across sources; see the “conflicts” part below.
3. How much time will I get to repay — 7 years or 10 years?
Both figures are written in different sources — this is one of the biggest conflicts in this guide. The old (2021) NHFDC documents and application form write “all loans must be repaid within 7 years (including moratorium)”; the NDFDC’s current Guidelines (para 4.4) write “up to 10 years in total”. The Andhra Pradesh agency’s guidelines write repayment of 3 years up to Rs 1 lakh and 5 years up to Rs 5 lakh for service/trading loans. Ask HBCKN in writing for today’s period before applying.
4. Is there any income limit?
myScheme writes no income limit. The eligibility part of the NDFDC’s current Guidelines also has no income figure. But NHFDC’s old application form writes rural Rs 50,000/year and urban Rs 1,00,000/year — that form is old and whether the limit still applies today is unverified. Ask HBCKN in writing; keeping an income declaration ready is safe.
5. Will I have to run the shop myself?
Per the 2021 NHFDC documents — yes. For service/trading work the condition is written that the small business must be run by the disabled person himself/herself, and at least 15% of employees must be disabled. This condition is not written in the current Guidelines or myScheme — ask HBCKN whether it still applies today.
6. What is the upper age limit — 55 years?
myScheme writes the age as 18 to 55 years (above 14 years for mental retardation). But the NDFDC’s current Guidelines (para 4.1) write only “above 18 years” — no upper limit is written. The old form writes a minimum age of 18 years and mentions relaxation of the maximum age for professionally qualified persons. Ask HBCKN in writing before applying.
7. Who will sanction a loan above Rs 5 lakh?
Per the old (2021) documents, a loan up to Rs 5 lakh is sanctioned by HBCKN (the State Channelising Agency), and a loan above Rs 5 lakh is sanctioned by NDFDC itself. So a Rs 50 lakh loan will come with NDFDC’s sanction — but the current Guidelines delegate sanctioning power to the implementing agencies, so confirm today’s arrangement with HBCKN.
8. Where do I apply — on SARAL or at the Nigam office?
Both routes exist. Per myScheme, online on the Antyodaya SARAL portal — register, log in, go to “Apply for Services”, search for the scheme by name, fill the form and submit. On paper — take the form from the HBCKN district office or head office (SCO 813-14, Sector 22-A, Chandigarh), fill it in two copies, attach documents and submit. The SARAL service name and serial for this scheme are not verified — search for the scheme by name on the portal and confirm the service yourself.
9. How much money will I have to put in from my own pocket?
By project amount: up to Rs 50,000 — nothing (NDFDC 100%); Rs 50,000–Rs 1 lakh — nothing (NDFDC 95% + corporation 5%); Rs 1–5 lakh — 5%; above Rs 5 lakh — 10% (NDFDC 85% + corporation 5% + your 10%). So on a Rs 5 lakh project you pay Rs 25,000 from your pocket and on a Rs 10 lakh project Rs 1 lakh. This is from the current NDFDC Guidelines (para 4.9).
10. Is this loan ever waived?
No — this loan is not waived. It must be repaid with interest. There is only one relief — per the current Guidelines, if the beneficiary dies during the loan period, interest is waived from the date of death (subject to conditions and documents). There is also a 1% interest rebate for timely repayment (December 2024, Lok Sabha reply).
Official Links and Contacts
The links below are to official sources. ndfdc.nic.in, nhfdc.nic.in, haryanascbc.gov.in, hbckn.org.in, saralharyana.gov.in and kms.saralharyana.nic.in did not open from here — so their links are given for information, with no claim that they are “down”.
- myScheme — scheme detail: myscheme.gov.in/schemes/sbstspddsy — “Small Business in Service/Trading Sector for Persons with Disabilities (Divyangjan Swavalamban Yojana)” (slug sbstspddsy, short title SBSTSPD(DSY)); the loan amount, eligibility and SARAL process are taken from there
- NDFDC — current loan guidelines (PDF): Guidelines for Credit Based Funding — NDFDC — interest rates, repayment (10 years), project share, moratorium and interest waiver on death are taken from there
- NDFDC — official website: ndfdc.nic.in — National Divyangjan Finance and Development Corporation (earlier NHFDC)
- NHFDC — old Common Application Form (PDF): Common Application Form — NHFDC — documents list, income limit (Rs 50,000 rural / Rs 1,00,000 urban), 7-year repayment and eligibility conditions are taken from there
- NHFDC — 2021 loan terms (Amrit Foundation PDF): Income-generation loan from NHFDC — Amrit Foundation of India — activity-wise loan limits (sales Rs 3 lakh / service Rs 5 lakh), interest slabs, 7-year repayment, 2% + 0.5% rebate and sanctioning power are taken from there
- Antyodaya SARAL portal: saralharyana.gov.in — online application; SARAL helpline 0172-3968400; email [email protected]
- HBCKN — Haryana Backward Classes and Economically Weaker Section Kalyan Nigam: SCO 813-14, Sector 22-A, Chandigarh – 160022; phone 0172-2701722, 2701074; email [email protected]
- Welfare Department (Scheduled Castes and Backward Classes), Haryana: Bays 53-54, Kalyan Bhawan, Sector-2, Panchkula – 134109; phone 0172-2564006, 0172-2567009; email [email protected]
- NDFDC — contact: Corporate office, Unit 11-12, DLF Prime Tower, Okhla Phase-I, New Delhi – 110020; phone (011) 45803730; email [email protected] — old registered office: Red Cross Building, Sector-12, Faridabad – 121007; phone (0129) 2287512 / 2287513 / 2226910
- Related guides — Agriculture Loan Rs 10 Lakh: Disabled Farmer Agriculture Loan | Backward Classes Term Loan Rs 25 Lakh: Backward Classes Term Loan | NSKFDC Education Loan: NSKFDC Education Loan | Non-School Going Disabled Children Assistance Rs 2,600: Non-School Going Disabled Children Assistance | Rare Diseases Assistance Rs 3,200: Rare Diseases Assistance | School Uniform Assistance — HLWB: School Uniform Assistance
Disclaimer
This guide was prepared on 9 November 2026 from available official sources — the myScheme Haryana list (serial 24, pages 1–5) and the myScheme detail (slug sbstspddsy, short title SBSTSPD(DSY); read from the myScheme API), the NDFDC’s current “Guidelines for Credit Based Funding” (ndfdc.nic.in — interest rates, repayment, share, moratorium), NHFDC’s old Common Application Form (documents list, income limit, 7-year repayment), NHFDC’s 2021 loan terms (Amrit Foundation PDF — activity-wise loan limits, interest slabs, 7-year repayment, 2% + 0.5% rebate, sanctioning power), the SARAL service list (December 2018 — this scheme’s service name/serial not found), Lok Sabha Starred Question 311 (17 December 2024 — 4,457 Haryana beneficiaries, across all NDFDC schemes) and the Haryana Finance Department’s corporation profile (2019-20 and 2020-21 — HBCKN contacts). Most importantly: in several places in this guide the old and new sources conflict — the loan limit (Rs 50 lakh ceiling versus the 2021 Rs 3 lakh / Rs 5 lakh limits for service/trading work), the repayment period (7 years versus 10 years), the interest rebate (2% + 0.5% versus 1%), the upper age limit (55 years in myScheme versus no limit in the Guidelines), the income limit (the old form’s Rs 50,000/Rs 1,00,000 versus no limit in myScheme) and the UDID condition (Rs 15 lakh and above versus a general condition) — do confirm today’s correct terms in writing with HBCKN; this is a loan, not a grant — the money has to be repaid with interest. The loan amount, interest, eligibility and process may change — do take the latest information in writing from the HBCKN district office before applying. Wherever sources differ or information is unverified (especially the loan limit, repayment period, interest rebate, age limit, income limit, fee, RTS timeline, SARAL service name/serial and Haryana’s service/trading-loan-wise figure), the guide says so clearly. Viksit Haryana is not an official portal of any government department.
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