About this banking scheme
The scheme aims to provide financial assistance to Haryana Domiciled Widow, Divorced, and Legally Separated Women. Through this scheme, a subsidy on the total loan is provided.
The scheme "Subsidized Scheme for Widows" by the Women & Child Development Department, Haryana Government, aims to provide financial assistance to Haryana-domiciled widows, divorced, and Legally Separated Women. Through this scheme, a subsidy on the total loan is provided. The scheme is covered without collateral security by the bank. The scheme is implemented by the Haryana Women Development Corporation.
Benefits at a glance
| Scheme name | Subsidized Scheme for Widows: Haryana Women Development Corporation (SSWHRWCD) |
|---|---|
| Launched by | Women and Child Development Department |
| Benefit type | Cash (money paid to your bank account) |
| Category | Banking |
| Level / State | State · Haryana |
| Official portal | saralharyana.gov.in (see References at the end) |
Key facts
| Scheme for | Individual |
|---|---|
| Application mode | Online / Online - via CSC |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | No |
| Family income limit | Up to Rs. 3 lakh per year |
| Age | 18 to 55 years |
Who can apply (quick check)
- 👤Female
- 🎂Age 18 to 55 years
- 💰Income Rs. 3 lakh tak
- 💍Widowed / Divorced / Separated
- 📝Online / Online - via CSC
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- A 25% flat subsidy, subject to a maximum of Rs. 50,000/-, will be provided on the total loan (not as a capital subsidy).
- The beneficiary's share is 10% of the total loan.
- The maximum loan limit is Rs. 3,00,000/-.
- The scheme will be covered under without collateral security by the bank.
- The balance amount will be covered from commercial/nationalised banks.
Mode of Disbursement: The balance amount will be covered from commercial/nationalised banks.
Moratorium Period: The moratorium period will be three months after disbursement of the loan.
Who qualifies
- The applicant must be a Haryana-domiciled widow, divorced, or a legally separated Woman.
- The applicant's annual income should not exceed Rs. 3,00,000/- per annum.
- The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
Who is not eligible
- No subsidy for interest accrued on a delayed period will be allowed in case of default of payment of EMI.
Papers to keep ready
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Registration walkthrough
Online
Registration Process on Antyodaya-SARAL Portal:
Step 1: Visit the Official Portal: Antyodaya-SARAL Portal.
Step 2: For registration, click on “New User/Register Here” and fill in all the mandatory details i.e. Name, Email ID, Mobile Number & password. Click on ‘Submit’.
Step 3: Verify the OTP received in the provided Email and Mobile Number. Alternatively, click on the Verification Link to activate the profile.
Login to Apply for the Scheme:
Step 1: Visit the Official Portal: Antyodaya-SARAL Portal.
Step 2: The “Sign in here” option is available on the right side of the screen. Fill in the required credentials and click on the ‘Login’ button.
Step 3: In the opened window, click on “Scheme/Services list” and a list of schemes will appear on the screen.
Step 4: Now, select the scheme and click on “Apply for Service/Scheme”.
Step 5: Fill in all the details in the online application form and click on "Submit".
Track Your Service Online:
- Track Application/Appeal: Click here.
- Track Ticket: Click here.
Track Your Service Through SMS:
- Registered Mobile Number: Type SARAL and send to 9954699899 to track your application.
- Other Mobile Number: Type SARAL<space><Application ID/Ticket No.> and send to 9954699899 to track your application/ticket.
Contact Us:
Helpline: 0172-3968400
Email: saral.haryana@gov.in
Fees For Service:
- Government Charges: Rs. 0 (No Fee)
- Service Charges: Rs. 10
- Atal Seva Kendra Charges: Rs. 10
Online - via CSC
The eligible applicant may visit the nearest Atal Seva Kendra with all the required documents to apply for the scheme.
Frequently asked questions
What is the objective of this scheme by the Women & Child Development Department, Haryana?
This scheme aims to provide financial assistance to Haryana-domiciled widows, Divorced, and Legally Separated Women. It offers a subsidy on loans to help beneficiaries.
What is the age limit for beneficiaries applying for this loan scheme?
The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
What kind of women are considered "legally separated" for the purpose of this scheme?
The scheme includes women who are legally separated, as long as they meet the other eligibility criteria. Specific legal definitions are not provided within the document.
Is the subsidy a capital subsidy?
No, the 25% flat subsidy is not provided as a capital subsidy.
Do I need to provide any collateral security for the loan under this scheme?
No, this scheme will cover loans without collateral security from the bank.
Which banks will disburse the balance of the loan?
The balance of the loan will be disbursed from commercial/nationalised banks.
What documents are required to apply for this scheme if I am a widow?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Husband Death Certificate.
What documents are needed if I am a divorced woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Divorce Legal Paper.
What documents do I need if I am a legally separated woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Legally Separated Document.
What happens if I default on my EMI payments?
No subsidy for interest accrued on a delayed period will be allowed in case of default of payment of EMI.
Is there a period before I have to start repaying the loan?
Yes, the moratorium period will be three months after the disbursement of the loan.
Can I apply if I am not domiciled in Haryana?
No, only Haryana Domiciled Widows, Divorced, and Legally Separated Women are eligible.
Will the bank provide the entire loan amount, or do I need to contribute?
You need to contribute 10% of the total loan as beneficiary share, and the balance will be from commercial/nationalised banks.
References and official sources
Apply only on the official portal. Nothing is applied for on this site, and applying is free.
- Guidelines kms.saralharyana.nic.in
grokipedia.org.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
The details on this page are from the official listing and have not been rewritten or reviewed by our team yet. Confirm them on the official portal before applying.
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