- Details
- Benefits
- Eligibility
- Application Process
- Documents Required
- Frequently Asked Questions
- Sources And References
- Feedback
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Haryana
Education Loan Scheme- Credit Line 2 for Minority Community
Credit Line
Education Loan
Minority Community
Student
Details
The scheme "Education Loan Scheme- Credit Line 2 for Minority Community" is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under the scheme, education loans are provided to sections of the minority population defined based on a "Creamy Layer" i.e., an annual family income of ₹8,00,000/-. These loans are available for pursuing general/professional/technical courses or training at the graduate level or higher. The Nigam provides loans of up to ₹20,00,000/- for professional degree courses in India and up to ₹30,00,000/- for courses abroad, with an interest rate of 8% for males and 5% for females. Applicants must belong to a minority community (Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains) and be permanent residents of Haryana.
Benefits
- Under this scheme, Nigam provides loans of up to ₹20,00,000/- for professional degree courses in India and up to ₹30,00,000/- for courses abroad, with an interest rate of 8% for males and 5% for females.
- The education loans are provided for pursuing general/professional/ technical courses or training at the graduate and/or higher level to minority communities i.e. Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
Eligibility
- The applicant should be a permanent resident of Haryana.
- The age of the applicant should be between 16 and 32 years.
- The annual family income of the applicant should be between ₹98,001/- to ₹8,00,000/- (Rural Area) and ₹1,20,001 to ₹8,00,000/- (Urban Area).
- The applicant should belong to a minority community, i.e., Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
- The applicant should have obtained admission to any professional and technical course approved by an appropriate agency such as AICTE, Medical Council of India, UGC, etc., in a duly accredited/recognized institute.
- The applicant must have secured a minimum of 50% marks in the qualifying exam i.e., the exam whose qualification is a pre-requisite for the course.
- The applicant should have a Parivaar Pehchan Patra (PPP ID).
Application Process
Online
Registration Process on Antyodaya-SARAL Portal:
Step 01: The eligible applicant may apply online through the Official Portal- Antyodaya-SARAL Portal. https://saralharyana.gov.in/
Step 02: If the applicant is not registered on the portal, he/she gets registered there.
Step 03: For registration, click “New User” under ‘Sign In Here’ and fill in all the mandatory details i.e. Name, Email ID, Mobile Number, Password & State. Click on ‘Submit’.
Step 04: Verify your mobile number and email ID through the received OTP and complete the registration process.
Login to apply for the scheme:
Step 01: To avail the benefits of the scheme, visit the Official Antyodaya-SARAL Portal and log in through the email ID used while registering.
Step 02: Enter Password & Captcha and click on ‘Login’.
Step 03: After successful login, click on ‘Apply for Services’ and then ‘View all Available Services’
Step 04: Now, you can search for the scheme and click on the scheme to go ahead and fill out the application form.
Step 05: Enter your Parivar Pehchan Patra number - Family ID and click on “Click here to Fetch Family Data” which displays the family members registered under the given Family ID.
Step 06: Select the beneficiary/applicant name and enter the OTP that is being sent to the selected family member for verification. Click on “Click to Verify”
Step 07: Fill in all the mandatory details and upload all the mandatory documents.
Step 08: Preview the application form and click on ‘Submit’.
Tracking of Application:
Applicants can track their applications through the Official Antyodaya-SARAL Portal by entering their Department Name, Scheme Name, and Application Reference ID.
Documents Required
- Identity/Citizenship proof i.e. Aadhaar Card
- Proof of age
- Resident Proof/Address Proof/Ownership Proof i.e. Haryana Domicile Certificate
- Caste/Religion/Community Proof
- Privaar Pahchan Patra (PPP ID)
- Copy of PAN Card
- Passport-size photograph of the applicant
- Bank account details
- Fee Structure
- Admission Proof
- Previous qualification certificate
- Any other documents as required
Frequently Asked Questions
Who is eligible for the loan?
Applicants must be permanent residents of Haryana, aged between 16 and 32 years, and belong to a minority community (Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains).
What is the "Creamy Layer" income criterion?
The annual family income must be between ₹98,001/- and ₹8,00,000/- for rural areas and ₹1,20,001/- and ₹8,00,000/- for urban areas.
How much loan can be availed for courses in India?
Loans up to ₹20,00,000/- are available for professional degree courses in India.
How much loan can be availed for courses abroad?
Loans up to ₹30,00,000/- are available for courses abroad.
What is the interest rate for males?
The interest rate for males is 8%.
What is the interest rate for females?
The interest rate for females is 5%.
What courses are covered under this scheme?
The scheme covers general, professional, and technical courses or training at the graduate level or higher.
What is the age limit for applicants?
Applicants must be between 16 and 32 years old.
What are the eligible minority communities?
The eligible communities are Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
Is there a minimum academic requirement?
Yes, applicants must have secured a minimum of 50% marks in the qualifying exam.
How can one apply for the loan?
Applicants can apply online through the Antyodaya-SARAL Portal at https://saralharyana.gov.in/.
Can loans be availed for both graduate and post-graduate courses?
Yes, loans are available for both graduate and post-graduate courses.
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You're being redirected to an external website. By proceeding, your details will be shared with the relevant department.
Your mobile number will be shared with Jan Samarth and you will be redirected to external website.
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You have already submitted an application for this scheme. You may apply again only after 30 days i.e. after
You need to sign in before applying for schemes
You're being redirected to an external website. By proceeding, your details will be shared with the relevant department.
Your mobile number will be shared with Jan Samarth and you will be redirected to external website.
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You have already submitted an application for this scheme. You may apply again only after 30 days i.e. after
It seems you have already initiated your application earlier.To know more please visit
Apply Now
You need to sign in before applying for schemes
You're being redirected to an external website. By proceeding, your details will be shared with the relevant department.
Your mobile number will be shared with Jan Samarth and you will be redirected to external website.
Something went wrong. Please try again later.
You have already submitted an application for this scheme. You may apply again only after 30 days i.e. after
It seems you have already initiated your application earlier.To know more please visit
Apply Now
Check Eligibility
Haryana
Education Loan Scheme- Credit Line 2 for Minority Community
Credit Line
Education Loan
Minority Community
Student
Details
Benefits
Eligibility
Application Process
Documents Required
Frequently Asked Questions
The scheme "Education Loan Scheme- Credit Line 2 for Minority Community" is implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. Under the scheme, education loans are provided to sections of the minority population defined based on a "Creamy Layer" i.e., an annual family income of ₹8,00,000/-. These loans are available for pursuing general/professional/technical courses or training at the graduate level or higher. The Nigam provides loans of up to ₹20,00,000/- for professional degree courses in India and up to ₹30,00,000/- for courses abroad, with an interest rate of 8% for males and 5% for females. Applicants must belong to a minority community (Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains) and be permanent residents of Haryana.
Was this helpful?
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