Haryana Laghu Vyavassay Scheme: ₹2 Lakh Loan for SC Entrepreneurs, ₹10,000 Subsidy — Full Details

The Laghu Vyavassay Scheme (LVSH) of the Government of Haryana gives loans to people from the Scheduled Castes (SC) to start their own small business. Under this scheme, a loan is available for economic development projects with a unit cost of up to ₹2,00,000, along with margin money of 10% of the project cost and a subsidy of 50% of the total project cost, subject to a maximum of ₹10,000. The scheme is run by the Haryana Scheduled Castes Finance and Development Corporation (HSCFDC), and the nodal department is the Welfare of Scheduled Caste & Backward Classes Department. Applications are made online through the Antyodaya SARAL portal. This guide covers eligibility, benefits, documents, the complete online and offline application process, fees, status checking and helplines — and wherever a fact could not be confirmed from official sources, that is stated clearly.

Scheme at a glance

Point	Details
Scheme name	Laghu Vyavassay Scheme (LVSH)
State / level	Haryana / State scheme
Nodal department	Welfare of Scheduled Caste & Backward Classes Department, Haryana
Implementing agency	Haryana Scheduled Castes Finance and Development Corporation (HSCFDC)
Benefit	Loan on unit cost up to ₹2,00,000; margin money 10%; subsidy 50%, maximum ₹10,000
Who can apply	Permanent residents of Haryana from the Scheduled Castes, aged 18–45 years
Income ceiling	At least 50% of beneficiaries — annual family income up to ₹1,50,000; remaining 50% — up to ₹3,00,000 (in myScheme’s own words, see below)
How to apply	Online — Antyodaya SARAL portal; offline — HSCFDC office, Panchkula
Application fee	Not stated in myScheme — see ‘Fees and timeline’ below
Last date	No last date in myScheme — applications remain open through the year (see note below)
Interest rate	Not stated in myScheme — confirm in writing from HSCFDC before applying (see below)

Please note: this scheme is NOT for persons with disabilities (PwD) — it is only for applicants from the Scheduled Castes. There is a separate business-loan scheme for persons with disabilities — the Divyangjan Swavalamban Yojana (Small Business in Service/Trading Sector for Persons with Disabilities, myScheme slug sbstspddsy), covered in a separate guide on this site. Do not confuse the two.

What benefit will you get

According to myScheme, the scheme offers three components:

• Loan: a loan for various economic development schemes (income-generating activities) with a unit cost of up to ₹2,00,000. In other words, a business whose total cost is up to ₹2 lakh can be financed.
• Margin money: 10% of the project cost as margin money. This is the applicant’s own share.
• Subsidy: 50% of the total project cost, subject to a maximum of ₹10,000. Note — 50% does not mean a subsidy of ₹1 lakh; the subsidy is capped at ₹10,000.

Worked example (calculated from myScheme’s figures): if your project costs ₹2,00,000, margin money (10%) = ₹20,000, subsidy (50% of the project cost, capped at ₹10,000) = ₹10,000, and the remaining ₹1,70,000 as the loan. This is only an illustration — the final amounts and instalment split are decided by HSCFDC at sanction, so confirm in writing with the Corporation before applying.

This is a loan, not a grant — the amount taken must be repaid with interest. myScheme does not list this scheme as a DBT scheme (dbtScheme: No).

Who can apply — eligibility

myScheme lists these eligibility conditions — all of them must be met together:

• The applicant should be a permanent resident of Haryana.
• The applicant should be from a Scheduled Caste — a caste certificate is required.
• The applicant should be in the age group of 18 to 45 years.
• Income ceiling: myScheme’s own words — “atleast 50% of the beneficiaries having annual family income upto ₹1,50,000/- and balance 50% of the beneficiaries having annual family income upto ₹3,00,000/-.” In other words, half the places are for families with income up to ₹1.5 lakh and the other half for families with income up to ₹3 lakh. HSCFDC’s August 2025 notice puts it more simply as “family income less than ₹3 lakh”.

The scheme is for an individual who wants to start a business — not for an institution or a group. If you have taken a loan under another government loan scheme earlier, or have an old loan outstanding, ask HSCFDC before applying whether you are still eligible — myScheme says nothing about this.

For which kinds of work is the loan given

According to myScheme, the loan is for “various economic development schemes” — that is, any viable self-employment / income-generating activity. myScheme does not publish a list of specific trades. The applicant describes their own business plan in the application — what work they will start, what it will cost, and how it will earn — and the Corporation sanctions it after checking viability. So prepare your business plan clearly before applying: what you will sell or which service you will offer, what it will cost, and what income you expect.

Do not confuse this with other schemes: HSCFDC also runs other schemes that are different — the Micro Finance Scheme (loan up to ₹1 lakh), the Green Business Scheme (up to ₹2 lakh, for environment-friendly work such as e-rickshaws), and the Women Development Corporation’s Individual Loaning Scheme (up to ₹1.5 lakh for women). When applying on SARAL, choose the correct scheme name — “Laghu Vyavassay Scheme”.

Documents required

myScheme does not list the documents. HSCFDC’s August 2025 application notice (Babushahi, 5 August 2025) asked for these documents — always check the current list on the SARAL form or with HSCFDC before applying:

• Aadhaar card
• Caste certificate (Scheduled Caste)
• Parivar Pehchan Patra (PPP / Family ID)
• PAN card
• Bank account details (bank passbook / account number)
• Two passport-size photographs
• Income proof (income certificate / affidavit — as asked in the SARAL form)
• Residence proof (proof of being a permanent resident of Haryana)
• Business plan / project report — the Corporation examines your business plan before sanctioning the loan, so keep the cost and expected income ready (upload whatever the SARAL form asks for in the ‘Attach Annexure’ step)

Keep all documents scanned clearly — in PDF or JPG format for uploading on SARAL — and keep the originals with you. If any document is missing (for example PAN card or PPP), get it made first, because an incomplete application can get stuck.

How to apply online — SARAL portal

Applications are made online through the Antyodaya SARAL portal (saralharyana.gov.in). The process given in myScheme is as follows:

Step 1: Visit the official website of the Antyodaya SARAL portal, saralharyana.gov.in.

Step 2: In the “SIGN IN HERE” section, click “New user? Register here” (if you are applying for the first time, you must register first).

Step 3: The registration form will open in a new window of the browser. Fill in all the mandatory fields. Create a strong password — at least 9 characters, with at least one special character (!@#$%^&*), one numeric, one small case and one upper case letter. Fill in the captcha code and click “Submit”.

Step 4: An OTP will be sent to the email ID and the mobile number given in the registration form. The OTP is for single use only and is valid for 15 minutes from the time of request; the verification link received over email is valid for 48 hours. On successfully validating the email ID and mobile number via OTP, the message “You have successfully registered on https://saralharyana.gov.in/” will be displayed.

Step 5: Visit the SARAL portal again and log in using your Login ID and Password.

Step 6: On the next screen, in the left pane, click on ‘Apply for Service’, then click “View All Available Services”.

Step 7: A list of schemes/services will be shown — search for “Laghu Vyavassay Scheme” and click on it. The online application form will open. (If the scheme name does not appear in the list, ask the SARAL helpline on 0172-3968400 — the service name or serial number is not given in myScheme.)

Step 8: Fill in all the mandatory details in the application form, click on ‘Self-Declaration’, enter the verification code/Captcha and click on the ‘Submit’ button.

Step 9: Preview all the filled details and click on ‘Attach Annexure’. Upload all the mandatory documents and click on ‘Save Annexure’.

Step 10: After verifying all the details, click on the ‘Submit’ button. Take a printout of the generated ‘Acknowledgement Receipt’ for future reference — it carries your application reference number.

If you face difficulty applying online, you can take help at the nearest Saral Kendra / CSC Centre / Atal Seva Kendra — the operator there helps fill the form on your behalf.

Offline application — HSCFDC office

Applications can also be submitted offline at the HSCFDC office. According to HSCFDC’s August 2025 notice:

• Address: Haryana Scheduled Castes Finance and Development Corporation, Plot No. 199, Industrial Area, Phase-1, Panchkula
• Phone: 0172-2991227
• Website: hscfdc.org.in

Carry the documents listed above. Information and forms are also available from the HSCFDC district office in your district — ask the head office (0172-2991227) for its address and phone number. Online application is the main route; if you apply offline, always take an acknowledgement receipt.

Fees and timeline

Application fee: myScheme states no application fee for this scheme, and no RTS (Right to Service) timeline is given either. If any fee appears while filling the form on SARAL, that is what applies. A service charge may apply separately if you apply through a Saral Kendra/CSC Centre — ask before applying. No fee amount is written here by us, because no official source states one.

Last date: myScheme lists no last date for the scheme (schemeCloseDate: null) — applications remain open through the year. Please note: HSCFDC’s August 2025 notice had a last date of 21 August 2025, but that was only for that particular application drive, not a permanent last date for the scheme — that date has passed, so do not read it as this scheme’s last date. If a new drive or date is announced, only the Corporation’s notice will apply.

How long does the loan take: myScheme and the available notice state no timeline for sanction or disbursement. The loan is released after document verification, review of the business plan and sanction — ask HSCFDC how long that takes. Keep your reference number safe after applying and keep checking the status.

How to check your application status

After submitting the application, you can check its status in two ways (as per myScheme):

1. Through the portal: Visit the SARAL status portal https://status.saralharyana.nic.in/ → click “Tracking Feature” → select the department and service from the dropdown → enter your Appeal/Application Reference ID → click “CHECK STATUS”.

2. Through SMS: From your registered mobile number, send an SMS to 7738299899 — write: SARAL<space>Application ID (for example: SARAL HR-XXXXXXXX).

Understand what the status means — if it shows “Objection” or asks for documents, reply within the given time, otherwise the application can get stuck.

Helpline

• SARAL helpline: 0172-3968400 (7:00 AM to 8:00 PM; Monday to Saturday, excluding government holidays) — email: [email protected]
• HSCFDC (Corporation): 0172-2991227 — Address: Plot No. 199, Industrial Area, Phase-1, Panchkula
• SARAL user manual: https://saralharyana.gov.in/resources/homePage/6/pdf/Using%20Saral.pdf

Please note — facts that could not be verified

Every figure in this guide comes from an official source (myScheme or HSCFDC’s public notice). But some important points are not found in any official source — we are not inventing them; please confirm them in writing from HSCFDC before applying:

• Interest rate not found: the interest rate on this loan is not stated in myScheme, and the HSCFDC website and guidelines PDF were not opening at the time of our research. A rate of 14% for another state’s corporation appears on the internet, but that is not Haryana’s scheme — do not treat it as this scheme’s rate. Get the interest rate, repayment period and moratorium from HSCFDC (0172-2991227).
• Repayment period not found: in how many years, and in how many instalments, the loan must be repaid — this is also not stated in myScheme.
• Who disburses the loan — Corporation or bank: myScheme does not make it clear whether the loan is given directly by HSCFDC or through a bank. Ask the Corporation how the money will reach your account after sanction.
• The ₹1.5 lakh claim may be wrong: a poster by a CSC agent on social media mentions “loan up to ₹1.5 lakh” and a “last date of 31 December 2026” for this scheme — this does not match myScheme’s ₹2,00,000 figure, and the poster is not an official source, so we have not used it in this guide. Treat myScheme’s ₹2,00,000 as the correct figure.
• The income-ceiling wording: myScheme’s income-ceiling language is a little awkward (50% of beneficiaries up to ₹1.5 lakh, 50% up to ₹3 lakh) — we have reproduced it as it is. Which category your income falls into will be decided by the Corporation at the time of application.
• Websites were not opening: at the time of our research, hscfdc.org.in, saralharyana.gov.in and kms.saralharyana.nic.in (the guidelines PDF) were not opening — so the conditions inside the guidelines PDF could not be read. Whatever conditions and document list appear on the SARAL form at the time of applying will be final.

Frequently asked questions (FAQ)

1. How much loan is given under the Laghu Vyavassay Scheme?

A loan is given for a project with a unit cost of up to ₹2,00,000. Along with it, margin money of 10% of the project cost and a subsidy of 50% (maximum ₹10,000) are available.

2. How much subsidy will I get?

50% of the total project cost, subject to a maximum of ₹10,000. Even on a ₹2 lakh project the subsidy will be ₹10,000, not ₹1 lakh — because the upper limit is ₹10,000.

3. Who can apply?

A permanent resident of Haryana from the Scheduled Castes, aged between 18 and 45 years. Income ceiling: at least 50% of beneficiaries with annual family income up to ₹1,50,000 and the remaining 50% with income up to ₹3,00,000.

4. What is the interest rate on the loan?

The interest rate is not stated in myScheme, and the HSCFDC guidelines could not be read at the time of our research, so no rate is written here. Confirm the interest rate and repayment period in writing from HSCFDC (0172-2991227) before applying — do not take another state or another scheme’s rate as this scheme’s rate.

5. How do I apply?

Online — register on the Antyodaya SARAL portal (saralharyana.gov.in), search for “Laghu Vyavassay Scheme”, fill the form and upload documents. Offline — apply at the HSCFDC office, Plot No. 199, Industrial Area, Phase-1, Panchkula (Phone: 0172-2991227).

6. Which documents are needed?

Aadhaar card, caste certificate, Parivar Pehchan Patra (PPP), PAN card, bank account details, two passport-size photographs, income proof, and the business plan/project report. The current list shown on the SARAL form at the time of applying will apply.

7. Is this scheme for persons with disabilities?

No. The Laghu Vyavassay Scheme is only for applicants from the Scheduled Castes. There is a separate business-loan scheme for persons with disabilities — the Divyangjan Swavalamban Yojana (Small Business in Service/Trading Sector for Persons with Disabilities), covered in a separate guide on this site.

8. What is the last date to apply?

There is no permanent last date in myScheme — applications remain open through the year. The last date of 21 August 2025 in HSCFDC’s August 2025 notice was only for that particular drive and has passed; do not read it as this scheme’s last date.

Official links

• myScheme — Laghu Vyavassay Scheme: https://www.myscheme.gov.in/schemes/lvsh
• Antyodaya SARAL portal: https://saralharyana.gov.in/
• SARAL status check: https://status.saralharyana.nic.in/
• HSCFDC website: http://hscfdc.org.in
• Scheme guidelines (myScheme reference): https://kms.saralharyana.nic.in/ViewDoc?Id=MxDQfHadxKB6KIsFyql89g==
• SARAL user manual: https://saralharyana.gov.in/resources/homePage/6/pdf/Using%20Saral.pdf

Disclaimer: This information is prepared on 9 November 2026 from myScheme (myscheme.gov.in) and HSCFDC’s public notice. Points such as the interest rate, repayment period and the final document list were not found in official sources — please confirm them in writing from HSCFDC (0172-2991227) or the SARAL helpline (0172-3968400) before applying. If the rules change, the Corporation/Department’s notice will apply.