The Shilpi Samridhi Yojana (SSYH) gives Scheduled Caste artisan families in Haryana a small but useful loan — to start a small venture based on their craft or to expand an existing one. The scheme is run through the Haryana Scheduled Castes Finance and Development Corporation (HSCFDC). This guide gives you the benefit, eligibility, documents, the full online application process, fees, status check and helpline — and also the points that could not be fully verified from official sources.
Scheme at a Glance
| Point | Detail |
|---|---|
| Scheme name | Shilpi Samridhi Yojana (SSYH) |
| 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) |
| Who it is for | Scheduled Caste artisan families of Haryana (individual beneficiaries) |
| Benefit | Loan for economic development activities — project cost up to Rs 50,000 |
| Margin money | 10% of the project cost |
| Subsidy | 50% of the total project cost, maximum Rs 10,000 |
| How to apply | Online — Antyodaya SARAL portal |
| Application fee | No fee (no fee is recorded on myScheme) |
| Last date | No fixed last date — open through the year |
| Current status | Live scheme (listed on myScheme) |
What Benefit You Get
This scheme is a LOAN, not a grant — but the loan comes with two reliefs: margin money of 10% of the project cost and a subsidy of 50% (maximum Rs 10,000). So on a project of up to Rs 50,000, you do not have to repay the full amount as a loan — the subsidy portion does not have to be repaid.
- Loan: for various economic development activities — project cost up to Rs 50,000.
- Margin money: 10% of the project cost.
- Subsidy: 50% of the total project cost, subject to a maximum of Rs 10,000.
How the Subsidy Is Calculated
The subsidy is 50% of the project cost, but it never goes above Rs 10,000. So on a small project you get the full 50%, while on a project above Rs 20,000 the subsidy stops at Rs 10,000. The examples below are worked out by calculation:
| Project cost | Subsidy (50%, max Rs 10,000) | Margin money (10%) | Loan amount |
|---|---|---|---|
| Rs 10,000 | Rs 5,000 | Rs 1,000 | Rs 4,000 |
| Rs 20,000 | Rs 10,000 | Rs 2,000 | Rs 8,000 |
| Rs 50,000 | Rs 10,000 (cap applies) | Rs 5,000 | Rs 35,000 |
Please note: on a Rs 50,000 project, 50% would work out to Rs 25,000 as subsidy, but the maximum cap is Rs 10,000 — so the subsidy is Rs 10,000 and the loan is Rs 35,000. Loan amount = project cost − subsidy − margin money.
Who Can Apply — Eligibility
As per myScheme, the applicant must meet ALL of these conditions together:
- The applicant should be a permanent resident of Haryana.
- The applicant should belong to the Scheduled Caste category.
- The applicant’s annual family income should not exceed Rs 3,00,000.
- The applicant should be in the age group of 18 to 45 years.
- The applicant should have adequate knowledge and experience of the craft/trade.
- The applicant should not have misused a previous loan obtained from the Corporation.
- The applicant should not have any other similar unit.
- The applicant should not be a defaulter of the Corporation/banks.
This scheme is meant especially for artisan families — families engaged in a traditional craft (such as pottery, weaving, leather work, woodwork, tailoring-embroidery). myScheme does not give a list of which crafts are covered — before starting your work, ask the Corporation in writing whether your trade comes under this scheme.
What the Loan Can Be Used For
As per myScheme, the loan is for “various economic development activities”. That means an artisan can start a small venture based on their craft or expand an existing one. For example:
- Traditional crafts such as pottery, weaving, leather work, woodwork and metal work
- A small tailoring-embroidery, weaving or handicraft unit
- Buying tools, raw material or small machinery for the craft
- A small shop or stall to sell the finished goods
- Any other self-employment linked to your craft
Note: the activities above are only examples — myScheme gives no list of approved trades. Confirm with the district office or the Corporation before applying.
Documents Required
myScheme gives no document list for this scheme. The list below is modelled on Haryana’s other HSCFDC loan schemes and the SARAL portal’s general process — the final list will be the one shown on the SARAL form when you fill it:
- Aadhaar card
- Parivar Pehchan Patra (PPP Family ID)
- Scheduled Caste certificate
- Haryana domicile (residence) certificate
- Income certificate (annual income below Rs 3,00,000)
- Age proof (birth certificate / Class 10 marksheet / Aadhaar)
- Copy of the bank account passbook
- Passport-size photograph
- Project details — what the loan is for, the estimated cost and expected income
- Any proof of knowledge or experience of the craft/trade (if available)
While uploading documents, make sure the scans are clear and the file size is within the portal’s limit. An incomplete application can be returned.
How to Apply Online
Applications are made online — through the Antyodaya SARAL portal (saralharyana.gov.in). The process given on myScheme is:
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”.
Step 3: The registration form will open — fill in all the mandatory fields, create a strong password (at least 9 characters, with one special character, one number, one small letter and one capital letter — e.g. ADmin@357), fill in the captcha and click “Submit”.
Step 4: An OTP will come on your email and mobile — the OTP is valid for 15 minutes; the verification link sent on email is valid for 48 hours. On verification you will see the message “You have successfully registered”.
Step 5: Log in to the SARAL portal with your Login ID and password.
Step 6: In the left pane, click “Apply for Service”, then “View All Available Services”.
Step 7: Search for this scheme in the list of schemes/services and select it — the online application form will open.
Step 8: Fill in all the details in the online application form, click “Self-Declaration”, enter the verification code/captcha and click “Submit”.
Step 9: Preview the filled details, click “Attach Annexure”, upload all the mandatory documents and click “Save Annexure”.
Step 10: After verifying the details, click “Submit” — take a printout of the generated “Acknowledgement Receipt” and keep it safely; it carries your Application Reference Number.
If you face difficulty applying online, you can take help at the nearest Saral Kendra / CSC / Atal Seva Kendra — they help with filling the form.
Fees
Application fee: No fee. No government fee is recorded for this service on myScheme. If you apply through a Saral Kendra or CSC, the centre’s service charge may apply separately — ask before applying. The cost of getting certificates made is the applicant’s own.
How to Check Application Status, Helpline and Contacts
1. From the portal: visit the status portal https://status.saralharyana.nic.in/ → click “Tracking Feature” → select the department and service → enter your Application Reference ID and click “CHECK STATUS”.
2. By SMS: from your registered mobile number, send an SMS to 7738299899 — type: SARAL<space>Application ID (example: SARAL HR-XXXXXXXX).
- SARAL helpline: 0172-3968400 (7:00 AM to 8:00 PM, Monday to Saturday, excluding government holidays) — Email: [email protected]
- Corporation office: Haryana Scheduled Castes Finance and Development Corporation (HSCFDC), Plot No. 199, Industrial Area Phase-1, Panchkula — Phone 0172-2991227 (as per our Laghu Vyavassay Scheme guide; please confirm on phone before visiting)
- Portals: saralharyana.gov.in | Status: status.saralharyana.nic.in
How the Money Reaches You — Loan, Margin Money and Subsidy
After sanction, the money is split into three parts — subsidy, margin money and loan. As per myScheme, the pattern is:
| Part | How much | Who gives it / who repays it |
|---|---|---|
| Subsidy | 50% of the project cost, maximum Rs 10,000 | From the government — not to be repaid |
| Margin money | 10% of the project cost | The beneficiary’s own contribution (as per the standard pattern — see below) |
| Loan | The remaining amount (project cost − subsidy − margin money) | From the Corporation/bank — to be repaid in instalments |
| Interest rate | Not recorded on myScheme | Ask the Corporation in writing before applying |
Interest and repayment: myScheme states neither the interest rate nor the repayment period. A secondary source (IndiaFilings) on NSFDC’s national Shilpi Samridhi Yojana says the interest is 5% per annum and the loan is to be repaid in 6 years including a 6-month moratorium — but this is NOT officially verified for Haryana’s scheme. Do ask the Corporation in writing about the interest rate and instalment period before applying — and never pay any agent who promises to “get the loan sanctioned”.
Please Note — Points That Could Not Be Verified
Every figure in this guide is taken from official sources (myScheme and the SARAL portal). 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 Corporation or the district office before applying:
- The interest rate is not given on myScheme — a secondary source says 5% per annum for NSFDC’s national scheme; not confirmed for Haryana.
- The repayment period and moratorium are not given on myScheme — a secondary source says 6 years (including a 6-month moratorium); not confirmed for Haryana.
- Conflict on the project-cost ceiling — myScheme (Haryana) says a maximum of Rs 50,000, while the same secondary source also writes Rs 2 lakh at one place. This guide follows myScheme’s Rs 50,000 ceiling.
- “Adequate knowledge and experience” — the meaning of myScheme’s condition is not clear; no certificate or test is specified.
- No document list is given on myScheme — the list in this guide is modelled; the SARAL form’s list will be final.
- The SARAL service name or serial number is not given on myScheme — search for “Shilpi Samridhi Yojana” in the service list; if it does not appear, ask the helpline.
- Fee and RTS timeline are not recorded on myScheme — nothing has been invented here.
- Who pays the margin money and who disburses the money — not stated on myScheme; in NSFDC’s standard pattern the margin money is the beneficiary’s contribution, but this is not verified for Haryana.
- “Should not have any other similar unit” — it is not clear whether this condition applies to one family or one person.
- There is no list on myScheme of which crafts are covered under the scheme.
- BPL vs income limit — NSFDC’s national scheme speaks of BPL families, while Haryana’s myScheme gives only the Rs 3,00,000 income limit; this guide follows Haryana’s condition.
- The Guideline PDF did not open — the kms.saralharyana.nic.in link did not open on 9 November 2026, so the detailed rules could not be read; hsfdc.org.in and haryanascbc.gov.in also did not open the same day. Two different addresses of the Corporation appear in different guides (Plot 199, Industrial Area Phase-1, Panchkula and Bay No. 53-54, Sector-2, Panchkula) — confirm on phone before visiting.
- There is no fixed last date — the scheme is treated as open through the year, but the Corporation can stop applications at any time; check the current status before applying.
How This Scheme Differs From Similar Schemes
Haryana has several loan schemes for the SC community — the names sound similar, so do not get confused; see this table:
| Scheme | For whom | Loan / benefit | Difference |
|---|---|---|---|
| Shilpi Samridhi Yojana (this guide) | SC artisan families | Loan up to Rs 50,000, 50% subsidy (max Rs 10,000) | Only for artisans; small project |
| Laghu Vyavassay Scheme (LVSH) | SC entrepreneurs | Loan up to Rs 2,00,000, 50% subsidy (max Rs 10,000) | General small business; bigger project cost |
| Backward Classes Term Loan | Backward Classes (BC) | Loan up to Rs 25 lakh, 7–8% interest | For BC, not SC |
| Micro Credit Finance (NSKFDC) | Safai Karamcharis | Loan up to Rs 1 lakh, 7% interest | Only for Safai Karamcharis |
| Mahila Adhikarita Yojana (NSKFDC) | Women Safai Karamcharis | Loan up to Rs 2 lakh, 7% interest | Only for women |
| PM Vishwakarma | Traditional artisans (18 trades) | Rs 15,000 toolkit + loan up to Rs 3 lakh, 5% interest | Central government scheme; toolkit also given |
| Shilp Sampada Term Loan | BC artisans | Loan up to Rs 10 lakh | For BC; guide not published yet |
Note: “Shilp Sampada” (BC artisans, Rs 10 lakh) and “Shilpi Samridhi” (SC artisans, Rs 50,000) are two different schemes — do not confuse them because of the similar names.
Frequently Asked Questions
1. How much loan is given under the Shilpi Samridhi Yojana?
A loan is given on a project cost of up to Rs 50,000. After the 50% subsidy (maximum Rs 10,000) and 10% margin money, the remaining amount comes as a loan — on a Rs 50,000 project the loan works out to Rs 35,000.
2. Is this a grant or a loan?
This is a loan, not a grant. Only the subsidy portion (maximum Rs 10,000) does not have to be repaid; the loan amount has to be repaid in instalments with interest.
3. Who can apply?
A permanent resident of Haryana, from the SC category, with annual family income up to Rs 3,00,000, age 18–45 years, and with knowledge and experience of the craft; and not a defaulter of the Corporation or banks.
4. What is the interest rate?
The interest rate is not recorded on myScheme. A secondary source quotes 5% per annum for NSFDC’s national scheme, but this is not verified for Haryana’s scheme — ask the Corporation in writing before applying.
5. Where and how to apply?
Online, on the Antyodaya SARAL portal (saralharyana.gov.in). For help, visit the nearest Saral Kendra / CSC / Atal Seva Kendra.
6. What is the last date to apply?
No fixed last date has been given; the scheme is treated as open through the year. Confirm the current status before applying.
7. Is being BPL necessary for the subsidy?
No. Haryana’s myScheme condition does not mention BPL — only the annual income limit of up to Rs 3,00,000. The BPL condition appears in NSFDC’s national scheme, which is different.
8. How can I check the application status?
Enter your Application Reference ID on the status portal status.saralharyana.nic.in, or send an SMS “SARAL Application ID” to 7738299899. Helpline: 0172-3968400.
Disclaimer: This information is prepared on 9 November 2026 from myScheme (myscheme.gov.in) and the Antyodaya SARAL portal. Rules can change — please take the latest information in writing from HSCFDC or the SARAL helpline (0172-3968400, [email protected]) before applying. If the rules change, the Department’s notification will apply.
Official links: myScheme — https://www.myscheme.gov.in/schemes/ssyh | SARAL portal — https://saralharyana.gov.in/ | Status check — https://status.saralharyana.nic.in/ | SARAL user manual — https://saralharyana.gov.in/resources/homePage/6/pdf/Using%20Saral.pdf
