Mahila Samridhi Yojana
Mahila Samridhi Yojana for Minority Community is a welfare initiative implemented by the Haryana Minorities and Economically Weaker Sections Kalyan Nigam (HMEWSC) in alignment with the objectives of the National Minorities Development and Finance Corporation (NMDFC). The scheme aims to promote self-employment among women belonging to minority communities by providing concessional financial assistance for small income-generating activities. It is an ongoing scheme focused on empowering women entrepreneurs at the grassroots level. As an MSME or aspiring woman entrepreneur, your business can benefit through access to low-cost credit, helping you start or expand micro-enterprises and achieve financial independence.
Key Features
- Exclusive support for minority women: The scheme is specifically designed for women belonging to minority communities, ensuring targeted financial inclusion and empowerment.
- Concessional micro-credit: Loans are provided at lower interest rates compared to market rates, making it easier for you to manage repayments and sustain your business.
- Focus on self-employment: The scheme supports small-scale activities such as tailoring, handicrafts, petty shops, or service-based work, helping you build a steady income source.
- Accessible implementation: Through the Haryana state agency, the scheme ensures easy access, simplified procedures, and local-level support.
Financial Assistance
Eligibility Criteria
- Applicant must be a woman belonging to a notified minority community
- Must be a resident of Haryana
- Annual family income should fall within prescribed limits (generally up to ₹98,000 in rural areas and ₹1,20,000 in urban areas, as per NMDFC norms)
- Must be engaged or willing to engage in income-generating activity
- Should not be a defaulter of any financial institution
Non-Eligibility Conditions:
- Women not belonging to minority communities
- Applicants exceeding income limits
- Defaulters of previous loans
Documents Required
- Aadhaar Card
- Identity Proof
- Address Proof
- Minority Community Certificate
- Income Certificate
- Bank account details
- Passport size photograph
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 Process:
- Visit State Channelising Agency portal
- Register and login
- Fill application form
- Upload required documents
- Submit application
- Receive acknowledgement
- Track application status
- Escalate through grievance system if required
Offline Process:
- Visit Haryana Minorities Welfare office
- Collect and fill application form
- Submit documents
- Submit to concerned authority
- Receive acknowledgement receipt
- Follow up with office
Frequently asked questions
What is the objective of Mahila Samridhi Yojana?
The scheme aims to provide financial assistance to minority women for starting or expanding income-generating activities, thereby promoting self-employment and financial independence.
Who is eligible for this scheme?
Women belonging to notified minority communities, residing in Haryana, and meeting prescribed income criteria are eligible to apply.
What is the maximum loan amount available?
The scheme generally provides micro-credit loans up to ₹1 lakh, depending on the applicant’s requirement and business activity.
What is the interest rate under the scheme?
The interest rate is concessional and determined as per NMDFC guidelines, making it affordable compared to commercial loans.
What activities are supported?
The scheme supports small-scale activities such as tailoring, handicrafts, beauty services, food processing, and retail businesses.
Is collateral required for the loan?
Typically, micro-credit loans under this scheme do not require collateral, but conditions may vary as per implementing agency guidelines.