Education Loan Scheme- Credit Line 2 for Minority Community
State: Haryana
Ministry: null
Department: Welfare of Scheduled Caste & Backward Classes Department
Category: Banking,Financial Services and Insurance, Education & Learning
Beneficiary Type: Individual

The scheme is implemented by Haryana Backward Classes & Economically Weaker Sections Kalyan Nigam, aims to provide education loans to sections of minority population on the basis of "Creamy Layer". These loans support pursuing general/professional/technical courses at graduate levels or higher.

Benefits:
1. 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.
   1. 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.

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Eligibility:
1. The applicant should be a permanent resident of Haryana.
   1. The age of the applicant should be between 16 and 32 years.
   1. 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).
   1. The applicant should belong to a minority community, i.e., Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
   1. 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.
   1. 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.
   1. 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