The Haryana Government’s Subsidy for Disabled Young Professionals (SDYP) scheme gives loans to disabled youth who hold a professional degree from a recognised institute — such as doctors, engineers, lawyers, architects or chartered accountants — so they can start their own business. Under this scheme a loan of up to Rs 25,00,000 is available, at an interest rate of 5% to 8% per annum (depending on the loan amount), with a repayment period of up to 10 years. The scheme is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCKN), and the money comes from the NDFDC (National Divyangjan Finance and Development Corporation). Applications are made online through the Antyodaya SARAL portal. This guide gives the eligibility, benefits, interest rates, documents, the full online and offline application process, fees, status check and helpline — and wherever the information could not be confirmed from an official source, that is written clearly.
Scheme at a glance
| Point | Details |
|---|---|
| Scheme name | Subsidy for Disabled Young Professionals (SDYP) |
| 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 (HBCKN) |
| Money comes from | NDFDC (National Divyangjan Finance and Development Corporation, earlier NHFDC) — through HBCKN |
| Benefit | Loan up to Rs 25,00,000; interest 5%–8% per annum; repayment up to 10 years |
| Who it is for | Unemployed disabled youth with a professional degree (age 18–45, disability 40% or more) |
| How to apply | Online — Antyodaya SARAL portal; offline — HBCKN office, Chandigarh |
| Application fee | Not stated on myScheme — see ‘Fees and timelines’ below |
| Last date | No last date is given on myScheme — applications remain open through the year |
| Income limit | No income limit is stated in myScheme or the NHFDC document |
Please note: the name says “Subsidy”, but this scheme does not give any cash subsidy or grant — it is a LOAN scheme. “Subsidy” here only means that the loan is given at a concessional (low) interest rate. The borrowed amount must be repaid with interest. myScheme also does not list this as a DBT scheme (dbtScheme: No).
What benefit will you get
According to myScheme and the NHFDC scheme document, the benefit under this scheme is as follows:
- Loan: professionally educated unemployed disabled youth can get a loan of up to Rs 25,00,000 to start self-employment directly related to their profession — for example, a doctor can open a clinic, an engineer a consultancy, a lawyer an office, or a CA a firm.
- Which disabilities: according to myScheme, this scheme is for youth in the OH, VH, HH and MR categories — Orthopaedically Handicapped, Visually Handicapped, Hearing Handicapped and Mentally Retarded. These words are from the NHFDC’s old document; read them today as types of disability.
- Working capital: NHFDC may also consider a working capital margin of up to 30% of the estimated requirement — for example, for the initial running expenses of a clinic or office.
- For those who already took an education loan: youth who have already taken a loan for higher professional education can also be considered for an additional loan to set up a self-employment venture — but the total limit of Rs 25 lakh per beneficiary will apply, including the education loan.
Pattern of finance: the loan is shared in three parts — the NDFDC share, the State Channelising Agency (HBCKN) share and the applicant’s own share:
| Share | How much |
|---|---|
| NDFDC loan | Up to 85% of the total amount |
| HBCKN (State agency) loan | 5% of the total amount |
| Applicant’s own contribution | At least 10% of the total amount |
Example (calculated from NHFDC’s figures): if your project costs Rs 10,00,000, NDFDC gives Rs 8,50,000 (85%), HBCKN gives Rs 50,000 (5%) and you must contribute Rs 1,00,000 (10%). For a Rs 25,00,000 project, NDFDC gives Rs 21,25,000, HBCKN gives Rs 1,25,000 and your share is Rs 2,50,000. This is only an example — the final split is decided by the Nigam at the time of sanction.
Interest rate — how much will it cost
According to the NHFDC scheme document, the interest rate depends on the loan amount — the bigger the loan, the higher the rate:
| Loan amount | Interest rate (per annum) |
|---|---|
| Up to Rs 50,000 | 5% |
| Above Rs 50,000 and up to Rs 5,00,000 | 6% |
| Above Rs 5,00,000 and up to Rs 15,00,000 | 7% |
| Above Rs 15,00,000 | 8% |
Rebates: the scheme document lists two rebates — (a) a rebate of 1% per annum on interest for disabled young women professionals; (b) a special rebate of 0.5% for PwDs under the VH / HH / MR category. Note: an older copy of the NHFDC document puts the women’s rebate at 0.5% — the two copies differ; see ‘Please note’ below.
A conflict on the interest rate: myScheme states the interest rate as “4.5% to 8%”, while the lowest slab in the NHFDC scheme document’s rate table is 5% — there is no 4.5% slab. The objective section of the same document says “4–8%”. So the lower end is written three different ways in three places (4.5%, 4% and 5%). The rate table above is from the NHFDC scheme document — go by that, and confirm the rate in writing from HBCKN before applying. The current NDFDC Guidelines also put the Rs 15–30 lakh slab at 8%, which matches the top rate of this scheme.
Who can apply — eligibility
The eligibility conditions in myScheme and the NHFDC document are as follows — all of them must be met together:
- Permanent resident of Haryana.
- Disability of 40% or more — a disability certificate is required.
- Age between 18 and 45 years.
- A professional degree from a recognised institute — such as MBBS, BDS, B.Tech/BE, LLB, B.Arch, CA/CS, Pharmacy, Hotel Management or a similar degree.
- Unemployed — this scheme is not for people already in a job.
- The proposed activity must be directly relevant to the applicant’s professional degree — the business must be in the same field as the degree. A loan under this scheme is not given for work unrelated to the degree.
Income limit: no income limit is stated for this scheme in myScheme or the NHFDC scheme document — there is no income-based bar. This is different from some other NDFDC schemes, whose old forms carried an income limit.
For which work will the loan be given
The NHFDC scheme document gives an illustrative list of professions for which the loan can be given. This list is only illustrative, not exhaustive — any other technically feasible and financially viable project can also qualify:
- Doctor (clinic/practice), Architect, Engineer (including Software/Hardware/Automobile)
- Advocate, Chartered Accountant / Cost Accountant, Pharmacist
- Hotel Management, Geriatric Home Care (care of the elderly), Publicity and Advertisement
- Service & Maintenance of Building, Security Guard Agency, Coaching Centres for Competitive Examinations
- Culture and Tourism Development, Printing Press / DTP / Graphics, Fashion Designing / Boutiques
- Textile Designing, Ornamental / Sculpture, Value addition in traditional Art & Craft
The document also says that such professionally managed ventures are expected to create an equal number of wage-employment opportunities for skilled/semi-skilled workers.
Documents required
myScheme does not give a document list for this scheme. The list below is based on the NHFDC’s common application form and the SARAL application process — check the final list in the SARAL form itself before applying, because whatever the form asks for is what counts:
- Aadhaar card
- Disability certificate (UDID card — wherever asked for)
- Parivar Pehchan Patra (PPP / Family ID)
- PAN card
- Bank account details (bank passbook/account number)
- Professional degree certificate (from a recognised institute)
- Two passport-size photographs
- Residence proof (proof of being a permanent resident of Haryana)
- Income proof (if asked for in the form)
- Business plan / project report — what work you will start, what it will cost, how the income will come (upload whatever documents the SARAL form’s ‘Attach Annexure’ step asks for)
Keep all documents scanned clearly — in PDF or JPG format for upload on SARAL — and keep the originals with you. If any document is missing (such as PAN 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 on myScheme is as follows:
First, register:
Step 1: Go to 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 “New User” under the “SIGN IN HERE” section and fill in the required 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 and complete the registration.
Then apply for the scheme:
Step 1: Log in to the SARAL portal with the email ID used at the time of registration.
Step 2: Enter the Password and Captcha and click “Login”.
Step 3: After logging in, click ‘Apply for Services’ and then ‘View all Available Services’.
Step 4: In the list of schemes/services, search for “Subsidy for Disabled Young Professionals” and click on it — the online application form will open. (If the scheme name does not appear in the list, ask the SARAL helpline 0172-3968400 — the service name or serial number is not given on myScheme.)
Step 5: Fill in all the mandatory details in the form and upload all the mandatory documents.
Step 6: Preview the application form and click ‘Submit’. Take a printout of the ‘Acknowledgement Receipt’ and keep it safely — it will carry your Application Reference Number.
If you face any difficulty in applying online, you can take help from the nearest Saral Kendra / CSC centre / Atal Seva Kendra — the operator there helps fill the form on your behalf.
Offline application — HBCKN office
Offline applications can be made at the HBCKN office. According to NHFDC, application forms can be submitted either at the State Channelising Agency (HBCKN) or at the NDFDC:
- Address: Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCKN), SCO 813-14, Sector 22-A, Chandigarh – 160022
- Phone: 0172-2701722, 0172-2701074
- Email: [email protected]
Carry the documents listed above with the application. Information and forms can also be had from the HBCKN district office in your district — ask the head office for the district office’s address and phone number. Online application is the main route; if you fill an offline form, do take the acknowledgement receipt.
Sanction of the loan and how the money comes
Under NHFDC’s general arrangement, sanction of the loan happens at two levels depending on the amount:
- Loans up to Rs 5,00,000: sanctioned by the State Channelising Agency (HBCKN) itself.
- Loans above Rs 5,00,000: sanctioned by the NDFDC itself.
Repayment period: the loan must be repaid within 10 years — including the moratorium (initial grace) period. How long the moratorium will be is not stated in myScheme or the scheme document — the current NDFDC Guidelines (credit-based funding) put the moratorium at 3 months, extendable up to 1 year, but whether the same period applies to this scheme is not confirmed, so ask HBCKN in writing.
Instalments and interest: interest is charged as simple interest. The number of instalments and when the first instalment falls due will be written in the sanction letter — ask HBCKN before applying.
Fees and timelines
Application fee: no application fee for this scheme is stated on myScheme, and no RTS (Right to Service) timeline is given either. If any fee appears while filling the form on SARAL, that is the applicable fee. If you get the form filled at a Saral Kendra/CSC centre, the centre’s service charge may apply separately — ask first before getting it filled. No fee amount is written here on our own, because it was not found in any official source.
Last date: myScheme gives no last date for the scheme (schemeCloseDate: null) — the scheme remains open through the year. If a new application drive or date is announced, the HBCKN notice will be the valid one.
How long does the loan take: no sanction/disbursement timeline is stated on myScheme or in the available information. The loan is released after document verification, review of the business plan and sanction — ask HBCKN how long that takes. Keep your reference number safe after applying and keep checking the status.
How to check the application status
After submitting the application, the status can be checked in two ways (as per myScheme):
1. From the portal: go to the SARAL status portal https://status.saralharyana.nic.in/ → select the Department and the Scheme name → enter your Application Reference ID → see the status.
2. By SMS: from your registered mobile number, send an SMS to 7738299899 — write: SARAL<space>Application ID (example: SARAL HR-XXXXXXXX).
If the status shows “Under Process”, “Approved”, “Rejected” or “Objection”, understand what it means — if an “Objection” is raised or documents are asked for, reply within the given time, otherwise the application can get stuck.
Helpline
| Whom to contact | Details |
|---|---|
| SARAL helpline | 0172-3968400 (7:00 AM to 8:00 PM; Monday to Saturday, except government holidays) — Email: [email protected] |
| HBCKN (State Nigam) | 0172-2701722, 0172-2701074 — Email: [email protected] — SCO 813-14, Sector 22-A, Chandigarh – 160022 |
| NDFDC (National Corporation) | (011) 45803730 — Email: [email protected] — Unit 11-12, DLF Prime Tower, Okhla Phase-I, New Delhi – 110020 |
Please note — these points could not be confirmed
Every figure in this guide is taken from an official source (myScheme or the NHFDC scheme document). Even so, some important points could not be confirmed from any official source — we are not inventing them; please ask HBCKN in writing before applying:
- Name vs benefit: the scheme is named “Subsidy”, but the benefit is a loan — no cash subsidy or grant is given. “Subsidy” here only means a concessional interest rate. Do not assume from the name that the money need not be repaid.
- Lower end of the interest rate: myScheme says “4.5% to 8%”, the objective section of the NHFDC document says “4–8%”, and the rate table in the same document starts at 5%. The rate table above (5/6/7/8%) is from the NHFDC scheme document — confirm the rate in writing from HBCKN before applying.
- Difference in the women’s rebate: one copy of the NHFDC document gives a 1% rebate on interest for disabled young women professionals, an older copy gives 0.5%. The 0.5% special rebate for the VH/HH/MR category also appears in only one copy.
- Difference in the Rs 5–15 lakh slab: one copy of the NHFDC document puts 7% on Rs 5–15 lakh and 8% above Rs 15 lakh; another copy puts 8% on the entire amount above Rs 5 lakh. We have given the 4-slab table, which also matches the current NDFDC Guidelines.
- Difference in the age limit: myScheme and the NHFDC document give the age as 18–45 years, but an older copy of the NHFDC document says 18–35 years. We have used myScheme’s 18–45 years.
- The education-loan limit: the scheme document says the total limit including the education loan is Rs 25 lakh — but according to a July 2026 report in The Tribune, HBCKN now gives education loans of up to Rs 50 lakh. How the Rs 25 lakh combined limit would apply to someone who has taken a Rs 50 lakh education loan is not clear — ask HBCKN.
- Moratorium period not stated: the loan must be repaid within 10 years including the moratorium, but how many months the moratorium is, is not stated in the scheme document.
- Document list not on myScheme: the document list above is based on the NHFDC’s common application form — the final list will appear in the SARAL form. Whether a UDID card is compulsory for SDYP is also not stated on myScheme.
- Fee / RTS / SARAL service number not found: the application fee, RTS timeline and the SARAL service name/serial number are not given on myScheme — nothing has been written on our own.
- Websites did not open: at the time of our research, haryanascbc.gov.in, hbckn.org.in and saralharyana.gov.in did not open from here — so the HBCKN website’s own page for this scheme could not be read. Whatever conditions and document list appear in the SARAL form while filling it will be final.
Other related schemes (do not confuse them): NDFDC/HBCKN run other loan schemes for disabled persons, which are different from this one — a loan for agricultural activities (maximum Rs 10 lakh, covered in our separate guide), the Divyangjan Swavalamban Yojana (for a small business in service/trading, maximum Rs 50 lakh), the Small Industries Unit scheme (for a small industrial unit, maximum Rs 25 lakh — but not for professionally educated youth), and the Education Loan for PwD (for studies, maximum Rs 50 lakh). SDYP is only for unemployed disabled youth with a professional degree who want to start a business related to their degree.
Scale: according to the answer given in the Lok Sabha (Starred Question 311, 17 December 2024), NDFDC gave loans to 88,133 disabled persons across India between 2019-20 and 2023-24, of whom 4,457 were from Haryana — this figure covers all NDFDC schemes, not SDYP alone.
Frequently asked questions
1. How much loan is given under the SDYP scheme?
A loan of up to Rs 25,00,000 is given. It is a loan, not a grant — the amount must be repaid with interest. The split is: NDFDC up to 85%, HBCKN 5% and the applicant’s own share at least 10%.
2. What is the interest rate?
By loan amount: up to Rs 50,000 — 5%; Rs 50,000–Rs 5 lakh — 6%; Rs 5–15 lakh — 7%; above Rs 15 lakh — 8% per annum. The scheme document also lists a 1% rebate for disabled young women professionals and a 0.5% rebate for the VH/HH/MR category. myScheme says “4.5% to 8%” — the lowest slab in the rate table is 5%, so confirm the rate in writing from HBCKN before applying.
3. Who can apply?
A permanent resident of Haryana, with 40% or more disability, aged 18–45 years, holding a professional degree from a recognised institute, unemployed — and the proposed business must be directly related to the degree. No income limit is stated for this scheme.
4. In how much time must the loan be repaid?
Within 10 years, including the moratorium period. How many months the moratorium is, is not stated in the scheme document — ask HBCKN.
5. Where do I apply?
Online — on the Antyodaya SARAL portal (saralharyana.gov.in). Offline — at the HBCKN office, SCO 813-14, Sector 22-A, Chandigarh (0172-2701722). On SARAL, search for the scheme: “Subsidy for Disabled Young Professionals”.
6. Is any cash subsidy (grant) given in it?
No. The name says “Subsidy”, but the benefit is only a loan at a concessional interest rate — no cash grant is given and the loan must be repaid.
7. Can those who have already taken an education loan also apply?
Yes — according to the scheme document, youth who have taken an education loan can also take an additional loan for self-employment, but the total limit including the education loan will remain Rs 25 lakh per beneficiary.
8. How do I check the application status?
On the SARAL status portal (status.saralharyana.nic.in), select the Department and Scheme name and enter the Application Reference ID — or send “SARAL<space>Application ID” by SMS from your registered mobile to 7738299899.
Official links
- myScheme — Subsidy for Disabled Young Professionals: https://www.myscheme.gov.in/schemes/sdyp
- Antyodaya SARAL portal: https://saralharyana.gov.in/
- SARAL status check: https://status.saralharyana.nic.in/
- NHFDC scheme document (Scheme For Disabled Young Professional): https://www.statusin.in/uploads/20171-Young.pdf
- PIB — NHFDC schemes: https://www.pib.gov.in/newsite/PrintRelease.aspx?relid=85411®=3&lang=2
Disclaimer: This information is prepared on 9 November 2026 from myScheme (myscheme.gov.in) and the NHFDC scheme document. Points such as the lower end of the interest rate, the rebate rates, the moratorium period, the final document list, the fee and the RTS timeline were not confirmed clearly in official sources — please confirm them in writing from HBCKN (0172-2701722) or the SARAL helpline (0172-3968400) before applying. If the rules change, the Corporation/Department’s notice will apply.
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