Haryana Education Loan Scheme – Minority Students (Credit Line 1)
The Haryana Backward Classes & EWS Kalyan Nigam implements the Education Loan Scheme – Credit Line 1 to support students from minority communities (Muslim, Sikh, Christian, Buddhist, Parsi, Jain) with loans up to ₹20 lakh for studies in India and ₹30 lakh for abroad, at concessional interest of 3% per annum. This scheme is available via the Antyodaya‑SARAL portal.
📑 Table of Contents
🎓 Eligibility & Income Criteria
- Must be a permanent resident of Haryana and belong to a recognized minority community (Muslim, Sikh, Christian, Buddhist, Parsi, Jain).
- Family income up to ₹98,000/year (rural) or ₹1,20,000 (urban), and not exceeding ₹8,00,000 in both.
- Age between 16 and 32 years.
- Minimum 50% marks in qualifying examination plus confirmation of admission to an AICTE/UGC/Medical‑Council recognized course. Must have a valid PPP ID.
💰 Loan Benefits & Terms
| Purpose | Loan Amount & Rate |
|---|---|
| Study in India | Up to ₹20 lakh; interest rate: 3% p.a. |
| Study Abroad | Up to ₹30 lakh; interest rate: 3% p.a. |
Flexible repayment schedule; includes tuition, maintenance, and other educational expenses.
📄 How to Apply
- Visit the Antyodaya‑SARAL Portal: saralharyana.gov.in. Register or log in.
- Select “Education Loan Scheme – Credit Line 1 for Minority Community”.
- Fill application form with PPP ID, Aadhaar, admission proof, income certificate, bank details, and academic records.
- Submit online and get application reference ID. You can track status on the portal.
🔗 Important Related Links
| Content Type | Link |
|---|---|
| Apply via Antyodaya‑SARAL Portal | Apply Here |
| Scheme Details & Guidelines PDF | View Details |
| WBCEWS Kalyan Nigam Official Page | Visit Now |
❓ FAQs – Haryana Minority Education Loan Scheme 2025
- Who is eligible under the Haryana Minority Education Loan Scheme 2025?
Permanent Haryana residents from Muslim, Sikh, Christian, Buddhist, Parsi, or Jain communities with PPP ID, income ≤ ₹8 lakh, age 16‑32 years, and admission into a recognized course. - What is the maximum loan amount available?
Up to ₹20 lakh in India and ₹30 lakh for studies abroad, at 3% interest per annum. - How can one apply?
Apply online via the Antyodaya‑SARAL Portal by selecting the relevant scheme and filling the required documents. - What documents are needed?
Aadhaar, PPP ID, income/domicile certificate, admission proof, academic marksheet, bank details, and passport‑size photo. - How to track application status?
Log in on Antyodaya‑SARAL portal and use your application reference ID. Status updates are provided online.
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Disclaimer: This information is based on publicly available sources for reference only. Please verify all details and eligibility via the official SARAL portal before applying.