Divyangjan Swavalamban Yojana
Divyangjan Swavalamban Yojana is a Haryana State Government initiative implemented through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. The scheme aims to promote self-employment among persons with disabilities (Divyangjan) by providing financial assistance in the form of loans. It supports a wide range of income-generating activities including agriculture, small business, transport services, artisan work, and professional trades. Through this scheme, you as an MSME or individual entrepreneur with disability can access affordable credit support of up to ₹50 lakh at concessional interest rates, enabling you to start or expand your business independently.
Key Features
- Financial assistance for self-employment: The scheme focuses on enabling you to start or expand income-generating activities. It encourages entrepreneurship among Divyangjan by supporting viable business ideas across sectors.
- Loan support up to ₹50 lakh: You can avail financial assistance based on your business requirement. This ensures flexibility whether you are starting a small unit or expanding an existing enterprise.
- Concessional interest rate: The interest rate between 5% and 9% per annum reduces the financial burden, making repayment manageable and improving business sustainability.
- Sector-wide coverage: The scheme supports agriculture, service sector, transport, and small business activities, allowing you to choose a business aligned with your skills and local demand.
- Inclusive eligibility norms: The scheme ensures inclusion through defined disability criteria and age relaxation for specific categories, allowing broader participation.
Financial Assistance
Eligibility Criteria
- Must be a permanent resident of Haryana
- Must be a person with disability (minimum 40%)
- Age should be between 18 to 55 years
- For persons with mental disability: minimum age 14 years
- Must possess PPP ID
- UDID card mandatory for loan above ₹15 lakh
- Applicant should be engaged or willing to engage in self-employment activity
Non-Eligibility Conditions:
- Individuals without valid disability certification
- Non-residents of Haryana
- Applicants not interested in income-generating activities
Documents Required
- Aadhaar Card
- Residence Proof (Haryana)
- Disability Certificate (minimum 40%)
- PPP ID
- UDID Card (for higher loan amounts)
- Passport size photograph
- Business plan or activity details
- Bank account details
Application Process
Option 1: Apply with Bullit, Recommended
Start instantly with our guided application support, where our team verifies eligibility, prepares documentation, and coordinates with the Industries Department on your behalf. Using our business loans and compliance calendar, you can track progress while focusing on project execution, we manage the application end-to-end.
Option 2: Apply Online / Offline (Government Process)
Online (SARAL Portal):
- Register on SARAL Haryana portal
- Login and search for the scheme
- Fill application form
- Upload documents
- Submit application
- Receive acknowledgement number
Offline:
- Visit district office of Nigam or welfare department
- Collect application form
- Fill required details
- Attach documents
- Submit to concerned authority
- Obtain acknowledgement receipt
- Follow up with office if needed
Frequently asked questions
What is the objective of the scheme?
The scheme aims to promote self-employment among persons with disabilities by providing financial assistance in the form of concessional loans. It helps individuals establish or expand income-generating activities across various sectors.
What is the maximum financial assistance available?
The scheme offers loan assistance up to ₹50 lakh. The amount depends on the nature of the business activity and the applicant’s financial requirement as assessed during application evaluation.
What is the applicable interest rate?
The interest rate ranges from 5% to 9% per annum. The exact rate depends on the loan amount and category applicable to the applicant.
Who is eligible to apply?
Permanent residents of Haryana with a minimum 40% disability and within the prescribed age limit are eligible, provided they intend to start or expand a self-employment activity.
Is UDID mandatory for all applicants?
UDID is mandatory for loan amounts above ₹15 lakh. For lower loan amounts, a valid disability certificate is acceptable as per guidelines.
What types of activities are supported?
The scheme supports agriculture, small businesses, transport services, artisan activities, and technical or professional trades that generate income.